Save on 2011 Audi A8 Insurance Quotes

Want the cheapest car insurance rates for your Audi A8? Finding affordable car insurance can be nearly impossible for consumers new to buying insurance online. Drivers have so many options that it can quickly become a big hassle to compare prices.

You should take the time to compare rates at least once a year since insurance rates are variable and change quite frequently. Even if you think you had the best deal on A8 insurance on your last policy you can probably find a lower rate today. Don’t believe everything you read about car insurance on the web, but we’re going to give you some great ideas on how to find cheap car insurance.

Finding affordable coverage is not that difficult. Essentially everyone who carries insurance coverage should be able to find better rates. Although consumers need to have an understanding of the way insurance companies sell insurance online because it can help you find the best coverage.

Parts of the Audi A8 rate equation

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.

  • Mature drivers pay less – Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are known to be more careless when behind the wheel therefore car insurance rates are much higher.
  • Where you live is a factor – Being located in less populated areas is a positive aspect when buying car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than bad drivers. Even a single moving violation can bump up the cost by twenty percent. Drivers with serious tickets such as DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Rate your vehicle for proper use – The more you drive each year the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance policy is rated on the correct driver usage. If your policy improperly rates your A8 may be costing you.
  • One company can mean more discounts – Some insurers give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • Being married is a good thing – Having a spouse can actually save you money on your policy. Marriage is viewed as being more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Coverages for roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Don’t sacrifice liability coverage – The liability section of your policy is the protection when you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.

Policy discounts you shouldn’t miss

Companies that sell car insurance do not list all their discounts very clearly, so here is a list some of the best known and the harder-to-find ways to save on car insurance.

  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Savings may not be available everywhere.

Advertising myths

Insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim of big savings if you change to them. How can each company make almost identical claims?

All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as over the age of 50, is a homeowner, and drives less than 7,500 miles a year. A driver who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who do not match the requirements will be charged a higher premium and ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s the way companies can claim big savings. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Is my 2011 Audi A8 covered for flood damage?
  • What is the minimum liability in my state?
  • Can I make deliveries for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your car insurance policy

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision protection

Collision insurance pays for damage to your A8 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, falling objects, damage from a tornado or hurricane, fire damage and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi A8.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A penny saved is a penny earned

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate.

The cheapest 2011 Audi A8 insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.

You just learned a lot of techniques to compare insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.

Much more information about insurance can be read on the following sites: