How Much Does 1999 Audi A8 Insurance Cost?

Trying to find better insurance prices for a new or used Audi A8 can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance coverage and you need to know the absolute fastest way to get price quotes on a Audi and locate the lowest possible price either online or from local insurance agents.

Discounts to lower Audi A8 insurance rates

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but less common discounts must be inquired about in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for A8 insurance than less cautious drivers.
  • Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Senior Discount – Mature drivers may be able to get reduced rates for A8 insurance.

It’s important to note that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Discounts may not apply in your state.

How to Lower Your Car Insurance Cost

Comparing car insurance rates is a ton of work if you aren’t aware of the most efficient way. You can spend countless hours talking to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

All the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company returns a rated price based on that data. This saves time by eliminating quotation requests to each individual car insurance company.

To use this form to compare 1999 Audi A8 insurance rates click here to start a free quote.

The one downside to getting quotes like this is you are unable to specify which insurance companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same coverage information with each company. If the quotes have different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Audi A8.

Audi A8 insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that help determine your insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Don’t skimp on liability – Liability insurance will protect you when a jury decides you are liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Traffic citations inflate rates – Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • More people means more accidents – Choosing to live in small towns and rural areas can be a good thing when buying insurance coverage. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have much more traffic to deal with and a longer drive to work. Longer commute distances can result in more accidents.
  • Being married is a good thing – Being married can get you a discount on insurance coverage. Having a spouse is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Multiple policies with one company can save – Most insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and dentists have the highest average rates due to stressful work requirements and long work days. Other occupations such as actors, historians and homemakers get better rates for A8 insurance.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Should I buy full coverage?
  • Should I buy additional glass protection?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage if my license is suspended?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my car?
  • Does insurance cover tools stolen from my truck?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Beware of misleading insurance ads

Consumers can’t ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all say the same thing of big savings if you change your policy.

But how can every company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For example, a desirable insured might be profiled as a mature driver, insures multiple vehicles, and has a short commute. A driver who meets those qualifications receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t meet these standards will be quoted a more expensive rate and ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save money. That’s the way insurance companies can advertise the way they do.

This emphasizes why drivers must compare many company’s rates. You cannot predict which company will give you the biggest savings on Audi A8 insurance.

Parts of your insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your A8 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, colliding with another moving vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, structural damage, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, prosthetic devices, pain medications, surgery and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A8.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Saving money is sweet as honey

Lower-priced 1999 Audi A8 insurance is available online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just showed you some good ideas how you can shop for insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with the smaller companies.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at a price you can afford.

Additional auto insurance information can be found at these links: