2016 Audi A8 Car Insurance Quotes in 2024 – 5 Ways 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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Trying to come up with a payment for high-priced auto insurance can diminish your checking account and possibly require you to analyze your spending habits. Doing a rate analysis can be a smart way to make ends meet.

Drivers have so many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to find a good deal.

It’s a good habit to quote other rates as often as possible because prices change regularly. Despite the fact that you may have had the lowest rates for A8 insurance on your last policy a different company probably has better rate quotes today. You can find a lot of wrong information about auto insurance on the web, but in just a couple of minutes you can learn some of the best techniques to lower your auto insurance bill.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. But consumers do need to learn how companies price online insurance.

How much is car insurance?

All major car insurance companies such as Progressive, GEICO, Allstate and State Farm make it easy to get coverage prices on the web. This process is pretty easy because it’s just a matter of typing in your coverage information into the quote form. When complete, their system will obtain credit information and your driving record and gives you a price quote based on the data you entered. Online price estimates makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible in order to get the lowest car insurance rates.

The quickest way to find better car insurance pricing requires only one form that gets prices from several companies at one time. It saves time, helps eliminate repetitive entry, and makes online quotes much simpler. After sending the form, it is rated and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

In order to compare rates now, simply enter your zip code here and submit the form. If you have coverage now, it’s recommended you complete the form with exactly as shown on your declarations page. Doing this guarantees you will be getting an apples-to-apples comparison for similar insurance coverage.

Insurance buyers beware

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm endlessly run ads in print and on television. All the ads say the same thing that drivers can save some big amount after switching your coverage. How does each company give you a better price? This is the way they can do it.

Different companies have specific criteria for the type of customer that makes them money. A good example of a desirable insured should be between the ages of 40 and 55, has never had a policy lapse, and drives less than 5,000 miles a year. A prospective insured who fits those characteristics will probably get the lowest prices and as a result will probably save a lot of money.

Consumers who don’t qualify for this stringent profile will see more expensive rates which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everyone who quotes” save money. That’s why companies can truthfully advertise the way they do. Different companies use different criteria so drivers should get insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will fit your personal profile best.

Save a ton by applying these five discounts

Car insurance can cost a lot, but there could be significant discounts that can help lower your rates. Most are applied at the time you complete a quote, but a few must be asked for prior to receiving the credit.

  • Discounts for New Vehicles – Adding a new car to your policy can save up to 30% because newer vehicles keep occupants safer.
  • Telematics Data Discounts – Policyholders that allow data collection to look at when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Multi-car Discount – Insuring multiple cars on one policy can get a discount for every vehicle.
  • Drivers Ed for Students – Have your child take driver’s ed class in school or through a local driver safety program.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn slightly better auto insurance rates than normal.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The best auto insurance companies and their possible discounts are included below.

  • Farm Bureau offers discounts including youthful driver, 55 and retired, renewal discount, safe driver, multi-policy, and driver training.
  • MetLife has savings for claim-free, good student, good driver, multi-policy, and defensive driver.
  • Progressive may offer discounts for good student, continuous coverage, homeowner, online quote discount, multi-vehicle, multi-policy, and online signing.
  • AAA policyholders can earn discounts including AAA membership discount, education and occupation, multi-car, good driver, and pay-in-full.
  • American Family may include discounts for bundled insurance, good driver, defensive driver, air bags, accident-free, good student, and TimeAway discount.
  • GEICO includes discounts for driver training, anti-lock brakes, daytime running lights, federal employee, multi-vehicle, air bags, and membership and employees.
  • State Farm may have discounts that include good driver, Drive Safe & Save, student away at school, anti-theft, safe vehicle, and defensive driving training.

When getting a coverage quote, ask every company which discounts you qualify for. Some discounts listed above may not apply in your area. To see companies who offer auto insurance discounts, enter your zip code here.

Your car insurance coverage should be tailored to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether you could use an agent’s help.

  • Can my teen drive my company car?
  • Will my insurance pay for OEM parts?
  • Am I covered by my spouse’s policy after a separation?
  • Does my car insurance cover rental cars?
  • Is my teenager covered with friends in the car?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is an SR-22 filing?
  • What if I total my 2016 Audi A8 and owe more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete your zip code.

Coverage specifics

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like prosthetic devices, EMT expenses, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance will cover damage or injury you incur to people or other property. It protects YOU against claims from other people. 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. As an example, you may have limits of 100/300/100 which means $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.

Liability insurance covers claims such as medical services, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, fire damage and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your A8 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Audi A8.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Shop around and save

The cheapest 2016 Audi A8 insurance can be purchased online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not offer the ability to get a quote online and usually these regional carriers only sell coverage through independent agents.

As you quote insurance, never skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

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