2014 Audi S8 Insurance Quotes – 6 Ideas for Cheapest Rates

If you’re new to shopping for car insurance online, it’s easy to get confused by the sheer number of online car insurance companies and websites offering coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. The purpose of this post is to introduce you to the most effective way to quote insurance and some money-saving tips. Although drivers must learn the methods companies use to sell insurance online and use this information to your advantage.

Comprehensive Auto Insurance Comparison

The are a couple different ways of comparing rates from local auto insurance companies. By far the easiest way to compare 2014 Audi S8 insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form submissions for every auto insurance company. Filling out one form gets rate comparisons from multiple low-cost companies. This is by far the quickest method.
  2. A different way to shop for auto insurance online is spending the time to visit the website for each individual company and request a quote. For sake of this example, let’s assume you want to compare Nationwide, Farmers and Travelers. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever method you choose, ensure you’re using apples-to-apples information for every quote you compare. If you are comparing different deductibles it will be impossible to determine the lowest rate for your Audi S8. Having just a slight variation in insurance coverages can result in a big premium difference. It’s important to know that comparing more company’s prices provides better odds of finding better pricing.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you purchase, but a few need to be specifically requested prior to getting the savings.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on S8 coverage with select insurance companies.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on S8 coverage than less cautious drivers.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on S8 coverage.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will reduce your premiums.

Insurance companies that may offer these benefits are:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not be available everywhere.

What coverages do I need?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation might need professional guidance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • Is there coverage for injuries to my pets?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I wreck a rental car?
  • How much liability coverage do I need in my state?
  • Can my babysitter drive my car?
  • Which is better, split liability limits or combined limits?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a 2014 Audi S8

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision insurance pays for damage to your S8 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, falling objects and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Find Good Coverage for Less

People change insurance companies for many reasons like denial of a claim, policy cancellation, an unsatisfactory settlement offer or not issuing a premium refund. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

Cost effective 2014 Audi S8 insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

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