2004 Audi A8 Insurance Rates – 6 Tips to Save

Trying to find lower auto insurance rates for your Audi A8? Do you get confused by the crazy number of auto insurance choices in your area? There are so many options that it can easily become a chore to find better auto insurance rates.

Finding the cheapest coverage is quite easy. In a nutshell, anyone who buys insurance coverage will more than likely be able to lower their premiums. But drivers can benefit by having an understanding of the way insurance companies determine prices and take advantage of how the system works.

Auto Insurance Discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that may help make it more affordable. Some discounts will apply at the time you complete a quote, but a few need to be inquired about in order for you to get them.

  • Sign Online – Certain companies may give you up to $50 shop insurance coverage on your computer.
  • Early Renewal Discounts – A few insurance companies give discounts for switching to them early. You could save around 10% when you buy insurance coverage online.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off for A8 insurance depending on your auto insurance provider.
  • Telematics Discount – Insureds who allow their insurance company to study driving patterns by installing a telematics device such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Discount for New Cars – Putting coverage on a new car is cheaper because newer vehicles have to meet stringent safety requirements.
  • Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.

One last thing about discounts, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

A list of auto insurance companies and some of the premium reductions they offer are:

  • Geico may have discounts that include seat belt use, anti-lock brakes, military active duty, driver training, five-year accident-free, defensive driver, and emergency military deployment.
  • Mercury Insurance has discounts for good driver, type of vehicle, location of vehicle, age of vehicle, and ease of repair.
  • Farmers Insurance offers discounts including good student, teen driver, mature driver, early shopping, and multi-car.
  • Auto-Owners Insurance discounts include air bags, safe vehicle, multiple vehicles, anti-lock brakes, company car, and paperless.
  • Liberty Mutual has savings for multi-car, new move discount, newly married, teen driver discount, new vehicle discount, new graduate, and good student.
  • SAFECO policyholders can earn discounts including bundle discounts, anti-theft, anti-lock brakes, accident prevention training, homeowner, safe driver, and drive less.
  • Progressive may include discounts for continuous coverage, good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • USAA offers premium reductions for safe driver, annual mileage, military installation, multi-policy, and good student.

If you are trying to find low cost insurance coverage quotes, ask every insurance company which discounts they offer. A few discounts might not be offered on policies in every state. To locate insurance companies with discount rates, click this link.

Compare auto insurance price quotes online

Most of the larger companies like 21st Century, Allstate and State Farm allow consumers to get insurance quotes online. Doing online quotes is quite easy as you just enter your coverage information as requested by the quote form. Once you submit the form, their rating system automatically orders information on your driving record and credit history and generates a price based on many factors.

This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form is a big time waster. But it’s necessary to compare as many rates as possible in order to get better prices.

Online rates the easy way

The easiest way to compare rates utilizes a single form that gets price quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process takes less than 15 minutes and can result in significant savings.

To find out what other companies charge, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you type in coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will have a price comparison based on similar coverages.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Can my babysitter drive my car?
  • Is business property covered if stolen from my car?
  • What is roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I owe more than I can insure my car for?
  • Exactly who is provided coverage by my policy?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverage basics

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, rock chips in glass and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A8.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, rehabilitation expenses, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This pays for damage to your A8 resulting 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 coverage protects against claims such as rolling your car, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property. 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 policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, pain and suffering and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Be a money saver!

Insureds leave their current company for a number of reasons such as poor customer service, delays in paying claims, questionable increases in premium and an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Throughout this article, we presented a lot of ways to lower your 2004 Audi A8 insurance premium rates. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the most savings is with an unexpected company.

Low-cost 2004 Audi A8 insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not have online quoting and most of the time these regional insurance providers prefer to sell through independent insurance agents.

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