2013 Audi A8 Car Insurance Cost – 9 Tips for Cheapest Prices

Are you a victim of an expensive insurance policy? Believe me when I say there are many people just like you.

There is such a variety of car insurance companies to pick from, and although it’s nice to be able to choose, it can be more difficult to get the best deal.

Get lower-cost auto insurance rates with discounts

Car insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so we researched both well-publicized and also the more inconspicuous discounts that may be available. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Low Mileage Discounts – Low annual miles could be rewarded with discounted rates on garaged vehicles.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Discount for New Cars – Buying insurance on a new vehicle can save you some money due to better safety requirements for new model year vehicles.
  • No Claim Discounts – Good drivers with no accidents have much lower rates as compared to bad drivers.
  • First Accident Forgiveness – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before raising your premiums if your claims history is clear before the accident.
  • Online Discount – Some companies will give you a small discount just for signing your application on their website.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Homeowners Savings – Simply owning a home can save a few bucks since home ownership is proof of financial responsibility.
  • Discount for Swiching Early – Some larger companies provide a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.

Car insurance companies that may have most of these discounts possibly include:

When getting a coverage quote, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To see insurance companies with discount auto insurance rates, click this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Is a fancy paint job covered?
  • Is my 2013 Audi A8 covered for flood damage?
  • Is my teen driver covered when they drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my Audi A8 covered if I use it for business?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Don’t believe everything you hear

Well-known insurance coverage companies like State Farm and Allstate seem to constantly run ads in print and on television. They all convey the message that you’ll save big if you move to them. How do they all give you a lower rate? Just pay attention to how they say it.

Many companies quote the lowest rates for the type of customer that will be a good risk. For instance, a profitable risk profile may be over the age of 50, has had continuous coverage, and drives a safe vehicle. Anybody who matches that profile will probably get cheap prices and will most likely cut their rates if they switch.

People who do not meet the “perfect” profile may receive a higher rate with the end result being the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully claim big savings.

This really drives home the point why you should get as many free auto insurance quotes as possible. It is impossible to predict with any certainty which company will have the lowest rates.

Information about specific coverages

Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like nursing services, hospital visits, pain medications, doctor visits and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your A8 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi A8.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Buy online or local, you save

When you buy auto insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

We just presented many tips how you can get a better price on 2013 Audi A8 insurance. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheap auto insurance. You may be surprised to find that the biggest savings come from the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Additional information can be read at the links below