2013 Audi A8 Insurance Cost

Tired of paying out the nose each month for car insurance? Your situation is no different than millions of other consumers. Having so many choices, it is hard for the average consumer to pick the right provider.

Buying car insurance is quite easy. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Consumers only need an understanding of the proper way to get comparison quotes online.

Car Insurance Comparison Rates

Getting better 2013 Audi A8 car insurance pricing can be relatively painless. The only thing you need to do is take a couple of minutes getting comparison quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form saves time by eliminating separate forms for each company. Just one form compares rates from multiple low-cost companies.
  • A more difficult way to shop for car insurance online is going to the website of each company and request a quote. For instance, we’ll pretend you want to compare Liberty Mutual, Geico and Travelers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make sure you use the exact same coverage information on every quote. If you are comparing different deductibles you can’t possibly determine the lowest rate for your Audi A8.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Do I have newly-aquired coverage?
  • Exactly who is provided coverage by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover a custom paint job?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Auto collision coverage

Collision coverage covers damage to your A8 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A8.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from 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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, X-ray expenses, surgery and hospital visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage