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 5, 2015

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Are you irritated from scraping nickels together to keep your car insured? Your situation is no different than many other vehicle owners.

Since vehicle owners have many auto insurance companies to choose from, it can be diffult for drivers to choose the most cost effective insurer.

Lower rate quotes by taking advantage of discounts

Auto insurance companies don’t always advertise every policy discount in a way that’s easy to find, so below is a list a few of the more well known as well as the least known credits that you can use to lower your rates.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
  • No Claim Discounts – Drivers with accident-free driving histories get the best auto insurance rates as opposed to accident-prone drivers.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • E-sign Discounts – Some of the larger companies give back up to $50 for completing your application on their website.
  • Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for A8 insurance with certain companies.
  • Driver Training Discounts – Participating in a safe driver class can save you 5% or more and also improve your driving technique.
  • Driving Data Discount – Insureds that choose to allow driving data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To choose companies that offer many of these discounts, click here.

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

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How to find affordable auto insurance

Most major insurance companies allow you to get pricing online. Comparing prices online is fairly simple as you just type in into the form. After you submit the form their rating system gets credit information and your driving record and quotes a price based on the information you submitted. This simplifies rate comparisons, but the work required to visit multiple sites and complete many quote forms is a big time waster. But it’s necessary to compare as many rates as possible if you are searching for better auto insurance pricing.

Quote rates the easy way

A more efficient way to get multiple rate quotes is to use a quote form to return rates from multiple companies. This type of form saves time, requires less work, and makes price shopping online much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.

To save time and compare rates using this form now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy the coverages as close as possible to your current policy. This makes sure you will receive rate comparison quotes for similar insurance coverage.

Quote Audi A8 insurance cheaper

When buying insurance coverage it’s important to understand the factors that come into play when calculating insurance coverage rates. If you have some idea of what impacts premium levels, this enables you to make decisions that may result in better insurance coverage rates. Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but others are not as apparent such as your credit history or your commute time.

The following are a partial list of the pieces insurance coverage companies consider when setting your rates.

  • A policy lapse can increase premiums – Driving without insurance is not a good idea and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, not being able to provide proof of insurance can result in fines and jail time.
  • Fewer miles means better premiums – Driving a lot of miles in a year the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure than those that get driven frequently. Having an incorrect usage rating on your A8 can result in significantly higher rates. It’s a smart idea to ensure your insurance coverage policy correctly shows how each vehicle is driven, because improper ratings can cost you money.
  • Bad credit will cost you – Having a bad credit score can be a huge factor in calculating your insurance coverage rates. Drivers with high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit score could use some work, you could pay less to insure your 2004 Audi A8 by spending a little time repairing your credit.
  • High premiums for younger drivers – More experienced drivers are more cautious drivers, statistically cause fewer accidents , and usually have better credit.Youthful drivers are known to get distracted easily behind the wheel so they pay higher insurance coverage rates.

How much car insurance do I need?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Will my rates increase for filing one claim?
  • Does medical payments coverage apply to all occupants?
  • How can I get my company to pay me more for my totalled car?
  • How much liability insurance is required?
  • Will my insurance pay for OEM parts?
  • What is an SR-22 filing?
  • Do I need more liability coverage?
  • Who is covered by my policy?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

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

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Insurance advertising tricks

Well-known auto insurance companies like GEICO, State Farm and Progressive endlessly run ads in print and on television. They all seem to seem to make the promise that you’ll save big if you change your coverage to them. How does every company say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that will be a good risk. For instance, a profitable risk profile may need to be between the ages of 40 and 55, has no claims, and has a short commute. Someone who fits that profile will get low rates and will probably save a lot of money.

Potential insureds who don’t qualify for those criteria will probably be forced to pay higher premium rates and this results in the customer buying from someone else. Company advertisements say “drivers that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can state the savings.

Because of the profiling, it is so important to compare rate quotes every year. It’s just not possible to know which auto insurance company will have the best premium rates at this point in time.

Insurance coverage specifics

Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for X-ray expenses, dental work, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability – Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hitting a bird and damage from flooding. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Audi A8.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Find Good Coverage for Less

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Affordable 2004 Audi A8 insurance is attainable online and from local agencies, and you need to price shop both to have the best selection. Some insurance companies may not offer rate quotes online and most of the time these regional carriers provide coverage only through local independent agencies.

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