2010 Audi A8 Insurance Rates

Trying to find better insurance prices for an Audi A8 can normally be a lot of work, but you can use these tips to save time. There is a better way to buy auto insurance and you need to know the quickest way to get price quotes for a Audi and obtain the lowest possible price from local insurance agents and online providers.

Save a ton by taking advantage of discounts

Companies do not advertise all their discounts very well, so the list below gives a summary of a few of the more common as well as the least known credits that may apply to you.

  • Auto/Life Discount – Insurance companies who offer life insurance give better rates if you take out a life policy as well.
  • College Student – living away from home attending college and do not have a car may be able to be covered for less.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one company you may save over 10 percent off each policy depending on the company.
  • Defensive Driver Discounts – Taking part in a course in defensive driving may get you a small discount and easily recoup the cost of the course.
  • Early Switch Discount – A few insurance companies give discounts for switching to them prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • E-sign – A few larger online companies give back up to $50 simply for signing on the web.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn discounted insurancerates on garaged vehicles.
  • Membership in Organizations – Participating in a qualifying organization could qualify you for a break on your next renewal.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce your policy cost.

Larger insurance companies and a partial list of their discounts are outlined below.

  • GEICO policyholders can earn discounts including anti-lock brakes, multi-vehicle, air bags, defensive driver, and driver training.
  • SAFECO may offer discounts for drive less, bundle discounts, accident prevention training, anti-lock brakes, and multi-car.
  • State Farm has savings for multiple policy, driver’s education, Steer Clear safe driver discount, anti-theft, good driver, and student away at school.
  • MetLife offers discounts including claim-free, good student, accident-free, defensive driver, good driver, multi-policy
  • 21st Century may have discounts that include driver training, automatic seat belts, good student, anti-lock brakes, and early bird.
  • Progressive may include discounts for good student, online signing, online quote discount, homeowner, multi-policy, and multi-vehicle.

If you need lower rates, check with every insurance company the best way to save money. Some discounts might not be offered on policies everywhere.

How much insurance coverage do I need?

When it comes to buying the best insurance coverage coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when delivering products for my home-based business?
  • How do I insure my teen driver?
  • Is my custom paint covered by insurance?
  • Am I covered if hit by an uninsured driver?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like chiropractic care, pain medications, ambulance fees and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t 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. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, medical services, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage

This pays for damage to your A8 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi A8.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, damage from getting keyed, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

At the end of the day…

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big mistake. Your goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

In this article, we covered quite a bit of information on how to save on 2010 Audi A8 insurance. The key thing to remember is the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a company that doesn’t do a lot of advertising.

Lower-priced insurance coverage can be bought from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer price quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

Additional detailed information can be found at these sites: