How Much Does 2006 Audi A8 Insurance Cost?

Looking for the cheapest auto insurance rates for your Audi A8? Comparison shopping for auto insurance can be a challenge for beginners to comparison shopping online. Consumers have so many choices that it can turn into a real challenge to locate the lowest price.

Finding cheaper protection is simple if you know the tricks. Essentially every vehicle owner who has to buy insurance will be able to find better rates. Although drivers can benefit by having an understanding of the methods companies use to market on the web.

The quickest method to get policy rate comparisons is to know auto insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide details including how your vehicles are used, if it has an alarm system, what your job is, and an estimate of your credit level. That information is submitted instantly to many of the top insurers and you will get price comparisons very quickly.

To compare multiple company rates now, click here and complete the quick form.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Safe Drivers – Safe drivers can pay as much as 50% less on A8 coverage than drivers with accident claims.

It’s important to understand that most credits do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

Companies who might offer some of the above discounts are:

Double check with all companies you are considering which discounts they offer. Savings may not be available in your area.

When might I need an agent?

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you might need professional guidance.

  • When can my company non-renew my policy?
  • Who is covered when they drive my 2006 Audi A8?
  • Am I covered if I crash into my own garage door?
  • Does liability extend to a camper or trailer?
  • How much can I save by bundling my policies?
  • How do I file an SR-22 for a DUI in my state?
  • Do I pay less for low miles?
  • Is my babysitter covered when using my vehicle?
  • Does my 2006 Audi A8 qualify for pleasure use?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage options for an Audi A8

Understanding the coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, rock chips in glass and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Audi A8.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision insurance

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

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for nursing services, chiropractic care, prosthetic devices, rehabilitation expenses and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability auto insurance

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair bills for other people’s vehicles, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.