1999 Audi A8 Insurance Cost – 9 Tricks for Best Prices

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Popular companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Smart consumers take time to shop coverage around every six months because prices change regularly. Despite the fact that you may have had the lowest rates for A8 insurance six months ago you may be paying too much now. You can find a lot of wrong information about auto insurance online but with this article, you’re going to get some proven techniques to save money.

If you have car insurance now, you will most likely be able to save some money using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners do need to learn how companies market insurance on the web because it can help you find the best coverage.

Quick Insurance Quotes

Comparing insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the web to maximize your effort.

Most car insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company returns a rated price based on the submitted data. This eliminates the need for quote requests to each company.

To compare 1999 Audi A8 rates now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose the insurers you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use the exact same coverage information for each comparison quote. If you compare higher or lower deductibles it will be very difficult to decipher which rate is best. Quoting even small variations in coverage limits can make a big difference in price. Just keep in mind that comparing more company’s prices gives you a better chance of getting a lower rate.

Do drivers who switch really save $478 a year?

Allstate and Progressive regularly use television and radio advertisements. All the companies make an identical promise about savings if you move to them. How does each company make the same claim?

Different companies are able to cherry pick for the driver they prefer to insure. For instance, a desirable insured might be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements must pay a higher premium which leads to the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much. This is how companies can truthfully make the claims of big savings. This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest Audi A8 insurance rates.

Save money by taking advantage of these nine discounts

Companies don’t list every discount very well, so we took the time to find both well-publicized as well as the least known ways to save on car insurance.

  • E-sign – A few companies give back up to $50 for buying your policy online.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of providers who offer car insurance discounts, click here.

When should I use an insurance agent?

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you may require specific advice.

  • Are rental cars covered under my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I find cheaper teen driver insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for things like dental work, nursing services and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your A8 from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as pain and suffering, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1999 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. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hail damage, vandalism, damage from flooding and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

More choices the merrier

Cheap 1999 Audi A8 insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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