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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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. You have so many insurance companies to buy insurance from, and even though it’s nice to be able to choose, too many choices makes it more difficult to compare company pricing.

Finding the best rates is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to know the proper methods to shop their coverage around over the internet.

Car insurance discounts help lower rates

Car insurance is easily one of your largest bills, but you may qualify for discounts that you may not even know about. Certain reductions will be credited when you quote, but lesser-known reductions have to be asked for before they will apply.

  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Low Miles Discount – Keeping the miles down on your Audi may allow you to get better rates on cars that stay parked.
  • Senior Citizen Discount – Drivers over the age of 55 can get reduced rates on S8 coverage.
  • Switch and Save Discount – A few insurance companies allow discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Homeowners Pay Less – Being a homeowner can help you save on car insurance because owning a home means you have a higher level of financial diligence.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Good Driver Discount – Safe drivers can pay as much as 50% less on S8 coverage than drivers with accident claims.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will reduce your overall premium however.

For a list of car insurance companies that can offer you the previously mentioned discounts, click here.

The easiest way to compare rate quotes takes advantage of the fact auto insurance companies have advanced systems to give rate comparisons. The only thing you need to do is give the companies some data like if the vehicle is leased, your general credit rating, how much coverage you want, and which vehicles you own. Your insurance information is instantly sent to multiple auto insurance providers and you will get price comparisons immediately.

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

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Which is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • When do I need to add a new car to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy pay for OEM or aftermarket parts?
  • How high should deductibles be on a 2007 Audi S8?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Liability coverage

This can cover damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, loss of income, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, rolling your car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Audi S8.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Buy online or local, you save

When getting car insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

The cheapest 2007 Audi S8 insurance is possible both online as well as from independent agentsinsurance , so you need to shop car insurance with both so you have a total pricing picture. Some insurance companies do not offer internet price quotes and most of the time these small insurance companies work with independent agents.

More tips and info about insurance is located by following these links: