1997 Audi A8 Insurance Cost

Want the cheapest insurance rates for your Audi A8? Price shopping your insurance is always hard for people who have little experience online insurance quotes. There are so many options that it can easily become a real challenge to find the perfect company for you.

Which car insurance is cheapest?

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the easiest way. You could waste time driving to insurance agencies in your area, or you could save time and use the web to get pricing more quickly.

Most of the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company can give them a price for coverage. This system prevents you from having to do form submissions for each company. To use this form to compare rates click to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly the insurers you want to price. So if you prefer to pick specific insurance companies to compare, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, try to keep nearly identical coverage limits and deductibles for each comparison quote. If you enter differing limits it’s impossible to determine the lowest rate for your Audi A8. Just a small difference in insurance coverages or limits could throw off the whole comparison. Just keep in mind that having more price comparisons will enable you to find better pricing. Some regional insurers cannot provide rate quotes online, so you need to compare prices on coverage from those companies, too.

Buyer beware of insurance advertising tricks

State Farm and Allstate endlessly run television and radio advertisements. All the ads make the same claim about savings if you switch to them. How is it possible that every company can charge lower premium rates? This is how they do it.

Insurance companies have an ideal profile for the type of driver they prefer to insure. A good example of this type of driver may need to be between the ages of 40 and 55, owns a home, and drives newer vehicles. Any customer that fits those parameters receive the lowest rate quotes and is almost guaranteed to save money with a new company.

Potential insureds who cannot meet this stringent profile will see a higher rate and the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently state the savings.

Each company has different criteria, so drivers should compare price quotes frequently. Because you cannot predict the company that will be your best fit.

Auto insurance companies offer many types of discounts

Some companies don’t necessarily list all disounts very clearly, so the below list has some of the more common and the more hidden auto insurance savings. If you do not double check each discount possible, you’re paying more than you need to.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life policy as well.
  • Data Collection Discounts – Drivers that enable their insurance company to look at where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • 55 and Retired – Older drivers may receive a small decrease in premiums on A8 coverage.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on auto insurance because maintaining a house shows financial diligence.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill if your company offers it.

Remember that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

A partial list of companies that may offer quotes with some of the above discounts include:

When getting free auto insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts listed above may not be available in your area. To locate providers who offer discounts, click here.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why do I need rental car insurance?
  • Am I covered if I drive in a foreign country?
  • When can I cancel my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Understanding the coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills for ambulance fees, X-ray expenses, dental work and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your A8 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from flooding, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A8.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: 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 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, pain and suffering and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Cheaper insurance is a realistic goal

As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, an insured cut uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

People leave their current company for any number of reasons including unfair underwriting practices, delays in responding to claim requests, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is less work than it seems.

You just learned some good ideas how to get a better price on 1997 Audi A8 insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on insurance is with a smaller regional carrier.

Even more information can be found at these sites: