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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Overwhelmed by the dozens of auto insurance choices available to you? Drivers have such a vast assortment of choices available that it can really be a challenge to find lower premium rates.

It’s important to get comparison quotes before your policy renews since prices trend upward over time. Despite the fact that you may have had the lowest price for A8 insurance a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Finding cheaper car insurance coverage can be fairly easy. Although consumers need to learn how insurance companies market insurance on the web and apply this information to your search.

Insurance companies offer lots of discounts

Companies that sell car insurance don’t always publicize all disounts in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Early Renewal Discounts – Select insurance companies give a discount for switching companies before your current policy expires. Ten percent is about the average savings.
  • Drive Less and Save – Keeping the miles down on your Audi could qualify for better premium rates on cars that stay parked.
  • Waiver for an Accident – Not a discount per se, but some companies like Progressive, Allstate, and GEICO allow you one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

As a footnote on discounts, many deductions do not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, that’s just not realistic.

To choose companies with discount rates, click here.

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

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How to lower your auto insurance cost

Comparing auto insurance rates can be challenging if you don’t utilize the best way to get rate quotes. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many of the larger companies take part in a program that enables customers to submit one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The single downside to comparing rates this way is you are unable to specify which carriers you will receive quotes from. So if you prefer to choose individual companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, compare apples-to-apples coverages and limits for each price quote. If you are comparing unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in coverages could skew the results. And when price shopping your coverage, comparing more company’s prices helps you find a lower rate.

Do I just need basic coverages?

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions can help discover if your situation may require specific advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 2008 Audi A8 covered for smoke damage?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when making deliveries for my home business?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I break a side mirror?
  • Should I buy full coverage?
  • Are there companies who specialize in insuring high-risk drivers?

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, fill out this quick form.

Specific coverages for an Audi A8

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, chiropractic care, EMT expenses, nursing services and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Audi A8.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your A8 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance – This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

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

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Have money to burn

Drivers switch companies for a variety of reasons including questionable increases in premium, policy non-renewal, delays in responding to claim requests or even policy cancellation. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

When buying insurance coverage, you should never buy poor coverage just to save money. In many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your objective should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

You just learned some good ideas how to shop for 2008 Audi A8 insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest prices come from a company that doesn’t do a lot of advertising.

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