2015 Audi A8 Insurance Rates – 10 Tips for Best Quotes

Searching for the cheapest auto insurance rates for your Audi A8? Tired of not being able to afford to pay high auto insurance rates every month? You are in the same boat as most other drivers. Online insurance companies like State Farm, Progressive and GEICO all promote huge savings with advertising and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

How to compare insurance price quotes

Getting more affordable 2015 Audi A8 insurance pricing is actually quite simple. Drivers just need to take a couple of minutes comparing price quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quote forms for each company you want a rate for. One form submission gets you price quotes direct from many companies.
  2. Another way to analyze rates is to take the time to go to each company website and go through the quote process again. For examples sake, let’s say you want to compare prices for State Farm, GEICO and Travelers. To do that, you would have to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just try to use the same coverage data for each price quote. If you are comparing mixed coverages it’s not possible to determine which rate is truly the best.

Beware of misleading insurance ads

Consumers can’t ignore all the ads for insurance savings by Progressive, Allstate and GEICO. They all say the same thing that drivers can save some big amount just by switching to their company.

How is it plausible that every one can lower your premium rates? It’s all in the words they use.

Different companies look for specific characteristics for the type of customer that earns them the most money. An example of this type of driver could be over the age of 45, has a low-risk occupation, and drives a safe vehicle. A driver that meets those criteria gets the lowest car insurance rates and therefore will save when they switch companies.

People who do not meet this ideal profile must pay more expensive rates which results in the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save money. That is how insurance companies can confidently advertise the way they do.

That is why you really need to compare quotes as often as possible. Because without a comparison, you cannot know the company that will have the best car insurance rates.

Are you earning every discount?

Insurance coverage is not an enjoyable expense, but there could be available discounts to help bring down the price. Certain credits will be shown when you quote, but some discounts are required to be asked about in order for you to get them.

  • Federal Employees – Active or former government employment could cut as much as 10% off on A8 coverage with select insurance companies.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less since newer vehicles are generally safer.
  • Professional Organizations – Joining qualifying employment or professional organizations can get you a small discount on your bill.
  • Discount for Good Grades – Maintaining excellent grades may save you up to 25%. The good student discount can last well after school through age 25.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on A8 coverage than their less cautious counterparts.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Data Collection Discounts – Insureds who allow their insurance company to spy on driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Military Discounts – Having a family member in the military may lower your insurance coverage rates slightly.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on A8 coverage.

Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts will cut the amount you pay for coverage.

To choose insurers that can offer you the previously mentioned discounts, follow this link.

When in doubt talk to an agent

When buying coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if you may require specific advice.

  • Why am I required to buy liability insurance?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving in Canada or Mexico?
  • Is my camper covered by my car insurance policy?
  • Will filing a claim cost me more?
  • How does medical payments coverage work?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for an Audi A8

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, repair bills for other people’s vehicles, funeral expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, rock chips in glass, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your A8 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses like prosthetic devices, X-ray expenses and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Have the Midas touch

In this article, we presented many tips how you can reduce 2015 Audi A8 insurance premium rates online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. These companies may only write in your state and offer lower prices compared to the large companies like Progressive and GEICO.

Some insurance providers do not provide the ability to get a quote online and these smaller providers only sell coverage through independent insurance agencies. Budget-friendly auto insurance can be found online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

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