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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Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me, many consumers are in the same pinch. Online insurance companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with TV and radio ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

If you have a current insurance coverage policy or are just looking to switch companies, you can use these tips to reduce the price you pay while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to learn the proper methods to shop their coverage around over the internet.

First Step: Get free auto insurance quotes

Cutting your auto insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be done using a couple different methods.

  1. One of the simplest ways to find low rates is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form entry for every prospective company. Filling out one form will get you rate comparisons from auto insurance companies with the best prices.
  2. A harder way to shop for auto insurance online requires you to visit each company’s website and complete a new quote form. For instance, let’s say you want to view quotes from GEICO, 21st Century and Liberty Mutual. To do that, you would have to go to each individual site to enter the same coverage data repeatedly, which can take a lot of time.

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

Compare rates however you want, just make absolute certain that you use apples-to-apples information on every quote. If you have different liability limits it’s impossible to make a fair rate comparison.

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

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How you can control Audi S8 insurance rates

Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense such as your driving record, although some other factors are more transparent like where you live or your vehicle rating.

  • Less chance of injury means lower rates – Vehicles with good safety scores cost less to insure. These vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If the Audi S8 is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • High coverage deductibles equal low rates – The deductibles state the amount of money you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, collision with a deer, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for S8 coverage.
  • High credit scores equal low prices – A driver’s credit score can be a huge factor in your rate calculation. So if your credit is not that good, you could be paying less to insure your 2016 Audi S8 by improving your credit score. Drivers with very high credit ratings tend to be less risk to insure as compared to drivers with worse credit.
  • File car insurance claims and pay more – If you tend to file frequent claims, don’t be surprised to see increased rates or even have your policy non-renewed. Auto insurance companies generally give the best rates to people who only file infrequent claims. Insurance coverage is meant to be used in the event of claims that pose a financial burden.

Discounts for cheap auto insurance rates

Some companies don’t list the entire discount list very well, so the following list contains some of the best known and also the more inconspicuous credits available to bring down your rates.

  • Military Deployment Discount – Having a family member in the military could mean lower premium rates.
  • Include Life Insurance and Save – Select auto insurance companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.
  • Mature Driver Discount – Drivers over the age of 55 can possibly qualify for better auto insurance rates for S8 coverage.
  • Low Mileage Discounts – Driving less could earn substantially lower premium rates.
  • Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • College Student – who live away from home at college and do not take a car to college may be insured at a cheaper rate.
  • Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for S8 coverage than drivers with accident claims.
  • Homeowners Savings – Owning a home can get you a discount because it means you have a higher level of financial diligence.
  • Clubs and Organizations – Joining certain professional organizations can get you a small discount on your next auto insurance statement.
  • Sign Early and Save – A few insurance companies allow discounts for signing up before your current expiration date. You may see this discount when you get insurance coverage quotes online.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

The best auto insurance companies and a selection of discounts can be found below.

  • State Farm offers discounts including safe vehicle, good driver, driver’s education, accident-free, and Drive Safe & Save.
  • Farmers Insurance discounts include distant student, good student, electronic funds transfer, youthful driver, business and professional, and homeowner.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, continuous coverage, online signing, online quote discount, and good student.
  • GEICO has savings for military active duty, defensive driver, anti-lock brakes, multi-policy, and anti-theft.
  • Auto-Owners Insurance offers discounts for air bags, multiple vehicles, mature driver, group or association, multi-policy, good student, and teen driver.
  • The Hartford includes discounts for anti-theft, air bag, driver training, vehicle fuel type, good student, bundle, and defensive driver.
  • Farm Bureau may offer discounts for safe driver, good student, 55 and retired, multi-vehicle, driver training, youthful driver, and renewal discount.
  • USAA has discounts for safe driver, driver training, annual mileage, military installation, new vehicle, and multi-policy.

When quoting, ask each company which discounts they offer. Depending on the company, some discounts might not be offered on policies everywhere. To view auto insurance companies offering auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Can I make deliveries for my home business?
  • Is my 2016 Audi S8 covered for flood damage?
  • Can I drive in Mexico and have coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if hit by an uninsured driver?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

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

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The coverage is in the details

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Collision coverage – This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from getting keyed, falling objects, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance – Liability insurance can cover damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, medical expenses, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, chiropractic care, doctor visits, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

More quotes. Lower rates.

As you quote insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

We just covered a lot of techniques to reduce 2016 Audi S8 insurance rates online. The key thing to remember is the more quotes you get, the better likelihood of getting affordable insurance coverage. Drivers may discover the biggest savings come from some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

To learn more, take a look at the following helpful articles: