2003 Audi S8 Car Insurance Quotes

Trying to find better insurance rates for your Audi S8? Searching for better insurance prices for your Audi S8 can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to get price quotes for your Audi and find the best price possible from both online companies and local agents.

You need to get comparison quotes once or twice a year due to the fact that insurance rates change quite often. Just because you had the best rate for S8 coverage a few years ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance because we’re going to demonstrate the only way to find better coverage at a better price.

Where can I get low cost insurance?

Lowering your 2003 Audi S8 insurance rates is a fairly straight forward process. Drivers just need to spend a few minutes on the computer comparing rates from some recommended companies. It is quite easy and can be accomplished using one of these methods.

  • The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating boring form submissions for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from all major companies. This is by far the quickest method.
  • A more difficult way to compare prices requires you to visit the website for each individual company to request a price quote. For example, we’ll pretend you want to compare Liberty Mutual, Allstate and GEICO. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, which can get old fast. For a list of links to insurance companies in your area, click here.
  • The most difficult way to find lower rates is to waste gas driving to insurance agencies in your area. The internet makes this process obsolete unless you’re the type of person who wants the personal advice that only an agent can give. Some companies do allow you to obtain prices from the web and have a local agent actually service the policy.

How you compare quotes is your choice, just be certain you are entering identical coverages and limits for each quote you get. If you use different data you can’t possibly truly determine the lowest rate.

Save $444 a year! What?

Consumers can’t avoid all the ads for auto insurance savings from the likes of GEICO, State Farm and Progressive. They all state the claim that drivers will save a bundle if you just switch to them.

How does every company make almost identical claims? Just pay attention to how they say it.

All the different companies can use profiling for the type of customer that will most likely be profitable. One example of a profitable risk profile might be between the ages of 30 and 50, has a clear driving record, and drives less than 5,000 miles a year. Any driver that fits those parameters will most likely get cheap car insurance rates and as a result will probably save some money.

Insureds who are not a match for those standards will be charged a higher premium and this can result in business going elsewhere. The trick is to say “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can make the claims of big savings.

This emphasizes why it’s extremely important to compare rate quotes every year. It’s impossible to know which auto insurance company will have the best rates for your profile.

Discounts for lower-cost auto insurance rates

Buying auto insurance is not cheap, but you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be requested specifically before you get the savings.

  • 55 and Retired – Mature drivers may qualify for a slight reduction on a auto insurance quote for S8 coverage.
  • Good Student Discount – Being a good student may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Bundle and Save – If you can combine your auto and homeowners policy with the same insurance company you may save as much as 10 to 15 percent.
  • Professional Organizations – Being in a qualifying organization could qualify you for a break on auto insurance.
  • College Student – College-age children who attend college more than 100 miles from home and leave their car at home could qualify for this discount.
  • Sign Online – Certain auto insurance companies will give a small break for signing up on their website.
  • Driver Safety – Passing a defensive driver class could save 5% or more and easily recoup the cost of the course.
  • Military Discounts – Being deployed in the military could trigger a small discount.
  • Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on auto insurance quote compared to frequent claim filers.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

Some of the larger companies that may have these benefits include:

Double check with each insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Why do I need rental car insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the minimum liability in my state?
  • Is my camper covered by my car insurance policy?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills such as pain medications, EMT expenses, doctor visits, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This will cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Audi S8.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage will pay to fix damage to your S8 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, rock chips in glass, fire damage and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage on a shoestring budget

We just presented some good ideas how you can save on 2003 Audi S8 insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company.

People change insurance companies for a number of reasons such as lack of trust in their agent, poor customer service, delays in paying claims or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

Discount 2003 Audi S8 insurance is attainable from both online companies in addition to many insurance agents, and you should compare rates from both to have the best selection. A few companies do not provide online price quotes and these small insurance companies sell through independent insurance agencies.

Additional articles