Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 18, 2018

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I can’t think of a single person who anticipates paying for car insurance, especially when their premiums are too high. Having so many choices of insurance companies, it can be diffult for people to find the most affordable insurance company.

How to shop insurance coverage online

Finding a lower price on 2003 Audi S8 insurance is an easy way to save money. The only thing you need to do is invest a few minutes comparing free auto insurance quotes online from several insurance companies. Comparing prices online can be done using one of these methods.

The most recommended method to find low rates is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating a different quote for each company you want a rate for. One form will get you rate comparisons from all major companies.

A more difficult way to get comparison quotes is going to each company website and complete a new quote form. For sake of this example, we’ll assume you want to view quotes from Nationwide, Progressive and GEICO. In order to compare rates, you need to go to each individual site and enter your policy data, which is not fast way to get rate quotes.

To view a list of companies in your area, click here.

The least efficient way to comparison shop is to drive around to each insurance agency near you. Buying insurance online eliminates the middleman unless you prefer the trained guidance of a local agent. Although you can get the lowest quotes online and get advice from an agent in your area.

How you compare quotes is your choice, just double check that you are using exactly the same coverage information for each quote you get. If you use higher or lower deductibles it will be next to impossible to determine which rate is truly the best.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Discount insurance quotes

Insurance is neither fun to buy or cheap, but you may be missing some discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you complete an application, but a few need to be inquired about in order for you to get them. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

  • New Car Discount – Putting coverage on a new car can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Paper-free Discount – A handful of companies will provide an incentive for buying a policy and signing up on the web.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies aren’t that generous.

To choose insurance companies that offer discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions could help you determine if your situation might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Should I have a commercial auto policy?
  • How can I get high-risk coverage after a DUI?
  • Can I still get insurance after a DUI?
  • Should I carry comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Is upholstery damage covered by car insurance?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Audi S8.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This coverage will pay to fix damage to your S8 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, damaging your car on a curb, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses and funeral expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, theft, hitting a bird, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Smart consumers save more

Some companies do not offer online quoting and most of the time these regional carriers only sell through local independent agents. The cheapest 2003 Audi S8 insurance is available on the web in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.

In this article, we covered many ways to compare 2003 Audi S8 insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the lowest prices are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

When searching for low cost auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price.

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