2011 Audi A8 Car Insurance Rates – 6 Ideas for Cheaper Quotes

Are you overwhelmed by the dozens of insurance coverage options? Many other drivers are as well. There are so many companies to choose from that it can quickly become a challenge to compare prices.

It’s a good idea to shop coverage around once or twice a year due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest price for A8 coverage a couple years back other companies may now be cheaper. So block out anything you think you know about insurance coverage because you’re going to learn the right way to find lower rates on insurance coverage.

Compare the Market for Insurance Coverage

Most companies give coverage prices on the web. Obtaining pricing is fairly simple as you simply type in the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system makes automated requests for credit information and your driving record and quotes a price.

This simplifies rate comparisons, but the time it takes to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s very important to do this if you want to find a better rate.

There is an easier way!

The preferred way to compare rates requires only one form to return rates from a lot of companies. The form is fast, reduces the work, and makes online shopping a lot less work. Immediately after submitting the form, it is rated and you are able to buy any of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and can result in significant savings.

If you want to find out if lower rates are available, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you replicate your coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting rate quotes using the same coverage and limits.

Discounts can save BIG

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically at quote time, but a few must be specially asked for in order for you to get them.

  • Club Memberships – Affiliation with a professional or civic organization may earn a discount on your policy for A8 coverage.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • One Accident Forgiven – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will bring down the cost of coverage.

To see a list of insurers who offer insurance discounts, follow this link.

Will just any policy work for me?

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether or not you might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?
  • What is the minimum liability in my state?
  • If I drive on a suspended license am I covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does insurance cover tools stolen from my truck?
  • Are rock chip repairs covered?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Don’t listen to company ads

Companies like Geico, State Farm and Progressive regularly use ads on TV and radio. All the ads make the same claim of big savings if you move to them. But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a driver they prefer might be profiled as between 25 and 40, has no prior claims, and chooses high deductibles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save a lot of money.

Drivers who fall outside these standards must pay more money which usually ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can advertise the savings.

This illustrates why you absolutely need to quote coverage with many companies. It is impossible to predict which insurance companies will provide you with the cheapest Audi A8 insurance rates.

Insurance policy specifics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, pain medications, funeral costs, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, vandalism, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, scraping a guard rail, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, loss of income, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Final considerations

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, being labeled a high risk driver or even poor customer service. Regardless of your reason, finding a great new company is easier than you think.

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Affordable 2011 Audi A8 insurance can be found both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Additional information