2019 Audi A8 Car Insurance Cost

Locating the cheapest insurance for an Audi A8 can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find insurance online so you’re going to learn the quickest way to price shop coverage for a new or used Audi and get the best price possible.

It’s a good idea to compare prices before your policy renews because insurance rates change quite often. Despite the fact that you may have had the best deal for A8 coverage a few years ago other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to teach you the best way to properly buy coverages and cut your premium.

Lower rate quotes with these insurance discounts

Not too many consumers would say insurance is affordable, but there may be some discounts that could help you make your next renewal payment. Most are applied when you complete an application, but once in a while a discount must be inquired about prior to getting the savings. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

  • Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Own a Home – Simply owning a home can get you a discount because owning a home means you have a higher level of financial diligence.
  • Responsible Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for A8 coverage than drivers with accidents.
  • Online Discount – A handful of companies will give a small break for completing your application online.
  • Lower Rates for Military – Being deployed with a military unit could qualify you for better rates.
  • Telematics Devices – Policyholders that allow their insurance company to track where and when they drive by using a telematics device like Allstate’s Drivewise could save a few bucks if they have good driving habits.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts could cut 10% or more off the personal injury premium cost.

Please keep in mind that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies aren’t that generous. But any discount should help reduce your overall premium however.

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

  • Progressive offers discounts including multi-vehicle, homeowner, good student, online signing, multi-policy, online quote discount, and continuous coverage.
  • Farmers Insurance has discounts for electronic funds transfer, homeowner, distant student, switch companies, and pay in full.
  • Farm Bureau may include discounts for 55 and retired, renewal discount, youthful driver, good student, multi-vehicle, and multi-policy.
  • State Farm offers premium reductions for anti-theft, multiple policy, good driver, multiple autos, student away at school, and passive restraint.
  • Geico has savings for military active duty, good student, five-year accident-free, driver training, membership and employees, and federal employee.
  • SAFECO discounts include homeowner, accident prevention training, safe driver, anti-lock brakes, multi-car, and drive less.
  • Liberty Mutual may offer discounts for newly married, safety features, exclusive group savings, preferred payment discount, and multi-car.

When getting a coverage quote, ask each company to give you their best rates. Savings may not be offered everywhere.

Lower your insurance premiums

Consumers need to have an understanding of some of the factors that help calculate your car insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that can earn you better car insurance rates. Lots of factors are considered when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are less obvious such as your marital status or how financially stable you are.

  • Are you male or female? – The statistics show that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Men and women are responsible for at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers have the highest risk to insure and are penalized with high car insurance rates.
  • How’s your driving record? – Your driving citation history influences premium rates substantially. Just one driving citation may cause rates to rise substantially. Drivers with clean records get better rates compared to bad drivers. Drivers with flagrant violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Lower rates for safer vehicles – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Audi A8 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • More than one policy can earn a discount – Many companies will give better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to get quotes from other companies to verify if the discount is saving money. You may still be able to find lower rates by buying insurance from more than one company.

Insurance coverage can get complicated

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions can help discover if your situation will benefit from professional help.

  • Do I need an umbrella policy?
  • Where can I get insurance after a DUI in my state?
  • What are the financial responsibility laws in my state?
  • How can I get high-risk coverage after a DUI?
  • Can I drive in Mexico and have coverage?
  • Is my 2019 Audi A8 covered for smoke damage?
  • Is motorclub coverage worth it?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Don’t listen to company ads

Drivers can’t avoid all the ads that claim the cheapest rates by companies like Geico, State Farm and Progressive. All the companies say the same thing that you can save if you change your insurance coverage policy to them.

How do they all have lower policy pricing? It’s all in the wording.

Different companies quote the lowest rates for the type of driver that earns them the most money. An example of this type of risk profile might be over the age of 45, has had continuous coverage, and has great credit. Anybody who matches those parameters will get low car insurance rates and will also save when they switch companies.

Potential customers who cannot meet the “perfect” profile will probably be forced to pay higher rates which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently advertise the savings. This illustrates why you really should get a wide range of price quotes. Because you cannot predict which company will have the lowest rates.

Information about specific coverages

Having a good grasp of a auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverages

This protects you from damages or injuries you inflict on other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different 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 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, bail bonds, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your A8 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, prosthetic devices, dental work, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Quote more. Save more.

When getting insurance coverage quotes online, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at a price you can afford.

People leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, questionable increases in premium and even unfair underwriting practices. No matter why you want to switch, switching insurance companies is easier than you think.

Budget-conscious 2019 Audi A8 insurance can be bought on the web as well as from independent agents, so you need to quote insurance coverage with both to have the best selection. A few companies don’t offer price quotes online and usually these small, regional companies only sell coverage through independent insurance agents.

More detailed insurance information is available at these sites: