2004 Audi A8 Insurance Rates

Having to pay for expensive auto insurance can drain your savings account and force you to cut corners elsewhere. Comparing rates annually is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Many auto insurance companies vie for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

You should make it a habit to compare premium rates before your next renewal since insurance prices are rarely the same from one policy term to another. Just because you had the lowest price on A8 coverage on your last policy you can probably find a better rate now. There is a lot of bad advice regarding auto insurance out there, but you can learn some great ideas on how to find cheap auto insurance.

Free auto insurance quotes

Performing a rate comparison can be exhausting if you don’t know the easiest way. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many companies belong to an insurance system that enables customers to submit one quote, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions for each company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to pricing coverage this way is you cannot specify which insurance companies to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

Compare rates however you want, just do your best to enter the exact same coverage data for each comparison quote. If you compare differing limits it will be nearly impossible to determine which company has the best rates. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing all the rates in your area will improve the odds of getting a lower rate. Not every company does prices over the internet, so you need to compare price quotes on coverage from those companies, too.

Earn discounts to get lower-cost car insurance rates

Car insurance is not an enjoyable expense, but there are discounts available that can drop the cost substantially. A few discounts will be applied at the time of purchase, but some must be specifically requested before you will receive the discount. If you do not double check each discount you qualify for, you could be paying more than you need to.

Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
Good Driver Discounts – Insureds who avoid accidents may save up to 50% more on A8 coverage as compared to drivers with claims.
Safety Course Discount – Taking part in a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.
Club Memberships – Being in qualifying clubs or civic groups could earn you a nice discount on your next car insurance statement.
Discount for Life Insurance – Select insurance carriers reward you with lower premium rates if you buy a life insurance policy as well.
Save with a New Car – Buying a new car model can save you some money because new vehicles have to meet stringent safety requirements.

It’s important to understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts possibly include:

If you are trying to find the cheapest car insurance quotes, ask each company the best way to save money. Some discounts listed above might not be offered everywhere. To view insurers with discount rates, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

Is a blown tire covered by insurance?
Does having multiple vehicles earn me a discount?
Am I covered by my spouse’s policy after a separation?
Are all vehicle passengers covered by medical payments coverage?
Do I need an umbrella policy?
Is a new car covered when I drive it off the dealer lot?
Do I have any recourse if my insurance company denies a claim?
If I drive on a suspended license am I covered?
Is my nanny covered when driving my vehicle?
What happens if I owe more than my 2004 Audi A8 is worth?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Car insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, court costs, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your A8 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, vandalism and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, EMT expenses, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage