How Much Does 2013 Audi A8 Insurance Cost?

I can’t think of a single person who likes having to buy insurance, especially when they could find better prices if they shop around.

Companies like Allstate, Liberty Mutual and State Farm promote their brand names with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good habit to compare rates once or twice a year since prices are constantly changing. Just because you found the best rate for A8 insurance on your last policy the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because you’re about to find out the fastest way to buy cheaper insurance.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Finding affordable coverage is quite easy. But car owners must understand how insurance companies sell insurance online.

You may qualify for discounts

Car insurance is not cheap, but there may be some discounts to help bring down the price. Some trigger automatically at the time of purchase, but a few must be asked about prior to getting the savings.

  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a lower insurance coverage rate if you buy a life policy as well.
  • Air Bag Discount – Options like air bags can receive discounts of 25 to 30%.
  • Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
  • Save with More Vehicles Insured – Insuring multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will definitely lower the cost of your policy.

Some companies that possibly offer some of the discounts shown above include:

Before buying, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to see a list of insurers that offer discounts, click here.

The quickest method we recommend to get rate comparisons is to know the fact most insurance companies will pay a fee to give you rate quotes. The one thing you need to do is give them rating details such as the year, make and model of vehicles, if you lease or own, how much you drive, and how much coverage you want. Your rating data is submitted instantly to all major companies and they return rate quotes quickly.

Five tips to get more affordable insurance costs

Part of the car insurance buying process is learning some of the things that are used to determine the level of your policy premiums. When consumers understand what determines base rates, this allows you to make good choices that may reward you with lower car insurance prices.

  • Location can influence price – Living in less populated areas is a good thing when trying to find low car insurance rates. Less people corresponds to lower accident rates and lower theft and vandalism rates. Urban drivers have to deal with much more traffic and more time behind the wheel. More time on the road means more chance of being in an accident.
  • Pay more by driving carelessly – Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Only having one chargable violation can boost insurance rates substantially. Drivers with severe violations like reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state DMV in order to continue driving.
  • Your credit rating is important – An insured’s credit score is a large factor in your rate calculation. Consumers who have good credit tend to be better risks to insure than those with poor credit. Therefore, if your credit rating can use some improvement, you may save money insuring your 2013 Audi A8 by improving your credit score.
  • Prevent car insurance policy lapses – Letting your insurance expire is a sure-fire way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance can result in a revoked license or a big fine.
  • Premiums increase with policy add-ons – Policies have optional add-on coverages that may not really be needed if you aren’t careful. Add-on coverages like rental car coverage, towing coverage, and motor club memberships may be costing you every month. You may think they are a good idea initially, but if you have no use for them eliminate them to save money.

There’s no such thing as the perfect insurance policy

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • Am I covered when using my vehicle for business?
  • Am I better off with higher deductibles on my 2013 Audi A8?
  • Does liability extend to a camper or trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will filing a claim cost me more?
  • What is high-risk coverage and where do I buy it?
  • Should I buy only the required minimum liability coverage?
  • Do all my vehicles need collision coverage?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for an Audi A8

Knowing the specifics of a auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Liability car insurance – This can cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like attorney fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi A8.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, pain medications, rehabilitation expenses, X-ray expenses and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – Collision coverage pays for damage to your A8 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

A penny earned…

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best possible price, not the least amount of coverage.

In this article, we covered quite a bit of information on how to get a better price on 2013 Audi A8 insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers may even find the lowest priced car insurance comes from the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Even more information can be found by following these links: