Cheaper 2017 Audi S8 Insurance Rates

Are you tired of not being able to scrape enough together to pay your car insurance bill each month? You are in the same boat as many other drivers.

Numerous insurance companies battle for your insurance dollar, so it’s not easy to compare every company to find the absolute cheapest price

How to buy insurance coverage online

Most of the larger companies give prices online. The process is pretty painless as you just type in your coverage information into the quote form. Upon sending the form, their system requests your driving and credit reports and returns a price. Quoting online makes it simple to compare prices but the process of having to visit different websites and type in the same data is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible if you want to get the lowest insurance coverage rates.

The easiest way to locate the lowest prices makes use of a single form to return rates from several companies at one time. This type of form saves time, requires less work, and makes quoting online much easier. As soon as you send your information, it is quoted and you can choose any of the returned quotes.

If you find a better price it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.

To quickly use this form to compare rates, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you duplicate the insurance coverages as shown on your current policy. This helps ensure you will have an apples-to-apples comparison based on similar coverages.

Discounts for affordable insurance rates

Companies offering auto insurance don’t list every possible discount in an easy-to-find place, so below is a list both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Defensive Driving Course – Taking part in a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Home Ownership Discount – Just being a homeowner can help you save on insurance because it shows financial diligence.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Audi could qualify for lower prices on the low mileage vehicles.
  • Buy New and Save – Buying insurance coverage on a new vehicle can be considerably cheaper since newer models are generally safer.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will lower your policy cost.

A few popular companies and a partial list of their discounts include:

  • Geico includes discounts for defensive driver, emergency military deployment, air bags, driver training, seat belt use, federal employee, and membership and employees.
  • Mercury Insurance offers discounts including multi-car, good student, multi-policy, anti-theft, ease of repair, accident-free, and professional/association.
  • Farmers Insurance discounts include electronic funds transfer, alternative fuel, multi-car, switch companies, business and professional, youthful driver, and teen driver.
  • Auto-Owners Insurance may offer discounts for group or association, student away at school, air bags, multiple vehicles, mature driver, company car, and paid in full.
  • Liberty Mutual has discounts for new graduate, newly retired, exclusive group savings, new move discount, hybrid vehicle, new vehicle discount, and teen driver discount.
  • SAFECO may have discounts that include accident prevention training, multi-car, anti-lock brakes, teen safety rewards, and drive less.
  • Progressive has savings for multi-policy, online quote discount, good student, continuous coverage, homeowner, online signing, and multi-vehicle.
  • USAA policyholders can earn discounts including multi-policy, defensive driver, new vehicle, driver training, and loyalty savings.

Before buying, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When buying coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • How much underlying liability do I need for an umbrella policy?
  • What is high-risk coverage and where do I buy it?
  • Can I afford to buy a different vehicle if my 2017 Audi S8 is totaled?
  • Is my custom paint covered by insurance?
  • What is PIP insurance?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages 101

Knowing the specifics of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Liability auto insurance

Liability coverage will cover 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 your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, attorney fees and structural damage. How much coverage you buy is up to you, but buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for hospital visits, dental work, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from flooding, hitting a deer and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision coverage will pay to fix damage to your S8 resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Best coverage at the best price

We just covered a lot of ways to reduce 2017 Audi S8 insurance rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier. These companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

Some auto insurance companies may not have online quoting small, regional companies only sell through independent agents. Affordable 2017 Audi S8 insurance is available both online in addition to many insurance agents, so you need to compare both so you have a total pricing picture.

Much more information about auto insurance is available at these links: