2013 Audi A8 Car Insurance Quotes in 2024 – 9 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Apr 3, 2024

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When trying to find more affordable insurance, do you get frustrated by the wide range of insurance choices that you can choose from? Vehicle owners have so many choices available that it can quickly become a burden to find a cheaper company.

You should take the time to check insurance prices every six months because insurance prices tend to go up over time. Just because you found the best rates for A8 coverage on your last policy you will most likely find a better premium rate today. There are lots of tips to save on insurance online, but I’m going to show you some great ways to lower your insurance bill.

How to compare free insurance rate quotes

Most larger insurance companies give coverage prices on their websites. This process doesn’t take much effort because it’s just a matter of typing in the amount of coverage you want into a form. Upon sending the form, the quote system collects your credit score and driving record and quotes a price based on these and other factors.

This helps simplify price comparisons, but the work required to visit a lot of sites and type in the same data is repetitive and time-consuming. But it’s necessary to compare as many rates as possible if you want to find the lowest price.

The preferred way to lower your insurance bill utilizes a single form to get prices from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it gets priced and you can select any of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes just a few minutes to complete and can result in significant savings.

To quickly fill out one form to compare multiple rates now, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you input coverages and limits identical to your current policy. Doing this assures you are getting comparison quotes based on the exact same insurance coverage.

Save 15 percent in 15 minutes? Is it for real?

Well-known auto insurance companies like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all seem to state the claim that you can save just by switching to their company. But how can every company say the same thing? It’s all in how they say it.

All the different companies quote the lowest rates for the type of driver that earns them the highest profit. For example, a profitable risk profile could possibly be a married male, is a homeowner, and chooses high deductibles. A driver who meets those qualifications will get low rates and will probably save money with a new company.

Insureds who are not a match for these criteria may receive a higher premium and this can result in the driver buying from a lower-cost company. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make it sound like they have such great car insurance rates. Because of these techniques, drivers should get insurance quotes from several different companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Get cheap rates with these nine discounts

Buying insurance is not cheap, but you may be missing some discounts that you may not know about. Most are applied at quote time, but a few need to be specifically requested before being credited.

  • Data Collection Discounts – People who choose to allow their insurance company to monitor driving patterns by using a telematic data system such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • No Accidents – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could earn a discount of approximately 10% to 15%.
  • No Charge for an Accident – Not really a discount, but some companies like GEICO and Allstate may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive reduced rates for A8 coverage.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with cheaper rates.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Resident Student – Any of your kids who are attending college and leave their car at home could get you a discount.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

For a list of insurance companies with the best insurance discounts, enter your zip code here.

What is the best car insurance coverage?

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • What is the rate difference between pleasure use and commuting?
  • Should I waive the damage coverage when renting a car?
  • Should I drop comprehensive coverage on older vehicles?
  • Will my insurance pay for OEM parts?
  • Do I have coverage if my license is suspended?
  • When should I remove comp and collision on my 2013 Audi A8?
  • Am I covered if I hit a deer?
  • Am I better off with higher deductibles on my 2013 Audi A8?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Specific coverage details

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for dental work, rehabilitation expenses, X-ray expenses, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability

This protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, emergency aid, court costs, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Audi A8.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

In Summary

Low-cost 2013 Audi A8 insurance is available online as well as from independent agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and many times these smaller companies prefer to sell through local independent agents.

We just presented a lot of tips how to get a better price on 2013 Audi A8 insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates are with a smaller regional carrier.

People leave their current company for a variety of reasons including denial of a claim, policy non-renewal, extreme rates for teen drivers and even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is not as hard as you think.

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