View 2003 Audi S8 Insurance Quotes

Searching for the cheapest insurance rates for your Audi S8? Do you get exhausted from wondering where the money will come from to keep your car insured? You have the same problem as many other consumers. With people having so many insurance companies to choose from, it can be challenging to pick the best insurance provider.

Consumers need to take a look at other company’s rates yearly because insurance prices trend upward over time. Just because you had the best quotes on S8 insurance two years ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to lower your insurance premiums.

Where can I get low cost insurance?

Many insurance companies allow consumers to get coverage price quotes directly from their websites. Doing online price comparisons is easy for anyone because you just enter your coverage information as detailed in the form. When complete, the quote system collects information on your driving record and credit history and generates a price based on these and other factors. Being able to quote online makes it simple to compare prices but the work required to visit many different websites and type in your information can get tiresome after awhile. But it’s very important to do this if you want to get better insurance pricing.

The smarter way to get multiple rate quotes uses just one form to obtain quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes online quotes much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

In order to compare rates now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend that you enter your coverages exactly as shown on your declarations page. Doing this assures you will receive comparison quotes based on similar coverages.

You may qualify for discounts

Companies that sell car insurance don’t list their entire list of discounts very well, so we break down both the well known and the more hidden insurance savings.

  • Home Ownership Discount – Being a homeowner can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Driver Safety – Taking time to complete a course in defensive driving may get you a small discount if you qualify.
  • Club Memberships – Joining a civic or occupational organization is a good way to get lower rates on your bill.
  • Early Renewal Discounts – A few insurance companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Telematics Devices – Insureds that choose to allow their insurance company to analyze driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
  • Braking Control Discount – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you may save approximately 10% to 15%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

A list of insurance companies and some of the discounts are:

  • State Farm includes discounts for good driver, safe vehicle, driver’s education, accident-free, multiple autos, and Drive Safe & Save.
  • Farmers Insurance may offer discounts for switch companies, bundle discounts, multi-car, pay in full, business and professional, mature driver, and early shopping.
  • Geico policyholders can earn discounts including federal employee, emergency military deployment, multi-vehicle, defensive driver, driver training, and seat belt use.
  • American Family discounts include early bird, multi-vehicle, mySafetyValet, defensive driver, good student, accident-free, and good driver.
  • Nationwide offers discounts for Farm Bureau membership, accident-free, good student, multi-policy, anti-theft, and easy pay.
  • Progressive has discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, online signing, and good student.

When getting a coverage quote, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not apply everywhere. To see insurance companies who offer free insurance quotes, click this link.

There’s no such thing as the perfect insurance coverage policy

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you would benefit from professional advice.

  • What are the best liability limits?
  • Am I missing any policy discounts?
  • Do I have any recourse if my insurance company denies a claim?
  • Are my friends covered when driving my car?
  • Does my policy cover my teen driver if they drive my company car?
  • How do I insure my teen driver?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi S8.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of 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 values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for surgery, chiropractic care and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance will pay to fix damage to your S8 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.