1997 Audi A8 Insurance Cost – 10 Ways to Save

Searching for cheaper insurance for an Audi A8 can normally be a painful process, but you can use a few tricks to save time.

There is a better way to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Audi and get the lowest price from local insurance agents and online providers.

You should take the time to check insurance prices once or twice a year because prices tend to go up over time. Even if you think you had the best price on A8 insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Shopping for the best coverage is quite easy. If you are insured now or need new coverage, you can use this information to reduce the price you pay while maximizing coverage. Consumers only need an understanding of how to get comparison quotes online.

How to Compare Car Insurance Costs

All major car insurance companies such as 21st Century, Allstate and State Farm provide prices on their websites. Getting online rates doesn’t take a lot of time as you just enter your personal and coverage information into the quote form. Once entered, the company’s rating system gets your driving record and credit report and generates a price based on these factors.

Online quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is not the best way to spend an afternoon. But it is imperative to do this in order to find the best price on car insurance.

The better way to compare rates

The quickest way to compare car insurance pricing uses one simple form that obtains quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you are able to buy your choice of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will get a rate comparison based on identical coverages.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums on A8 insurance.
  • Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on A8 insurance than their less cautious counterparts.
  • Low Mileage Discounts – Fewer annual miles on your Audi can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

Insurance companies who might offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply in your area.

How to know if you need help

When it comes to choosing adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • Are my friends covered when driving my car?
  • If I drive on a suspended license am I covered?
  • Do I really need UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • What is roadside assistance coverage?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Switch companies and save? Really?

Consumers constantly see and hear ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you move to their company.

How does each company make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a desirable insured could possibly be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Potential customers who are not a match for the requirements must pay a more expensive rate and this can result in business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can claim big savings.

This illustrates why drivers should get a wide range of price quotes. It’s just too difficult to predict which car insurance company will provide you with the cheapest Audi A8 insurance rates.

Insurance coverage options for a 1997 Audi A8

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Audi A8.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield, fire damage, hitting a deer and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like surgery, ambulance fees and funeral costs. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

More effort can pay off

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds change insurance companies for many reasons like an unsatisfactory settlement offer, poor customer service, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

Throughout this article, we presented some good ideas how you can compare 1997 Audi A8 insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Additional car insurance information can be read below: