2004 Audi A8 Insurance Quotes – 7 Policy Discounts

Searching for lower auto insurance rates for your Audi A8? Confused by the crazy number of auto insurance company choices? Lot’s of other consumers are too. You have so many choices that it can be a lot of work to compare prices.

It’s important to get comparison quotes every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates for A8 coverage a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

How to Compare Insurance Costs

Most major insurance companies such as Geico, State Farm and Progressive allow you to get coverage prices online. Getting online quotes is quite easy as you simply enter the coverages you want into the quote form. Upon sending the form, the company’s rating system automatically retrieves credit information and your driving record and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s very important to do this in order to find lower prices.

The smarter way to find lower prices uses one form that gets price quotes from several different companies. This type of form saves time, reduces the work, and makes comparison shopping a little more enjoyable. After your information is entered, it is quoted and you can select any of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

To save time and get comparison pricing now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This helps ensure you will receive comparison quotes using the same coverage and limits.

Discounts are basically free money

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Most are applied when you complete an application, but some may not be applied and must be specially asked for before being credited.

• Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Safe Driver Discount – Insureds without accidents may save up to 50% more for A8 coverage than drivers with accidents.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
• Distant Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
• Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance policy, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.

For a list of insurance companies with discount insurance rates, click this link.

Which insurance is the “right” coverage?

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

• Are my friends covered when driving my car?
• Am I covered if I wreck a rental car?
• Do all my vehicles need collision coverage?
• What if I don’t agree with a claim settlement offer?
• Is my nanny covered when driving my vehicle?
• Do I need rental car coverage?
• Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision – This coverage pays for damage to your A8 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, funeral costs, chiropractic care and dental work. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability insurance – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like bail bonds, funeral expenses, medical services, court costs and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hitting a deer, hitting a bird and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Audi A8.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.