2013 Audi S8 Car Insurance Quotes – 6 Ways to Save

Searching for the cheapest auto insurance rates for your Audi S8? Tired of scraping the payment together to insure your Audi every month? You’re in the same situation as millions of other consumers. Drivers have so many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to get the best deal.

Finding affordable coverage is not rocket science. If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates while maintaining coverages. Drivers just need to understand the most efficient way to get comparison quotes online.

Cheap Car Insurance Comparisons

Cutting your car insurance rates is not rocket science. The only requirement is to take time to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

• One of the best ways to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing separate quotation requests for each company you want a rate for. Completing one form gets you coverage quotes from multiple low-cost companies.
• A slightly less efficient method to analyze rates consists of going to each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Farmers, State Farm and Allstate. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

However you get your quotes, ensure you’re using identical information for each price quote. If you have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

There’s no such thing as the perfect policy

When it comes to buying the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions might point out whether or not you would benefit from professional advice.

• Does my 2013 Audi S8 need full coverage?
• Will my rates increase for filing one claim?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does having multiple vehicles earn me a discount?
• Do I have coverage if my license is suspended?
• Does my policy cover my teen driver if they drive my company car?
• Do I need more liability coverage?
• Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi S8.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Med pay and PIP coverage kick in for bills such as pain medications, rehabilitation expenses, ambulance fees and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage – This coverage will pay to fix damage to your S8 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a parking meter, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, damage from flooding, falling objects, damage from a tornado or hurricane and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.