2007 Audi A8 Insurance Rates

Looking for cheaper car insurance rates? Shoppers have lots of choices when shopping for the best price on Audi A8 insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to quote coverages for a Audi and locate the cheapest rates.

Slash your auto insurance rates with discounts

Some insurance providers don’t list every discount they offer in an easy-to-find place, so we took the time to find a few of the more common and also the lesser-known credits that you can use to lower your rates.

  • Driver Education Discount – Teen drivers should complete a driver education course in school or through a local driver safety program.
  • Braking Control Discount – Cars with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Drive Less and Save – Maintaining low annual mileage can qualify you for better prices on cars that stay parked.
  • Driver Training Discounts – Completing a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
  • Data Collection Discounts – Drivers who elect to allow their auto insurance company to analyze vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.

Just know that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and a selection of discounts are detailed below.

  • State Farm may have discounts that include safe vehicle, multiple policy, Steer Clear safe driver discount, good driver, and good student.
  • GEICO may offer discounts for defensive driver, driver training, good student, daytime running lights, and seat belt use.
  • Liberty Mutual offers discounts for newly married, safety features, new vehicle discount, exclusive group savings, new move discount, hybrid vehicle, and new graduate.
  • The Hartford offers premium reductions for anti-theft, driver training, bundle, defensive driver, and good student.
  • MetLife offers discounts including good driver, good student, defensive driver, multi-policy, claim-free, accident-free
  • Progressive may include discounts for online signing, good student, homeowner, online quote discount, multi-policy, and multi-vehicle.

If you need lower rates, check with each company or agent to apply every possible discount. Depending on the company, some discounts may not apply to policies everywhere. To view providers that offer some of these discounts, click here.

You are unique and your auto insurance should be too

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether you will benefit from professional help.

  • Do I have coverage if my license is suspended?
  • Which is better, split liability limits or combined limits?
  • Does my medical payments coverage pay my health insurance deductible?
  • When can I cancel my policy?
  • How much liability coverage do I need in my state?
  • What is PIP insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

What car insurance coverages do you need?

Understanding the coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability – This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different 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 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, medical services, court costs, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as dental work, chiropractic care, pain medications and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your A8 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A8.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

One last thing

More affordable insurance coverage is attainable from both online companies and from local insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. A few companies don’t offer online rate quotes and many times these regional insurance providers only sell through independent agents.

Consumers change insurance companies for many reasons like questionable increases in premium, policy non-renewal, poor customer service and denial of a claim. Regardless of your reason, switching insurance coverage companies is pretty easy and you might even save some money in the process.

You just learned a lot of tips how to lower your 2007 Audi A8 insurance car insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper car insurance. You may even discover the best car insurance rates are with some of the smallest insurance companies.

More detailed insurance coverage information can be found at these sites: