How Much Does 2002 Audi A8 Insurance Cost?

Trying to find better insurance rates for your Audi A8? Searching for better insurance prices for a new or used Audi A8 can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance so we’re going to tell you the proper way to get price quotes on a Audi and locate the best price possible from local insurance agents and online providers.

Car Insurance Prices

Finding a lower price on 2002 Audi A8 insurance can be surprisingly simple. Consumers just need to spend a little time to compare rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do boring form submissions for each company. One form compares rates from all major companies. It’s definitely the quickest method.
  2. A less efficient way to shop for car insurance online is to take the time to go to each company’s website to complete a price quote. For sake of this example, we’ll assume you want to compare Liberty Mutual, State Farm and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare apples-to-apples information for each price quote. If you enter different liability limits it will be impossible to determine the lowest rate for your Audi A8.

Discounts on Audi A8 insurance

Car insurance companies do not advertise all their discounts very clearly, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Student in College – Children who live away from home and do not have a car may be able to be covered for less.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

Companies that may offer these money-saving discounts are:

It’s a good idea to ask each company how you can save money. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • What is medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • Is extra glass coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I getting all the discounts available?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Impacting insurance rates for an Audi A8

It’s important that you understand the factors that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Always keep insurance in force – Allowing your coverage to lapse is a sure-fire way to increase your insurance coverage rates. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Tickets mean higher rates – Even a single ticket can increase rates by as much as thirty percent. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Pay less after the wedding – Getting married can actually save you money on your insurance coverage policy. It usually means you are more mature and responsible and statistics show married couples file fewer claims.
  • How your age affects price – Teen drivers are known to be careless and easily distracted when behind the wheel so insurance coverage rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Do you qualify for a multi-policy discount? – The majority of companies give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.

Information about specific coverages

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as surgery, nursing services, pain medications, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Shop. Compare. Save.

We just showed you quite a bit of information on how to save on 2002 Audi A8 insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, policy non-renewal or high rates after DUI convictions. Whatever your reason, finding a new company is actually quite simple.

Cost effective insurance is possible from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

For more information, link through to the resources below: