Audi A8 Owners Find the Lowest Car Insurance Rates

Buyers have a choice when searching for affordable Audi A8 insurance. You can either spend your time driving around to get rate comparisons or use the internet to make rate comparisons. There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Audi and find the lowest possible price from local insurance agents and online providers.

It’s smart to price shop coverage occasionally due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best price for A8 insurance six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn the things you must know in order to find better coverage at a better price.

Pieces of the Audi A8 rate puzzle

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

The list below includes a partial list of the pieces used by your company to calculate your rates.

With age comes lower rates – Teen drivers have a tendency to be careless and easily distracted when driving so car insurance rates are higher. Having to add a teenage driver to your policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and are safer drivers.
Big city or small town – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. City drivers regularly have congested traffic and longer commutes to work. Lower population means fewer accidents.
Never let your coverage lapse – Having an insurance coverage lapse is a guaranteed way to increase your car insurance rates. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.
Car features impact rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
The more you drive the more you pay – The more you drive in a year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your A8 may be costing you.
High numbers of claims are not good – Auto insurance companies provide lower rates to people who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for larger claims.
Your stress level may be raising your rates – Occupations like judges, executives and stock brokers tend to pay the highest rates because of high stress and long work hours. On the other hand, occupations such as pilots, students and the unemployed have the lowest average rates for A8 insurance.
Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you. If the Audi A8 has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

How to Get Car Insurance

When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The easiest way by far to find competitive Audi A8 insurance rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do separate forms for each company. One simple form will return quotes from several companies. It’s definitely the quickest method.
A slightly less efficient method to compare rate quotes is to manually visit each individual company website to complete a price quote. For example, we’ll assume you want rates from Nationwide, Progressive and Liberty Mutual. You would have to go to every website and enter your policy data, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.

Whichever way you use, ensure you are comparing identical coverage limits for every company. If you enter unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Audi A8. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that having more price comparisons will increase your chances of finding a better price.

Can you really save that much by switching?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you’ll save big after switching to them. How do they all make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the driver that earns them a profit. For example, a driver they prefer might be between the ages of 40 and 55, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get very good rates and most likely will save when they switch companies.

Consumers who don’t qualify for these standards will be charged higher premiums and ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much money. That is how insurance companies can make the claims of big savings. That is why drivers must compare many company’s rates. It’s impossible to know which car insurance company will have the lowest rates.

Do you qualify for discounts?

Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find car insurance savings.

Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for A8 insurance than drivers with accident claims.
Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for A8 insurance.
Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
Seat Belts Save – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Drive Less and Save – Fewer annual miles on your Audi could be rewarded with a substantially lower rate.

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies who offer car insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

Should I rate my Audi A8 as pleasure use or commute?
Is my business laptop covered if it gets stolen from my vehicle?
Is my teen driver covered when they drive my company car?
Are split liability limits better than a combined single limit?
Should I buy only the required minimum liability coverage?
Does my liability insurance cover pulling a trailer or camper?
Who is covered when they drive my Audi A8?
What discounts do I qualify for?
Does my personal policy cover me when driving my company car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Affordable insurance is out there

Drivers change insurance companies for any number of reasons including not issuing a premium refund, policy non-renewal, high prices and questionable increases in premium. Regardless of your reason, finding a new car insurance company can be less work than you think.

Budget-conscious Audi A8 insurance is available both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just covered many tips how you can shop for Audi A8 insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest premiums are with a small local company.