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: Sep 12, 2018

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Trying to find the cheapest car insurance rates for your Audi A8? Searching for the cheapest insurance for your Audi A8 can be an all-consuming task, but you can use our car insurance buying tips to save time. There is a better way to find car insurance online so we’re going to tell you the best way to price shop coverage for your Audi and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare prices once or twice a year because insurance prices trend upward over time. Even if you think you had the lowest price on A8 coverage on your last policy you may be paying too much now. Ignore everything you know about car insurance because it’s time to teach you the tricks you need to know to find lower rates on car insurance.

Finding the best rates is not rocket science. If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. Vehicle owners only need to know the tricks to get comparison rates online.

Compare insurance coverage rate quotes

Getting a cheap price on 2009 Audi A8 insurance is actually quite simple. All that’s required is to take the time comparing rate quotes to find out which insurance company has cheaper auto insurance quotes. Rate comparisons can be done using a couple different methods.

  • The single most time-saving way to find low rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for multiple quote forms for every insurance coverage company. One form gets you coverage quotes direct from many companies. It’s the fastest way to compare.
  • A different way to shop for insurance coverage online requires a visit to each individual company website and fill out their own quote form. For instance, we’ll assume you need rates from Farmers, Liberty Mutual and Travelers. To get rate quotes you would need to visit each site and type in your information over and over, which is why most consumers use the first method.

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

  • The least recommended way to compare price quotes is to waste gas driving to and from local insurance agencies. Quoting online reduces the need to sit down with an agent unless you prefer the extra assistance of a local agency. It is possible with some companies find lower rates online but buy from a local insurance agent.

Whichever method you choose, try to keep identical coverages and limits for each price quote. If you enter higher or lower deductibles it will be next to impossible to make an equal comparison.

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

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Earn discounts to get lower-cost insurance coverage quotes

Some insurance providers don’t always list every policy discount very well, so below is a list a few of the more well known as well as the least known credits available to bring down your rates.

  • Defensive Driver – Completing a class that teaches defensive driver techniques may get you a small discount and also improve your driving technique.
  • Buy New and Save – Buying insurance coverage coverage on a new vehicle is cheaper because newer vehicles are generally safer.
  • First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free before the accident.
  • Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally up until you turn 25.
  • Sign Early and Save – Select companies give a discount for renewing your policy before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • Paperless Signup – Some of the larger companies may give you up to $50 just for signing your application on the internet.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their offered discounts can be read below.

  • The Hartford offers discounts including driver training, defensive driver, vehicle fuel type, air bag, anti-theft, bundle, and good student.
  • American Family includes discounts for good student, mySafetyValet, Steer into Savings, bundled insurance, and air bags.
  • Progressive policyholders can earn discounts including continuous coverage, online quote discount, homeowner, multi-policy, good student, online signing, and multi-vehicle.
  • Travelers may include discounts for payment discounts, student away at school, new car, early quote, and hybrid/electric vehicle.
  • Farmers Insurance may have discounts that include mature driver, multi-car, alternative fuel, business and professional, electronic funds transfer, and switch companies.
  • USAA has discounts for military installation, new vehicle, defensive driver, loyalty savings, multi-vehicle, and annual mileage.
  • Liberty Mutual offers premium reductions for hybrid vehicle, exclusive group savings, new graduate, multi-policy, preferred payment discount, and new vehicle discount.

Before buying, ask every insurance company to apply every possible discount. Some discounts may not apply to policyholders in every state. If you would like to choose from a list of insurance coverage companies that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover a custom paint job?
  • Can I afford to buy a different vehicle if my 2009 Audi A8 is totaled?
  • What should my uninsured motorist coverage limits be in my state?
  • What vehicles should carry emergency assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage will pay to fix damage to your A8 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – This coverage will cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as medical services, funeral expenses, court costs, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, damage from flooding, hitting a deer and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 Audi A8.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, nursing services and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

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

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Stretch your dollar

Lower-priced 2009 Audi A8 insurance can be found online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer internet price quotes and many times these small, regional companies sell through independent agencies.

You just read some good ideas how to lower your 2009 Audi A8 insurance premium rates. The key concept to understand is the more times you quote, the higher your chance of finding affordable auto insurance. You may even discover the lowest premium rates are with a small local company.

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, denial of a claim, unfair underwriting practices and not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

Additional detailed information can be read in these articles: