2016 Audi S8 Car Insurance Rates 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 12, 2024

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Searching for cheap insurance on the internet might appear rather difficult for people new to quoting and comparison shopping online. When there are so many insurers available, how are people able to efficiently compare them all to find the best pricing?

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Shopping for the lowest cost insurance coverage is simple if you know the tricks. But vehicle owners need to learn how companies compete online and apply this information to your search.

Where can I get affordable insurance?

When looking for cheaper auto insurance quotes, there are a couple ways to compare prices from all the different companies. One of the best ways to compare rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  1. Experts agree that the best way to find low rates is an all-inclusive rate comparison. This easy form prevents you from having to do separate quotes for every company. A single form gets you price quotes direct from many companies. It’s the fastest way to compare.
  2. A different way to obtain and compare quotes online is spending the time to visit the website for each individual company to complete a price quote. For instance, we’ll assume you want rates from Farmers, Allstate and GEICO. In order to compare rates, you need to spend time on each company’s site and enter your information, which can get old fast.

You can use whichever method you prefer to find lower rates, just ensure you are comparing nearly identical coverages on every price quote you get. If your comparisons have different limits and deductibles on each one you will not be able to make an equal comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when comparing insurance rates, know that having more price comparisons helps improve the odds of finding the best offered rates. Not every company provides prices over the internet, so it’s recommended that you also compare price estimates from those companies as well.

Cheaper rates with these discounts

Auto insurance companies do not advertise every available discount in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known insurance savings.

  • Theft Deterrent System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Discount for Multiple Policies – If you combine your homeowners and auto policies with the same company you may save over 10 percent off each policy depending on the company.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Data Collection Discounts – People who choose to allow driving data collection to track driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

Large insurance companies and their possible discounts can be found below.

  • GEICO has savings for defensive driver, emergency military deployment, air bags, multi-policy, anti-lock brakes, and military active duty.
  • Mercury Insurance discounts include annual mileage, anti-theft, low natural disaster claims, multi-policy, and good driver.
  • Farmers Insurance offers discounts for teen driver, business and professional, pay in full, distant student, youthful driver, switch companies, and bundle discounts.
  • Auto-Owners Insurance may have discounts that include paid in full, student away at school, safe driver, anti-lock brakes, air bags, and paperless.
  • Liberty Mutual has discounts for good student, teen driver discount, safety features, multi-car, exclusive group savings, new vehicle discount, and new move discount.
  • SAFECO includes discounts for safe driver, teen safety rewards, drive less, bundle discounts, multi-car, and anti-theft.
  • Progressive may include discounts for good student, homeowner, online quote discount, multi-vehicle, and online signing.
  • USAA offers discounts including multi-policy, driver training, military installation, good student, new vehicle, defensive driver, and annual mileage.

If you need the cheapest auto insurance quotes, ask every insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. To locate insurance companies that have a full spectrum of discounts, enter your zip code here.

Audi S8 insurance cost factors

Many different elements are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but others are more obscure like your vehicle usage or your commute time.

  • Stay claim-free and lower insurance coverage rates – If you’re an insured who likes to file claims you can pretty much guarantee much higher rates or policy non-renewal. Companies give better rates to people who file claims infrequently. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Premiums increase with driving tickets – Having a single citation can increase rates to the point where it’s not affordable. Drivers with clean records receive lower rates than bad drivers. People who have serious violations like reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
  • Get hitched and pay lower premiums – Your spouse may save some money on your insurance coverage policy. Having a significant other demonstrates that you tend to be more financially stable and it’s proven that being married results in fewer claims.
  • Consider raising deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of some claims that would be covered are colliding with a building, flood damage, and windstorm damage. Your deductibles define the amount you are required to pay if a covered claim is submitted. The larger the amount the insured is willing to pay, the lower your rates will be on S8 coverage.
  • Does auto insurance cost less for gals? – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Both genders have accidents at about the same rate, but the males have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).
  • Liability safeguards assets – Your insurance coverage policy’s liability coverage provides coverage in the event that you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides legal defense to attempt to prove you were not liable. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • See if your company offers a multi-policy discount – Many companies provide lower prices to clients that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still compare other insurance prices to confirm you are receiving the best rates possible. You may still be able to save more without the discount by splitting coverages up.
  • Higher rates for stressful occupations – Occupations such as military personnel, architects and accountants generally pay higher premiums than the average policyholder due to intense work-related stress and lengthy work days. Other careers like farmers, athletes and retirees receive lower rates on S8 coverage.

Insurance can be complex

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions might point out whether you could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • What is the difference between comprehensive and collision coverage?
  • Is business equipment covered while in my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What can I do if my company won’t pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Misconceptions in insurance advertisements

Respected companies like Progressive, Allstate and GEICO endlessly run ads on television and other media. All the ads seem to make the promise that drivers can save some big amount just by moving your policy. That’s great but how can every company say the same thing? Just pay attention to how they say it.

Insurance providers have specific guidelines for the type of driver that will be a good risk. For example, this type of insured might be described as between the ages of 30 and 50, has never had a claim, and drives newer vehicles. Someone that hits that “sweet spot” will probably get the lowest rates and as a result will probably save when they switch companies.

People who don’t qualify for these criteria will probably have to pay higher rates which usually ends up with business not being written. The trick is to say “drivers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently lure you into getting a quote.

Because each company has a different risk profile, you need to do a quote comparison often. Because you cannot predict which insurance company will have better car insurance rates than you’re paying now.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like EMT expenses, rehabilitation expenses, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision insurance

This covers damage to your S8 resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, pain and suffering, court costs and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi S8.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Spend less. Save more.

Some insurance companies don’t offer rates over the internet and many times these smaller companies sell through independent insurance agents. Lower-priced auto insurance can be bought online and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

We just presented many ideas to shop for 2016 Audi S8 insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premium rates come from a lesser-known regional company.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

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