2017 Audi S8 Insurance Quotes – 10 Policy Discounts

Searching for cheaper insurance rates for your Audi S8? Car owners that are new to comparison shopping online may discover purchasing affordable auto insurance is very challenging.

The best way we recommend to get policy rate comparisons is to know car insurance companies have advanced systems to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details such as the ages of drivers, coverage limits, how you use your vehicles, and if your license is active. Your information is sent automatically to all major companies and they return quotes immediately.

To find lower rates now, click here and complete the form.

Do you qualify for discount auto insurance?

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will be applied at quote time, but a few must be manually applied in order for you to get them. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • Early Payment Discounts – By making one initial payment instead of paying each month you may have a lower total premium amount.
  • Defensive Driver Discount – Participating in a defensive driver course could save 5% or more and easily pay for the cost of the class.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Senior Citizen Discount – Older drivers may qualify for a slight reduction on a auto insurance quote for S8 insurance.
  • New Car Discount – Buying a new car model can save up to 30% because newer models have to meet stringent safety requirements.
  • One Accident Forgiven – This one isn’t a discount, but companies like State Farm, Progressive and Geico will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Education – Have your child participate in a local driver’s education class if it’s offered in school.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Safe Driver Discount – Safe drivers can save as much as half off their rates for S8 insurance compared to rates paid by drivers with frequent claims.

It’s important to note that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

A few popular companies and some of the discounts are included below.

  • Geico has discounts for air bags, five-year accident-free, anti-lock brakes, anti-theft, daytime running lights, multi-vehicle, and driver training.
  • Travelers discounts include student away at school, driver training, early quote, continuous insurance, payment discounts, and new car.
  • Farm Bureau offers discounts for 55 and retired, driver training, good student, youthful driver, renewal discount, and multi-policy.
  • Liberty Mutual offers discounts including teen driver discount, good student, newly married, newly retired, new move discount, and exclusive group savings.
  • American Family has savings for TimeAway discount, good driver, defensive driver, early bird, and multi-vehicle.
  • Progressive may have discounts that include multi-policy, multi-vehicle, continuous coverage, online signing, and homeowner.

Before buying, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply to policyholders in your state. To find insurance companies that have a full spectrum of discounts, click this link.

What insurance coverages do I need?

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Will filing a claim cost me more?
  • How do I file an SR-22 for a DUI in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my state a no-fault state?
  • What happens if I owe more than my 2017 Audi S8 is worth?
  • Do all my vehicles need collision coverage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Misconceptions in insurance coverage advertisements

Well-known insurance coverage companies like Geico, State Farm and Progressive regularly use television, radio, and online ads. All the ads make the point that people will save just by moving your policy. How is it possible that every company can cost less than your current company? This is how they do it.

Most companies quote their cheapest rates for the driver that will add to their bottom line. One example of a profitable insured might be described as over the age of 50, owns their home, and has great credit. A propective insured who matches those parameters will get very good car insurance rates and will pay quite a bit less when switching companies.

Potential customers who fall outside this stringent profile may be required to pay higher premium rates which usually ends up with business not being written. The ads state “drivers who switch” but not “everyone who gets a quote” save the amount stated. This is how companies can truthfully make claims like that. Because each company has a different risk profile, drivers must get a wide range of price quotes. It is impossible to guess the company that will have the lowest car insurance rates for your situation.

Educate yourself about car insurance coverages

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Audi S8.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, prosthetic devices, nursing services, funeral costs and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, funeral expenses and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, a broken windshield, damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, crashing into a building, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Shop smart and save

Insureds switch companies for any number of reasons including lack of trust in their agent, questionable increases in premium, high prices or delays in paying claims. No matter why you want to switch, finding a new car insurance company can be pretty painless.

You just learned quite a bit of information on how to lower your 2017 Audi S8 insurance prices. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the most savings is with a small mutual company.

The cheapest 2017 Audi S8 insurance can be purchased on the web and from local agencies, and you should be comparing both to have the best rate selection. Some companies may not provide the ability to get a quote online and most of the time these smaller companies provide coverage only through independent insurance agents.

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