Cheap 2002 Audi A8 Insurance Quotes

Paying for high-priced Audi A8 insurance can dwindle your checking account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a company to get the lowest cost out there.

Consumers should take time to check insurance prices every six months since insurance rates are rarely the same from one policy term to another. Even if you got the best rates for A8 coverage two years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn how to quote online to buy cheaper insurance.

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Buying car insurance is easy if you know what you’re doing. But car owners can benefit from knowing the way companies compete online.

Pay less by taking advantage of discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but some must be requested specifically before being credited.

  • Organization Discounts – Being a member of a professional or civic organization may earn a discount when shopping for insurance for A8 coverage.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Distant Student – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for A8 coverage depending on your company.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

For a list of providers who offer insurance discounts, click here to view.

Your Audi A8 insurance rate is a complex equation

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that can help you get better insurance coverage rates.

  • Clean credit earns discounts – Credit score is a big factor in calculating your insurance coverage rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2002 Audi A8 by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Consolidate policies to earn discounts – Many insurers will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Add-on coverages can add up – There are a ton of add-on coverages that you can buy on your 2002 A8 policy. Coverages like rental car reimbursement, towing coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Traffic citations inflate rates – Careful drivers receive lower rates compared to drivers with tickets. Even one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Special features that cut premiums – Owning a car with an alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage if ever you are found to be at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.

Your coverage should be tailored to you

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether or not you might need professional guidance.

  • Am I better off with higher deductibles on my 2002 Audi A8?
  • Do all my vehicles need collision coverage?
  • If my 2002 Audi A8 is totaled, can I afford another vehicle?
  • Is upholstery damage covered by car insurance?
  • How high should my medical payments coverage be?
  • What is the minimum liability in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance ads bend the truth

Insurance companies such as State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to have a common claim that you can save if you switch to their company. How does each company make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. A good example of a desirable insured might be profiled as a mature driver, has no driving citations, and has a short commute. A driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who do not match the “perfect” profile will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can make those claims.

That is why you should compare as many rates as you can. It’s just too difficult to predict the company that will have the lowest Audi A8 insurance rates.

Coverage specifics

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your A8 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical services, structural damage, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from flooding, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi A8.

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 should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as chiropractic care, surgery and nursing services. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Buy online or local, you save

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price.

We just covered some good ideas how to lower your 2002 Audi A8 insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Other information