2013 Audi S8 Car Insurance Quotes – 8 Ideas for Cheaper Rates

Trying to find the cheapest insurance rates for your Audi S8? Searching for the cheapest insurance for a new or used Audi S8 could be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to compare insurance rates so we’re going to tell you the best way to price shop coverage for a Audi and locate the lowest price either online or from local insurance agents.

If you are insured now or need a new policy, you can use these tips to get lower rates while maximizing coverage. Buying affordable insurance coverage coverage is simple if you know the tricks. Vehicle owners only need an understanding of how to compare prices on the web.

More affordable rates with these eight car insurance discounts

Companies that sell car insurance don’t always publicize all available discounts very well, so the list below gives a summary of some of the more common as well as the least known credits available to you.

  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Geico, State Farm, and Progressive will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Drive Less and Save – Low annual miles may allow you to get cheaper rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
  • Resident Student – who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Driver Safety – Taking a defensive driving course may get you a small discount and easily pay for the cost of the class.
  • Multiple Vehicles – Buying insurance for several vehicles with the same car insurance company can get a discount on all vehicles.
  • Switch and Save Discount – A few companies allow discounts for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
  • Senior Citizen Rates – Older drivers can possibly qualify for a small decrease in premiums on S8 coverage.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount should help lower the cost of coverage.

If you would like to view insurance companies with the best car insurance discounts, click this link.

How much does car insurance cost?

Lowering your 2013 Audi S8 car insurance rates doesn’t have to be difficult. You just have to spend a little time comparing rate quotes to see which company has cheap auto insurance quotes. Rate comparisons can be done using a couple different methods.

  • Hands down the most simple method consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for repetitive form submissions for every company. A single form gets you coverage quotes instantly. It’s the fastest way to compare.
  • A slightly less efficient method to analyze rates is going to each individual company website and repeat the quote process. For examples sake, let’s assume you want to compare prices for Nationwide, 21st Century and Geico. You would need to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
  • The hardest way of comparing rate quotes is to spend your day driving to different agent offices. Quoting and buying insurance online eliminates this option unless you’re the type of person who wants the trained guidance only provided by licensed agents. Some companies do allow you to comparison shop your insurance online but purchase the actual policy in an agency.

Take whichever approach you prefer, but be certain you are entering identical quote information for each comparison quote. If you have different liability limits you can’t possibly make a fair comparison for your Audi S8.

Car insurance can get complicated

When choosing adequate coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

  • Is my 2013 Audi S8 covered for smoke damage?
  • Can I make deliveries for my home business?
  • What are the best liability limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my state a no-fault state?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2013 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. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your S8 from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for doctor visits, nursing services, pain medications, prosthetic devices and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as medical expenses, funeral expenses, loss of income, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from flooding, hitting a deer and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote often and quote early

We’ve covered some good ideas how to get a better price on 2013 Audi S8 insurance. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the smaller companies.

Insureds leave their current company for many reasons like being labeled a high risk driver, questionable increases in premium, policy non-renewal and high rates after DUI convictions. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.

Cheap 2013 Audi S8 insurance is possible both online in addition to local insurance agencies, so you need to shop auto insurance with both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and many times these regional carriers only sell through local independent agents.

Helpful learning opportunities