2012 Audi A8 Insurance Quotes

Trying to find cheaper insurance rates for your Audi A8? If you’re new to shopping for insurance online, it’s easy to get overwhelmed because of the huge number of companies vying for business.

It’s smart to get comparison quotes occasionally because insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for A8 coverage a few years ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about insurance because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.

Car Insurance Comparisons

The are a couple different ways of comparing price quotes from car insurance companies in your area. The easiest way to find the cheapest 2012 Audi A8 insurance rates consists of shopping online. This can be done using a couple different methods.

  • One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do multiple quote forms to each individual car insurance company. One form will get you rate comparisons instantly. It’s definitely the quickest method.
  • A different way to compare prices is to manually visit the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare rates from Farmers, Allstate and Progressive. You would have to visit each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The most time-consuming way of getting rate comparisons is to drive around to different agent offices. Shopping for car insurance online makes this process obsolete unless you want the trained guidance of a local agent. It is possible to find lower rates online and still use a local agent. We’ll cover that shortly.

It’s up to you which method you use, but make absolute certain that you use the exact same coverages and limits for every company. If you enter unequal deductibles or liability limits you will not be able to make a fair comparison for your Audi A8. Having just a slight variation in limits can mean a large discrepancy in price. And when quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding a better price.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Does my 2012 Audi A8 need full coverage?
  • Which companies will insure high-risk drivers?
  • I don’t drive much so do I pay less?
  • What is the minimum liability in my state?
  • When can my company non-renew my policy?
  • What is medical payments coverage?
  • Is rental equipment covered for theft or damage?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Understanding the coverages of car insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Audi A8.

Since a lot of drivers 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 a good idea.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your A8 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability

This protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, medical services, structural damage, bail bonds and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, nursing services, X-ray expenses and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible