Cheaper 2014 Audi A8 Insurance Rates

Finding cheaper insurance for a new or used Audi A8 could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to quote coverages for a Audi and locate the lowest possible price.

Earn discounts to get lower-cost car insurance quotes

Insurance can be prohibitively expensive, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied before you get the savings. If you check and find you aren’t receiving every discount possible, you could be saving more on your car insurance.

  • Auto/Life Discount – Select companies reward you with a discount if you purchase some life insurance too.
  • Telematics Data Discounts – Insureds who allow their company to track where and when they drive by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Defensive Driver Discounts – Taking time to complete a safe driver course could earn you a small percentage discount and also improve your driving technique.
  • Lower Rates for Military – Being on active duty in the military could qualify you for better premium rates.
  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you may reduce your total bill.
  • Paperwork-free – Many companies will give you a small discount just for signing your application online.
  • Multi-Vehicle Discounts – Having several vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts could see savings of up to 25% or more.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A list of companies and some of their more popular discounts can be read below.

  • State Farm has savings for safe vehicle, Steer Clear safe driver discount, accident-free, driver’s education, and student away at school.
  • GEICO policyholders can earn discounts including multi-vehicle, air bags, daytime running lights, seat belt use, driver training, and military active duty.
  • Allstate may include discounts for senior citizen, eSmart discount, multi-policy, EZ pay plan discount, good student, farm vehicle, and early signing.
  • SAFECO offers discounts for drive less, multi-car, safe driver, homeowner, accident prevention training, bundle discounts, and teen safe driver.
  • Farm Bureau offers premium reductions for renewal discount, 55 and retired, driver training, good student, multi-policy, and multi-vehicle.
  • Progressive may offer discounts for online signing, multi-policy, continuous coverage, good student, online quote discount, and multi-vehicle.
  • AAA has discounts for good driver, education and occupation, anti-theft, AAA membership discount, good student, and pay-in-full.

Before you buy a policy, ask every company to give you their best rates. Some discounts may not be offered in your area. To see a list of insurance companies that offer discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • What discounts do I qualify for?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need motorclub coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • How can I get high-risk coverage after a DUI?
  • Is my 2014 Audi A8 covered for flood damage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

The car insurance bait and switch

Consumers constantly see and hear ads that claim the cheapest rates from companies such as State Farm and Allstate. All the ads tend to make the same promise that people will save if you change your coverage.

How can each company sell you cheaper insurance coverage? This is the trick they use.

Most companies have specific criteria for the type of driver that will not have excessive claims. An example of a profitable insured could possibly be between the ages of 30 and 45, has had continuous coverage, and drives a car with an anti-theft system. Anyone that fits those parameters receives the best auto insurance rates and will most likely save quite a bit of money when switching.

Potential customers who don’t qualify for those standards will probably be forced to pay higher rates and this can result in the customer not purchasing. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can make claims that they all have the best rates.

Because of this risk profiling, it is so important to get auto insurance quotes from several different companies. It is impossible to guess which company will have the lowest rates.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision insurance

Collision insurance covers damage to your A8 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use 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 such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2014 Audi A8.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Best coverage at the best price

Affordable 2014 Audi A8 insurance is available from both online companies and from local agencies, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer rate quotes online and these regional carriers work with local independent agencies.

You just learned a lot of techniques to compare 2014 Audi A8 insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap auto insurance. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Insureds leave their current company for many reasons like unfair underwriting practices, being labeled a high risk driver, not issuing a premium refund or even an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company is easier than you think.

Much more information about insurance is available below: