2019 Audi A8 Car Insurance Cost in 2024 – 8 Savings Tips

Comparing and finding cheap rates for insurance may be frustrating for drivers new to quoting coverage prices online. When there are so many insurers available, it can be a big hassle to find the perfect company for you.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. This article will teach you the best way to quote coverages and some money-saving tips. But drivers must comprehend the way insurance companies determine prices and apply this information to your search.

How to compare free insurance quotes

To find the cheapest insurance quotes, there are several ways to compare rate quotes from companies that offer insurance in your state. The best way to find the lowest Audi A8 rates is to jump online and get quotes. This can be accomplished using a couple different methods.

1. The most efficient way to find the lowest comparison rates is to use a rate comparison form. This style of form prevents you from having to do a different quote for every company. Filling out one form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
2. A less efficient way to get quotes online consists of visiting the website for every company you want to compare and repeat the quote process. For examples sake, we’ll assume you want to compare Allstate, Progressive and Travelers. To do that, you would have to go to every website to enter your coverage information, which can take a lot of time.
3. The hardest method to get rate quotes is making phone calls or going to local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a complicated situation and need the personal advice that you can only get from talking to an agent. Although you can get prices online but have your policy serviced through an agent.

How you compare quotes is your choice, just double check that you are using apples-to-apples coverage data with each company. If the quotes have different limits and deductibles on each one it’s not possible to make a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. Just remember that comparing more rates from different companies will increase your chances of finding more affordable insurance.

Save with these eight discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some discounts will apply at the time of purchase, but a few must be asked about before you get the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

• ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
• Telematics Data Discounts – Drivers who agree to allow their insurance company to analyze their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• Driver’s Ed – It’s a good idea to have your young drivers successfully take a drivers education course as it can save substantially.
• Active Service Discounts – Being deployed in the military may lower your rates slightly.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up could save 15% off the medical payments premium.
• Theft Deterrent System – Vehicles optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Professional Organizations – Being a member of qualifying employment or professional organizations is a good way to get lower rates on your policy.
• More Vehicles More Savings – Having multiple vehicles with the same insurance coverage company may reduce the rate for each vehicle.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and some of the discounts include:

• GEICO has savings for membership and employees, emergency military deployment, good student, five-year accident-free, anti-theft, and military active duty.
• Auto-Owners Insurance discounts include multiple vehicles, student away at school, good student, air bags, company car, and paperless.
• American Family has discounts for early bird, Steer into Savings, good student, accident-free, air bags, good driver, and bundled insurance.
• Esurance policyholders can earn discounts including good driver, claim free, paid-in-full, safety device, emergency road assistance, multi-car, and anti-theft.
• Progressive may have discounts that include good student, continuous coverage, online signing, online quote discount, multi-vehicle, and homeowner.
• State Farm offers premium reductions for good driver, driver’s education, multiple policy, good student, and Steer Clear safe driver discount.
• AAA includes discounts for good driver, education and occupation, multi-car, pay-in-full, AAA membership discount, and good student.

If you are trying to find cheaper insurance quotes, ask each insurance company which discounts you may be entitled to. Discounts may not be available in your area. To locate providers with significant discounts, enter your zip code here.

Special considerations

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

• Am I covered when driving in Canada or Mexico?
• Does my policy cover me when driving someone else’s vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• Is my teenager covered with friends in the car?
• What discounts do I qualify for?
• Is my camper covered by my car insurance policy?
• Does my car insurance cover rental cars?
• Who is covered by my policy?
• Am I covered when driving on a suspended license?
• How high should deductibles be on a 2019 Audi A8?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete your zip code.

Advertising myths

Respected companies like State Farm and Allstate regularly use ads on television and other media. They all make the point that you can save if you move your coverage to them. Is it even possible that every company can charge lower premium rates? This is how they do it.

Insurance providers look for specific characteristics for the type of customer that will add to their bottom line. An example of this type of risk profile may be a mature driver, has no claims, and drives a safe vehicle. A customer that fits those parameters will get low rates and will probably cut their rates if they switch.

Potential insureds who don’t meet the requirements will probably be forced to pay higher rates with the end result being business not being written. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the way they do.

Each company has different criteria, so you really should do a quote comparison often. It’s just too difficult to predict the company that will give you lower rates than your current company.

Car insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision protection

This coverage covers damage to your A8 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, nursing services, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, a broken windshield and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability insurance can cover injuries or damage you cause to people or other property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, attorney fees, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A8.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Take this to the bank

We’ve covered many ideas to compare 2019 Audi A8 insurance auto insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a smaller regional carrier.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, drivers have reduced full coverage only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Budget-friendly car insurance can be sourced online and also from your neighborhood agents, so you need to shop insurance with both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agencies.