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: Feb 9, 2018

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Searching for cheaper auto insurance rates for your Audi S8? If you’ve never shopped for car insurance quotes online, chances are good that you are confused local agents and online companies vying for business.

Finding affordable coverage is not that difficult. Essentially every vehicle owner who buys auto insurance will be able to find better rates. Nevertheless, consumers must understand the methods companies use to market on the web because it can help you find the best coverage.

Compare insurance coverage rate quotes online

When comparison shopping, there are several ways of comparing rate quotes from lots of insurance coverage companies. By far the easiest way to do a complete rate comparison is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. Hands down the most simple method consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for repetitive form entry for every insurance coverage company. Filling out one form will get you rate comparisons instantly. Just one form and you’re done.
  2. A different way to find lower rates consists of visiting each company’s website to request a price quote. For example, we’ll pretend you want rates from Progressive, Esurance and GEICO. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which can get old fast.

    For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just try to keep nearly identical quote data for each comparison quote. If you are comparing higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in limits may cause a big price difference. And when comparing insurance coverage rates, know that quoting more will improve the odds of getting the best rates.

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

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But the ad said I’d save 15% in 15 minutes!

Companies like Progressive, Allstate and GEICO continually stream ads on television and other media. They all state the claim about savings if you get a free car insurance quote and switch your coverage. Is it even possible that every company can charge less that you’re paying now? You have to listen carefully.

All the different companies look for specific characteristics for the type of driver that will most likely be profitable. A good example of a desirable risk should be over the age of 35, is a homeowner, and insures a new vehicle. Any new insured who fits that profile receives the best car insurance rates and is almost guaranteed to cut their rates if they switch.

People who fall short of those standards will be quoted higher premiums which usually ends up with business not being written. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save the amount stated. This is how insurance companies can confidently claim big savings. Because of this risk profiling, drivers must compare free car insurance quotes often. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Drivers can save with with these discounts

Insurance coverage is expensive, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you quote, but some discounts are required to be inquired about prior to receiving the credit.

  • Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on S8 coverage depending on your company.
  • Discount for Home Ownership – Just owning your own home can get you a discount since owning and maintaining a home requires personal responsibility.
  • College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • New Car Discount – Insuring a vehicle that is new can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • Air Bag Discount – Cars that have air bags could see savings of 20 to 30 percent.

One last thing about discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, you won’t be that lucky.

A list of insurance coverage companies and the discounts they provide are included below.

  • GEICO discounts include daytime running lights, anti-theft, multi-policy, defensive driver, multi-vehicle, anti-lock brakes, and seat belt use.
  • Travelers may include discounts for early quote, save driver, multi-policy, IntelliDrive, multi-car, and continuous insurance.
  • Nationwide policyholders can earn discounts including accident-free, anti-theft, defensive driving, good student, business or organization, and family plan.
  • Farmers Insurance offers premium reductions for alternative fuel, good student, homeowner, distant student, mature driver, switch companies, and business and professional.
  • Esurance offers discounts for online quote, paid-in-full, good driver, multi-policy, and good student.
  • State Farm has discounts for anti-theft, good student, Drive Safe & Save, good driver, multiple autos, and driver’s education.
  • Progressive may have discounts that include homeowner, online quote discount, good student, continuous coverage, online signing, multi-policy, and multi-vehicle.
  • Mercury Insurance may offer discounts for annual mileage, ease of repair, anti-theft, multi-policy, good driver, accident-free, and multi-car.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some credits may not apply everywhere. If you would like to view providers that offer discounts, click here.

Your situation helps dictate your coverage

When choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Is a fancy paint job covered?
  • Does medical payments coverage apply to all occupants?
  • Exactly who is provided coverage by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the difference between comprehensive and collision coverage?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

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

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Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.


This coverage will cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as structural damage, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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 a good idea.

Quote more. Save more.

Insureds change insurance companies for many reasons like lack of trust in their agent, being labeled a high risk driver, delays in responding to claim requests and policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

When searching for inexpensive car insurance quotes, do not buy less coverage just to save a little money. In many cases, an insured dropped collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.

Cheap 2013 Audi S8 insurance can be bought online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide internet price quotes and many times these regional insurance providers only sell through independent agents.

Even more information is located at these sites: