Compare 1998 Audi A8 Insurance Quotes

Searching for lower insurance rates? Consumers have lots of choices when looking for the lowest priced Audi A8 insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to compare rates for your Audi and locate the lowest possible price.

It is always a good idea to do price comparisons yearly due to the fact that insurance prices go up and down regularly. Even if you got the lowest quotes on A8 coverage two years ago a different company probably has better rates today. Forget all the misinformation about insurance because we’re going to show you the only way to find better rates and still maintain coverage.

The purpose of this article is to familiarize you with the most effective way to quote insurance. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Drivers only need to know the proper way to shop online.

These discounts can lower insurance rates

Auto insurance companies don’t always advertise every policy discount very clearly, so we took the time to find some of the more common and also the lesser-known credits available to you.

  • Distant College Student Discount – College-age children living away from home attending college and leave their car at home may be insured at a cheaper rate.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote as opposed to accident-prone drivers.
  • Multi-line Discount – Some insurance companies give a small discount if you purchase a life policy as well.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper since newer models are generally safer.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Drive Less and Save – Keeping the miles down on your Audi may enable drivers to earn better premium rates on cars that stay parked.
  • Military Deployment Discount – Having a deployed family member can result in better premium rates.
  • Multi-Vehicle Discounts – Drivers who insure several vehicles on a single policy could earn a price break for each car.
  • Discounts for Safe Drivers – Safe drivers can save as much as half off their rates on A8 coverage than less cautious drivers.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies and some of the discounts are:

  • GEICO has savings for anti-theft, multi-vehicle, emergency military deployment, membership and employees, and anti-lock brakes.
  • Mercury Insurance may include discounts for annual mileage, type of vehicle, accident-free, location of vehicle, anti-theft, multi-car, and low natural disaster claims.
  • Farmers Insurance may offer discounts for homeowner, electronic funds transfer, youthful driver, early shopping, and pay in full.
  • Auto-Owners Insurance offers premium reductions for group or association, multi-policy, paperless, good student, and paid in full.
  • Liberty Mutual includes discounts for hybrid vehicle, safety features, multi-car, preferred payment discount, and teen driver discount.
  • SAFECO discounts include anti-theft, safe driver, bundle discounts, teen safety rewards, accident prevention training, and multi-car.
  • Progressive has discounts for homeowner, online quote discount, multi-vehicle, good student, and online signing.
  • USAA offers discounts including good student, multi-policy, defensive driver, driver training, and multi-vehicle.

If you need lower rates, check with all companies you are considering to apply every possible discount. All car insurance discounts might not be offered on policies in your area. To see a list of insurance companies that offer some of these discounts, click here to view.

Ways to get auto insurance quotes

Cutting your auto insurance rates is a fairly straight forward process. The only thing you need to do is spend a few minutes comparing rates online from several insurance companies. Shoppers can get rates by following the guidelines below.

  1. Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form click to view form in new window. This method saves time by eliminating separate forms for each price estimate. One simple form gets you coverage quotes from several companies. It’s definitely the quickest method.
  2. A different way to analyze rates requires visiting each individual company website and request a quote. For instance, let’s assume you want to compare GEICO, 21st Century and GMAC. You would be required to go to each individual site to input your insurance information, which can get old fast. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverages and limits on every quote. If the quotes have different coverage information it will be very difficult to make a fair rate comparison.

When do I need an agent’s advice?

When buying adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Can I rent a car in Mexico?
  • Can I drive in Mexico and have coverage?
  • Do I pay less for low miles?
  • Does my car insurance cover rental cars?
  • When do I need to add a new car to my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need additional glass coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance policy coverages for an Audi A8

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, hitting a deer and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, chiropractic care and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A8.

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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as funeral expenses, medical services, legal defense fees, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Shop. Compare. Save.

Insureds who switch companies do it for a variety of reasons including denial of a claim, an unsatisfactory settlement offer, delays in responding to claim requests and policy cancellation. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

The cheapest 1998 Audi A8 insurance can be found on the web as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer internet price quotes and usually these smaller companies sell through local independent agencies.

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Additional information