2014 Audi A8 Insurance Quotes in 2024

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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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Trying to find better car insurance rates for your Audi A8? Paying for pricey Audi A8 insurance can draw down your savings and make it hard to pay other bills. Due to the increasing number of insurance providers from which to choose, it’s difficult to find a lower cost car insurance provider.

Finding the best rates is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this information. Drivers just need to understand how to compare price quotes online.

More discounts mean cheaper premiums

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but a few need to be inquired about before you will receive the discount.

  • Switch and Save Discount – Some insurance companies provide a discount for signing up prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Multi-line Discount – Select insurance carriers reward you with better premium rates if you take out life insurance.
  • Professional Organizations – Joining certain professional organizations is a simple method to lower premiums on your next renewal.
  • Homeowners Savings – Just owning your own home can help you save on insurance because owning a home requires a higher level of personal finance.
  • Early Payment Discounts – By making one initial payment rather than paying in monthly installments you may reduce your total bill.
  • Telematics Devices – Insureds who allow companies to scrutinize driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars with one company can get a discount on all vehicles.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.

Please keep in mind that most discount credits are not given to the entire cost. A few only apply to individual premiums such as medical payments or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts are shown below.

  • State Farm may have discounts that include multiple autos, driver’s education, safe vehicle, good driver, and passive restraint.
  • GEICO includes discounts for multi-policy, federal employee, air bags, anti-lock brakes, driver training, daytime running lights, and five-year accident-free.
  • Liberty Mutual may include discounts for multi-policy, teen driver discount, multi-car, exclusive group savings, newly married, and safety features.
  • The Hartford has savings for defensive driver, anti-theft, bundle, driver training, and good student.
  • MetLife offers premium reductions for defensive driver, good student, claim-free, good driver, multi-policy, accident-free
  • Progressive offers discounts including online signing, multi-vehicle, homeowner, online quote discount, continuous coverage, and multi-policy.

Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area. If you would like to view insurance companies that offer many of these discounts, enter your zip code here.

It’s not one size fits all

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether you could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • What is high-risk coverage and where do I buy it?
  • What is medical payments coverage?
  • Which companies will insure high-risk drivers?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much liability do I need to cover my assets?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads that claim the lowest rates by 21st Century, Allstate and State Farm. All the companies make the same claim that you can save just by switching to their company.

How is it possible that every company can lower your rates? This is the trick they use.

Many companies have underwriting criteria for the type of insured that will generate a profit. A good example of this type of risk profile might have to be over the age of 50, has other policies, and drives a car with an anti-theft system. Any driver who fits those characteristics will qualify for the lowest rates and will save quite a bit of money when switching.

Drivers who are not a match for these stringent criteria will see higher premium rates and the customer buying from a different company. The trick companies use is to say “customers who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make claims like that. That is why you absolutely need to get a wide range of price quotes. It’s impossible to know the company that will fit you best based on your risk profile.

Coverages available on your policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, damage from flooding, a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability coverage will cover damage that occurs to people or other property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like medical services, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, doctor visits, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage

This pays for damage to your A8 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Audi A8.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote more, save more

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many cases where an insured dropped collision coverage and learned later they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

In this article, we covered quite a bit of information on how to reduce 2014 Audi A8 insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding low cost insurance. You may even discover the lowest priced insurance comes from a small local company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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