How Much Does 2000 Audi A8 Car Insurance Cost?

Are you a victim of an overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like State Farm, Allstate, Geico and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have a policy now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Buying car insurance is not rocket science. Vehicle owners only need to know the tricks to shop their coverage around online.

Don’t overlook these discounts

Companies that sell car insurance don’t always list every available discount very well, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Good Student – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Senior Discount – If you’re over the age of 55, you may receive a small decrease in premiums on A8 insurance.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Low Mileage – Keeping the miles down on your Audi can qualify you for a substantially lower rate.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

It’s important to note that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of companies offering insurance coverage discounts, follow this link.

Which Insurance is Cheapest?

Finding cheaper 2000 Audi A8 insurance prices is a fairly straight forward process. You just need to take a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for a different quote to each individual insurance company. Completing one form compares rates from insurance companies with the best prices.
  2. Another way to compare rate quotes is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, let’s say you want to compare rates from USAA, State Farm and American Family. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient way to get comparison rates is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance only provided by licensed agents. It is possible to comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just double check that you are using the exact same deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one you can’t possibly determine which rate is truly the best.

Is my situation unique?

When it comes to choosing the best insurance coverage coverage, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you may require specific advice.

  • How can I force my company to pay a claim?
  • When would I need rental car insurance?
  • Do I need more liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving on a suspended license?
  • How much liability insurance is required?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance policy coverages for a 2000 Audi A8

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like hospital visits, dental work, pain medications, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A8.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

Liability coverage can cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays for damage to your A8 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage on a shoestring budget

We just presented many ways to save on 2000 Audi A8 insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a small local company. They may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

Cheap insurance is attainable on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

Additional insurance coverage information can be read below: