2019 Audi A8 Insurance Cost – 6 Discounts for Cheaper Prices

Feel like you’re a prisoner to an expensive insurance coverage policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is quite easy. But vehicle owners must know how the larger insurance companies determine prices and take advantage of how the system works.

How to compare insurance price quotes

Most larger insurance companies allow consumers to get pricing direct online. Getting quotes is quite easy as you just type in your personal and coverage information into a form. When the form is submitted, the system will order credit information and your driving record and quotes a price determined by many factors. Online quotes streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes if you want to find the lowest price.

The better way to compare rates

The smarter way to find better insurance pricing is to use a quote form that gets prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes rate comparisons much simpler. Immediately after you send the form, your coverage is rated and you can select any or none of the resulting price quotes.

If a lower price is quoted, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you type in coverages and limits as shown on your current policy. This way, you are getting comparison quotes for exact coverage.

Brand name doesn’t guarantee savings

Popular insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads make an identical promise of big savings if you just switch to them. It sounds good, but how can they all charge you a lower premium? Here is how they do it.

Companies quote the lowest rates for the driver that makes them money. A good example of a profitable insured might be a female over age 40, has no driving citations, and chooses high deductibles. A propective insured who fits those characteristics will qualify for the lowest rates and therefore will save when they switch companies.

Insureds who do not fit this stringent profile will probably have to pay higher prices which usually ends up with the customer buying from someone else. The ads state “people who switch” not “everyone who quotes” save the amount stated. That is how companies can truthfully claim big savings.

That is why you absolutely need to compare free car insurance quotes often. It is impossible to guess which insurance company will have the best premium rates at this point in time.

Are you earning every discount?

Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some need to be requested specifically prior to receiving the credit.

  • Driving Data Discount – Insureds who allow driving data collection to analyze driving patterns remotely such as State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Government Employees – Federal government employees could cut as much as 10% off on A8 insurance with a few auto insurance companies.
  • Sign Early and Save – Some larger companies give discounts for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates on A8 insurance as compared to drivers with claims.
  • Driver Training Discounts – Taking time to complete a class that teaches safe driver techniques may get you a small discount and easily pay for the cost of the class.
  • Own a Home and Save – Being a homeowner can save a few bucks because owning a home is proof of financial responsibility.

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

A few popular companies and the discounts they provide include:

  • GEICO includes discounts for air bags, multi-policy, anti-theft, seat belt use, anti-lock brakes, driver training, and daytime running lights.
  • Auto-Owners Insurance offers discounts including anti-theft, multi-policy, safe vehicle, good student, and safe driver.
  • American Family may offer discounts for accident-free, TimeAway discount, multi-vehicle, bundled insurance, Steer into Savings, good driver, and air bags.
  • Esurance may have discounts that include anti-theft, good student, renters, online shopper, defensive driver, anti-lock brakes, and paid-in-full.
  • Progressive may include discounts for continuous coverage, online quote discount, homeowner, multi-vehicle, online signing, and multi-policy.
  • State Farm policyholders can earn discounts including anti-theft, accident-free, defensive driving training, student away at school, and passive restraint.
  • AAA discounts include pay-in-full, multi-car, anti-theft, education and occupation, good student, AAA membership discount, and good driver.

If you want inexpensive car insurance quotes, ask every prospective company how you can save money. Savings might not be offered in your area. To see a list of insurers that offer multiple discounts, click here to view.

When in doubt talk to an agent

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Am I covered when pulling a rental trailer?
  • How do I insure my teen driver?
  • Why does it cost so much to insure a teen driver?
  • Am I missing any policy discounts?
  • How does medical payments coverage work?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Liability insurance – This provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, funeral expenses, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverages – This covers damage to your A8 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, nursing services, surgery, chiropractic care and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

You just learned a lot of ways to save on 2019 Audi A8 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even discover the biggest savings come from the smaller companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

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