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: Apr 5, 2018

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Shoppers have options when shopping for affordable Audi A8 insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to get price quotes for your Audi and get the lowest possible price either online or from local insurance agents.

Smart consumers take time to compare rates yearly because insurance prices change frequently. If you had the lowest quotes on A8 coverage at your last renewal the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance coverage on the web, but in just a couple of minutes you can learn some good information on how to put money back in your pocket.

If you have insurance now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. Vehicle owners just need to know the most efficient way to compare prices online.

How do insurance providers determine Audi A8 insurance premiums?

Consumers need to have an understanding of a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you cheaper rates. Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your credit history or how safe your car is.

The items below are most of the major factors used by companies to determine your premiums.

  • Better rates on vehicles with better crash test results – Safer cars are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Vehicle theft costs us all – Driving a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Liability protection risk factors in – Liability coverage kicks in if you are found liable for an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • High comp and collision deductibles reduce rates – Comp and collision deductibles are the amount of money the insured will be required to pay if the claim is covered. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, damage from fire, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on A8 coverage.
  • Eliminate extra policy coverages – There are quite a few optional add-on coverages that can add up if you aren’t diligent. Insurance for replacement cost coverage, accident forgiveness, and additional equipment coverage are some examples. These coverages may sound good when buying your policy, but your needs may have changed so remove them and pocket the money.
  • Teenagers are high risk – Teen drivers tend to be careless and easily distracted when behind the wheel so insurance coverage rates are higher. More mature drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.
  • Save money by having responsible credit – Having a good credit score can be an important factor in calculating your premium rate. Drivers who have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit can be improved, you could potentially save money when insuring your 2007 Audi A8 if you clean up your credit.

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

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Affordable auto insurance

There are a lot of ways to compare auto insurance prices and some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many popular insurance companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions for every auto insurance company. To find out how much you can save on auto insurance click to open in new window.

One minor caviat to doing it this way is you are unable to specify which insurance companies you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using identical quote data for each comparison quote. If the quotes have different coverage information it’s not possible to determine the lowest rate for your Audi A8.

Find hidden discounts on auto insurance

Auto insurance is easily one of your largest bills, but there could be significant discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but a few need to be asked about before they will apply. If you aren’t receiving every discount possible, you could be saving more on your auto insurance.

  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Home Ownership Discount – Owning a home can earn you a little savings because owning a home is proof of financial responsibility.
  • Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more on A8 coverage as compared to drivers with claims.
  • Sign Online – Certain auto insurance companies will give a small break simply for signing over the internet.
  • Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you could get a free auto insurance policy, you’re out of luck.

Some companies that may have some of the discounts shown above include:

If you need lower rates, check with each insurance company how many discounts you can get. Some discounts listed above might not be offered on policies everywhere.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine if you might need professional guidance.

  • What is the minimum liability in my state?
  • How can I get high-risk coverage after a DUI?
  • Should I buy additional glass protection?
  • When should I remove comp and collision on my 2007 Audi A8?
  • Where can I find high-risk insurance?
  • Can I still get insurance after a DUI?
  • Why am I required to buy high-risk coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • At what point should I drop full coverage?
  • Will filing a claim cost me more?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

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

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Insurance policy coverages for a 2007 Audi A8

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage – Collision coverage will pay to fix damage to your A8 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2007 Audi A8.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, attorney fees, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses like doctor visits, rehabilitation expenses, pain medications and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, damage from flooding, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be Smart and Buy Smart

When you buy insurance coverage online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

In this article, we covered some good ideas how to save on 2007 Audi A8 insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the most savings is with some of the lesser-known companies.

Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or questionable increases in premium. Whatever your reason, switching companies can be easy and end up saving you some money.

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