2016 Audi A8 Insurance Quotes – 9 Policy Discounts

Searching for cheaper auto insurance rates for your Audi A8? No normal person likes buying auto insurance, especially when they know the prices are way too high. Due to the increasing number of online and local companies to choose from, it is hard for the average consumer to choose the lowest price company.

How to buy insurance coverage online

Many insurance companies such as Allstate, Geico and Progressive allow you to get price estimates direct online. Getting online rates is pretty painless because it’s just a matter of typing in your personal and coverage information into the quote form. When the form is submitted, their system automatically orders reports for credit and driving violations and provides a quote. This makes it easy to compare insurance prices but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to get better prices.

Keep reading for an easier way to compare prices

A quicker way to compare insurance coverage pricing uses just one form to get prices from multiple companies. It saves time, requires less work, and makes price shopping online much more efficient. Immediately after you send the form, your coverage is rated and you can choose any of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process only takes a few minutes and can result in significant savings.

To quickly find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you type in deductibles and limits as shown on your current policy. Doing this guarantees you will get a fair comparison based on the exact same insurance coverage.

Get cheaper insurance rates with discounts

Some insurers do not advertise all their discounts in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online. If you don’t get every credit you deserve, you are not getting the best rate possible.

  • Safety Restraint Discount – Drivers who require all occupants to wear their seat belts could cut 10% or more off PIP or medical payments premium.
  • Waiver for an Accident – This one is not really a discount per se, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. This discount can apply up to age 25.
  • Student Discount for Driver Training – Have your child sucessfully take a drivers education course if it’s offered in school.
  • Onboard Data Collection – Insureds who allow data collection to track their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may see discounts as long as the data is positive.
  • Early Signing – Some insurance companies give discounts for renewing your policy early. You may see this discount when you get insurance quotes online.
  • Multiple Cars – Drivers who insure multiple cars or trucks with one company can reduce rates for all insured vehicles.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Bundle and Save – If you combine your home and auto policies and place coverage with the same company you could save up to 20% off your total premium.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, it’s just not the way it works.

If you would like to view insurance companies that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • How can I find cheaper teen driver insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I don’t agree with a claim settlement offer?
  • Will filing a claim cost me more?
  • Can I afford to buy a different vehicle if my 2016 Audi A8 is totaled?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, medical services, pain and suffering, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as chiropractic care, dental work, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your A8 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

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

Comprehensive coverage pays for claims such as fire damage, hitting a deer, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

A tidy conclusion

We’ve covered some good ideas how you can get a better price on 2016 Audi A8 insurance. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may be surprised to find that the best car insurance rates are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Low-cost 2016 Audi A8 insurance is attainable on the web as well as from insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. There are still a few companies who may not have price quotes online and many times these smaller providers prefer to sell through independent insurance agents.

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