Compare 2008 Audi A8 Insurance Rates

Nobody likes paying for insurance, especially when their premiums are too high.

Companies like State Farm and Geico continually hit you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

You should make it a habit to do rate comparisons every six months since rates change frequently. Just because you found the best rates on A8 insurance a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance online but we’re going to give you some tested techniques to find cheap insurance.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Finding the best rates is not that difficult. But vehicle owners can benefit from knowing the methods companies use to sell insurance online and take advantage of how the system works.

Audi A8 rates are in the details

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to lower car insurance prices.

The following are a partial list of the pieces car insurance companies consider when setting prices.

  • Bump up deductibles to save – Your deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and rolling your vehicle. The more the insured has to pay upfront, the bigger discount you will receive on A8 insurance.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If the Audi A8 scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Traffic violations increase rates – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Only having one moving violation can bump up the cost twenty percent or more. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Your location affects your rates – Being located in a rural area has it’s advantages when buying car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and a longer drive to work. Longer commute distances can result in more accidents.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance companies provide discounts to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use saves money – Driving more miles in a year the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your A8 can cost quite a bit.
  • Your credit rating is important – Credit rating is a huge factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit can use some improvement, you could potentially save money when insuring your 2008 Audi A8 by repairing your credit.

Take discounts and save

Car insurance companies don’t list all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden insurance coverage savings.

  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on A8 insurance than drivers with accidents.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates on A8 insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage – Fewer annual miles on your Audi could qualify for discounted rates on garaged vehicles.

Consumers should know that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurers with discount insurance coverage rates, follow this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I have a commercial auto policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving on a suspended license?
  • How high should deductibles be on a 2008 Audi A8?
  • Which companies will insure high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • When should I drop full coverage on my 2008 Audi A8?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance policy coverages for a 2008 Audi A8

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, nursing services and surgery. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. 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 values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi A8.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass, theft and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your A8 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

In any little way, save everyday

When you buy insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Affordable 2008 Audi A8 insurance can be purchased online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Additional learning opportunities