Cheaper 2019 Audi S8 Insurance Cost 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 the cheapest insurance coverage rates for your Audi S8? Locating the cheapest insurance for an Audi S8 can be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for a Audi and get the best price possible.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices and still get good coverage. Locating the best coverage is easy if you know what you’re doing. Vehicle owners only need to know the proper methods to get comparison quotes online.

Discounts for cheap car insurance rates

Some insurers don’t necessarily list all their discounts very clearly, so the next list breaks down a few of the more common and the more hidden car insurance savings.

  • Switch and Save Discount – Some car insurance companies provide a discount for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Professional Organizations – Having an affiliation with a professional or civic organization could qualify you for a break on car insurance.
  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for S8 coverage.
  • One Accident Forgiven – Not a discount per se, but a handful of insurance companies will forgive one accident before your rates go up so long as you are claim-free for a certain period of time.
  • No Accidents – Insureds with no claims or accidents have much lower rates in comparison with drivers with a long claim history.
  • Military Deployment Discount – Being on active duty in the military could trigger a small discount.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to monitor when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.

One last thing about discounts, some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will definitely reduce your overall bill.

Companies and a summarized list of policyholder discounts can be found below.

  • GEICO has savings for good student, five-year accident-free, anti-theft, driver training, defensive driver, and anti-lock brakes.
  • MetLife offers premium reductions for defensive driver, multi-policy, accident-free, good driver, good student, claim-free
  • State Farm may offer discounts for passive restraint, safe vehicle, multiple autos, multiple policy, Steer Clear safe driver discount, defensive driving training, and Drive Safe & Save.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, good student, and continuous coverage.
  • Mercury Insurance has discounts for professional/association, accident-free, anti-theft, good driver, and location of vehicle.
  • 21st Century offers discounts including driver training, anti-lock brakes, air bags, defensive driver, automatic seat belts, and early bird.
  • Allstate may include discounts for resident student, 55 and retired, premier plus, economy car, and eSmart discount.

If you want affordable auto insurance quotes, ask all the companies what discounts are available to you. Some discounts listed above may not apply to policyholders in every state. To locate insurers that have a full spectrum of discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help highlight if your situation might need professional guidance.

  • What is the ISO rating for a 2019 Audi S8?
  • Does coverage extend to Mexico or Canada?
  • Is a blown tire covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and you can get the answers you need.

Advertising myths

Consumers can’t ignore all the ads for insurance savings by companies like Allstate, GEICO and Progressive. All the companies try to convey promises that you can save after switching to them.

How does each company say the same thing? You have to listen carefully.

Different companies provide the lowest rates for the type of insured that is profitable for them. For example, a profitable customer might have to be over the age of 35, has never had a claim, and drives less than 5,000 miles a year. Any person that fits those parameters may get the lowest prices and have a good chance to save money with a new company.

Drivers who are not a match for the “perfect” profile will get a more expensive rate and ends up with business not being written. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can state the savings.

Because each company has a different risk profile, it is so important to compare many company’s rates. It is impossible to guess which insurance companies will have the best prices for your profile.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Audi S8.

Because many people 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 very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from 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 things like hitting a bird, fire damage, damage from flooding, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, loss of income and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, prosthetic devices, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your S8 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

A fool and his money are soon parted

Insureds leave their current company for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, policy non-renewal and extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

When you buy auto insurance online, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage and learned later that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest cost while still protecting your assets.

We just presented a lot of information how to compare 2019 Audi S8 insurance car 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 best car insurance rates are with the smaller companies.

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