Lower Your 2013 Audi A8 Insurance Quotes

Trying to find low-cost insurance for an Audi A8 can normally be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to compare rates on a Audi and obtain the lowest possible price.

If you have a policy now or are looking for a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Locating more affordable protection can be fairly easy. Vehicle owners only need to know the proper methods to compare prices over the internet.

Audi A8 insurance rates consist of many parts

Consumers need to have an understanding of some of the elements that go into determining insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • Occupation reflects on rates – Careers like real estate brokers, architects and accountants are shown to have higher rates than average because of high stress and long work days. On the flip side, occupations such as scientists, athletes and the unemployed pay the least for A8 coverage.
  • Save money with special equipment – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Mature drivers pay less – Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be more careless when behind the wheel therefore insurance coverage rates are much higher.
  • Where you live is a factor – Living in a small town can save you money when buying insurance coverage. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and longer commute times. Longer commute distances can result in more accidents.
  • Lower miles equals lower premium – Driving more miles each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage coverage is rated on the proper vehicle usage. Incorrect usage on your A8 may be costing you.
  • Your credit rating is important – Credit score is a large factor in determining what you pay for insurance coverage. So if your credit history is lower than you’d like, you could potentially save money when insuring your 2013 Audi A8 by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.

How to Compare Insurance Coverage Costs

All the larger insurance coverage companies quote price estimates directly from their websites. The process is pretty painless as you just enter the coverages you want into the quote form. Once entered, their rating system will order credit information and your driving record and returns pricing information based on these factors.

Quoting online makes it a lot easier to compare rates but the work required to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s very important to do this if you want to find better insurance coverage pricing.

Compare rates the easy way

An easier way to compare rates uses one form to obtain quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes quoting online a little more enjoyable. After sending your information, it is quoted and you can select your choice of the quotes returned. If you find a better price you can click and sign and buy the policy. It only takes a few minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on insurance coverage, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you type in coverages and limits exactly as they are listed on your policy. This ensures you will get an apples-to-apples comparison based on identical coverages.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all make an identical promise about savings if you switch your coverage to them.

How does each company make the same claim?

All companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A propective insured who fits that profile receives the best rates and as a result will probably save when they switch companies.

Drivers who don’t qualify for the requirements will be charged more money which usually ends up with business not being written. The ads say “people who switch” not “people who quote” save that much money. That’s the way companies can truthfully make those claims. That is why you need to get as many quotes as possible. It’s impossible to know which car insurance company will fit your personal profile best.

How to reduce Audi A8 insurance rates

Car insurance companies don’t always publicize every discount very well, so we took the time to find some of the best known and the more hidden car insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break on your policy for A8 coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% for A8 coverage.
  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, click here to view.

Tailor your coverage to you

When buying coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • How high should my medical payments coverage be?
  • Are my friends covered when driving my 2013 Audi A8?
  • When do I need to add a new car to my policy?
  • Should I buy additional glass protection?
  • Do I need higher collision deductibles?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy can be of help when determining 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.

Collision protection

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

Collision coverage protects against things like damaging your car on a curb, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability

This provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, court costs, bail bonds, funeral expenses and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2013 Audi A8.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a broken windshield, theft and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for EMT expenses, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Be a money saver!

Insureds who switch companies do it for a variety of reasons including questionable increases in premium, unfair underwriting practices, policy cancellation and even policy non-renewal. No matter why you want to switch, finding a new auto insurance company can be easier than you think.

Cheap 2013 Audi A8 insurance is available online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

You just learned a lot of tips how to lower your insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a lesser-known regional company.

For more information, take a look at the resources below: