2004 Audi A8 Car Insurance Cost – 6 Tips for Cheapest Prices

I can’t think of a single person who likes paying for insurance, particularly when the cost is way too high.

Popular companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Buying car insurance is not that difficult. Although consumers do need to know the way companies price insurance differently and take advantage of how the system works.

Fast and Easy Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the easiest way. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many of the larger companies take part in a program that enables customers to enter their coverage request one time, and each company returns a competitive quote determined by their information. This saves time by eliminating quote requests to each company.

To submit your quote information now, click here to open in new window.

The single downside to comparing rates this way is you cannot specify which providers you want pricing from. So if you want to choose individual companies to compare, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use exactly the same quote information for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to find the best deal for your Audi A8. Just a small difference in insurance coverages can mean a large discrepancy in price. Just remember that comparing more company’s prices helps locate the best price.

Tailor your coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• I don’t drive much so do I pay less?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my friends covered when driving my 2004 Audi A8?
• What is covered by UM/UIM coverage?
• Is my camper covered by my car insurance policy?
• Can my babysitter drive my car?
• Is upholstery damage covered by car insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• What if I total my 2004 Audi A8 and owe more than it’s worth?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses such as surgery, hospital visits, funeral costs, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your A8 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, emergency aid and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2004 Audi A8.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.