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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Trying to find the cheapest insurance coverage rates for your Audi S8? Comparison shopping for cheap insurance coverage is frustrating for people not familiar with online comparison shopping. Consumers have so many agents and companies to choose from that it can easily turn into a challenge to find cheaper premium rates.

Consumers should take time to do price comparisons before your next renewal since prices change regularly. Despite the fact that you may have had the lowest rates for S8 coverage a year ago you will most likely find a better rate quote today. Block out anything you think you know about insurance coverage because you’re about to learn how to use online quotes to buy cheaper insurance coverage.

Discounts for affordable insurance quotes

Properly insuring your vehicles can get expensive, but there could be significant discounts that could help you make your next renewal payment. Certain discounts will be applied when you complete an application, but some discounts are required to be asked about before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Paper-free Discount – A few larger online companies provide a small discount just for signing your application online.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars on a single policy may reduce the rate for each vehicle.
  • Accident Waiver – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
  • Sign Early and Save – A few insurance companies allow discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Buy New and Save – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
  • Club Memberships – Participating in a qualifying organization could earn you a nice discount on your next insurance statement.

One last thing about discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and a summarized list of policyholder discounts are detailed below.

  • GEICO offers discounts including military active duty, air bags, federal employee, membership and employees, defensive driver, and driver training.
  • Mercury Insurance may have discounts that include type of vehicle, anti-theft, accident-free, annual mileage, good driver, good student, and low natural disaster claims.
  • Farmers Insurance policyholders can earn discounts including mature driver, distant student, early shopping, business and professional, good student, homeowner, and pay in full.
  • Auto-Owners Insurance includes discounts for safe vehicle, anti-theft, teen driver, anti-lock brakes, safe driver, and student away at school.
  • Liberty Mutual may include discounts for multi-car, teen driver discount, newly retired, new graduate, and newly married.
  • SAFECO discounts include anti-theft, bundle discounts, teen safe driver, accident prevention training, multi-car, drive less, and anti-lock brakes.
  • Progressive may offer discounts for multi-vehicle, multi-policy, continuous coverage, homeowner, online signing, good student, and online quote discount.
  • USAA has discounts for military installation, family discount, defensive driver, good student, and multi-policy.

When getting a coverage quote, ask each company or agent to give you their best rates. Depending on the company, some discounts may not be offered in your area.

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

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Compare auto insurance rates

Many insurance companies make it easy to get price estimates on their websites. Comparing prices online is possible for anyone because it’s just a matter of typing in your coverage preferences into a form. Once you submit the form, the company’s rating system will obtain credit information and your driving record and provides a quote.

Being able to quote online simplifies rate comparisons, but the work required to visit several different sites and type in the same information is a waste of time. But it’s necessary to get many rate quotes if you are searching for the lowest auto insurance rates.

A more efficient way to compare auto insurance pricing requires only one form that gets prices from several different companies. This type of form saves time, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. After your information is entered, it gets priced and you are able to buy any or none of the returned quotes. If a lower price is quoted, you simply finish the application and buy the policy. It just takes a couple of minutes and could lower your rates considerably.

To find out how much you can save on auto insurance, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter the insurance coverages exactly as shown on your declarations page. This makes sure you will have rate quotes using the exact same coverages.

You may need specialized auto insurance coverage

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount?
  • When should I buy a commercial auto policy?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Audi S8.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.


Liability coverage can cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like pain and suffering, emergency aid, loss of income, medical expenses and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer, theft and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

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

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, colliding with a tree, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like doctor visits, X-ray expenses and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

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In any little way, save everyday

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

In this article, we presented many tips how you can compare 2014 Audi S8 insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding low cost car insurance. Consumers could even find that the best price on car insurance is with the least-expected company.

Budget-friendly car insurance is possible both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and usually these smaller providers only sell through independent agents.

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