View 2001 Audi S8 Insurance Quotes

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like Progressive, State Farm and Geico continually bombard you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

Smart consumers take time to take a look at other company’s rates periodically because insurance rates are constantly changing. Even if you got the lowest rates for S8 insurance six months ago you may be paying too much now. Don’t believe everything you read about car insurance on the internet, so by reading this article, you’re going to learn some great ideas on how to slash your car insurance rates.

If you have a current insurance coverage policy or need a new policy, you can learn to cut your premiums and still get good coverage. Buying car insurance is not rocket science. Consumers just need to learn the most effective way to buy insurance coverage on the web.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Most are applied when you quote, but a few need to be inquired about before they will apply. If you’re not getting every credit possible, you are paying more than you should be.

  • Clubs and Organizations – Belonging to certain professional organizations could qualify you for a break on insurance coverage for S8 insurance.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Bundle and Save – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for S8 insurance with certain companies.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

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

Do I need special coverages?

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • When should I drop full coverage on my 2001 Audi S8?
  • Am I insured when driving a different vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability do I need to cover my assets?
  • What are the financial responsibility laws in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Buyer beware of car insurance advertising tricks

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Geico, State Farm and Progressive. They all seem to say the same thing that you can save if you change to them.

How do they all claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured could be over the age of 50, a clean driving record, and has great credit. Any driver who meets those qualifications is entitled to the best price and therefore will save when they switch companies.

Potential customers who don’t qualify for this ideal profile must pay a higher premium and ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make the claims of big savings.

This illustrates why you should compare as many rates as you can. It’s impossible to know which car insurance company will fit your personal profile best.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Collision coverage protection

Collision coverage covers damage to your S8 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, vandalism, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi S8.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, court costs, emergency aid, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, dental work, chiropractic care and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Get your money’s worth

Cheaper 2001 Audi S8 insurance can be found both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

We’ve covered a lot of tips how to lower your insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with a small local company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Additional information can be found at these links: