2007 Audi S8 Insurance Rates – 9 Tips for Cheapest Quotes

Buyers have many options when searching for affordable Audi S8 insurance. They can either waste time contacting agents getting price quotes or utilize the internet to find the lowest rates. There is a better way to compare insurance rates so we’re going to tell you the quickest way to quote coverages for your Audi and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to get comparison quotes at least once a year since insurance rates are adjusted regularly by insurance companies. Just because you had the best deal on S8 insurance on your last policy there is a good chance you can find better rates now. So just forget all the misinformation about insurance because you’re going to get a crash course in the best way to save money, get proper coverage and the best rates.

How to Lower Your Car Insurance Cost

There are several ways you can shop for Audi S8 car insurance but there is one way that is easier and takes less work. You could waste time driving to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company provides a quote for coverage. This eliminates the need for quote forms to each individual car insurance company.

To access this free quoting program, click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which carriers to receive prices from. If you would rather choose individual companies to compare, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, make sure you use the exact same quote information for each price quote. If you enter mixed coverages it’s impossible to decipher which rate is best.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Is my trailer covered?
  • Is business equipment covered while in my vehicle?
  • Is rental equipment covered for theft or damage?
  • Should I rate my 2007 Audi S8 as pleasure use or commute?
  • Does my policy cover me when driving someone else’s vehicle?
  • At what point should I drop full coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Learn about auto insurance coverages for an Audi S8

Learning about specific coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your S8 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like rehabilitation expenses, ambulance fees, prosthetic devices, surgery and nursing services. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance

Liability insurance protects you from damage that occurs to other people or property that is your fault. It 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 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like structural damage, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, 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.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.