Cheap 2018 Audi A8 Car Insurance Rates

Have you fallen victim to an expensive insurance policy? It’s a common feeling and there are many people just like you.

Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings with catchy ads and it is difficult to ignore the promise of big savings and find the best price available.

How to buy auto insurance online

When shopping for cheap insurance quotes, there are a couple of ways of comparing price quotes from lots of auto insurance companies. By far the easiest way to find the lowest 2018 Audi A8 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished by using one of the methods below.

  1. One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate quotes to each individual auto insurance company. One form gets coverage cost estimates from multiple companies.
  2. Another way to compare rate quotes requires you to visit each company website and go through the quote process again. For examples sake, we’ll assume you want to view quotes from Farmers, Safeco and State Farm. To find out each rate you need to navigate to each company’s site to enter your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to compare price quotes is to drive around to insurance agencies in your area. Buying insurance online has reduced the need for local agents unless you have a need for the extra assistance that can only be provided by a licensed insurance agent. Some companies do allow you to get prices online but still have the advice of a local agent.

Whichever method you choose, double check that you are using the same coverage data for each price quote. If your comparisons have differing limits you will not be able to make a fair comparison for your Audi A8. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that quoting more will improve the odds of getting more affordable rates.

Car insurance can get complicated

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I crash into my own garage door?
  • When should I remove comp and collision on my 2018 Audi A8?
  • Am I covered when driving in Canada or Mexico?
  • What vehicles should carry emergency assistance coverage?
  • Is my teenager covered with friends in the car?
  • How do I insure my teen driver?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, emergency aid, court costs and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like nursing services, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2018 Audi A8.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a bird, vandalism and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This coverage will pay to fix damage to your A8 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, crashing into a ditch, hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.