2011 Audi A8 Car Insurance Cost

No one enjoys paying for auto insurance, especially knowing their premiums are through the roof.

Multiple insurers compete for your insurance dollar, so it’s not easy to compare every insurer to get the lowest cost out there.

You need to do rate comparisons before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the lowest rates for A8 coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the quickest ways to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Buying car insurance is quite easy. Although vehicle owners do need to understand the way companies sell insurance online because it can help you find the best coverage.

Finding Insurance

There are a lot of ways you can shop for insurance but there is one way that is easier and takes less work. You can spend your afternoon talking about coverages with agents in your area, or you could use online quotes for quick rates.

Most of the larger companies enroll in a system where prospective buyers enter their policy data once, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual insurance company. To find out what other companies charge for 2011 Audi A8 insurance click here (opens in new window).

The only drawback to using this type of system is you don’t know exactly the companies to get quotes from. If you wish to select specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples deductibles and coverage limits for every company. If you have different liability limits it will be very difficult to find the best deal for your Audi A8. Slightly different limits can make a big difference in price. It’s important to know that quoting more helps you find the best rates.

Take discounts and save

The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Most are applied when you purchase, but less common discounts must be manually applied before you get the savings.

Clubs and Organizations – Participating in a professional or civic organization may earn a discount on your policy for A8 coverage.
Fewer Miles Equal More Savings – Fewer annual miles on your Audi can earn lower rates on the low mileage vehicles.
Sign Online – A handful of insurance companies give back up to $50 simply for signing online.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
Claim Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for A8 coverage than drivers with accidents.
Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
Student in College – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you could get a free car insurance policy, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

Companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. Savings might not apply in every state.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation could use an agent’s help.

Am I covered by my spouse’s policy after a separation?
Are my tools covered if they get stolen from my vehicle?
Can my teen drive my company car?
Can I rent a car in Mexico?
When would I need rental car insurance?
Can I afford to pay high deductible claims out of pocket?
Are rental cars covered under my policy?
Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Audi A8.

Because many people 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. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This pays for damage to your A8 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for nursing services, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to people or other property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like attorney fees, court costs and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.