Compare 2015 Audi S8 Car Insurance Quotes

Searching for lower car insurance rates for your Audi S8? Confused by the crazy number of car insurance company choices? Many other consumers are too. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

You should make it a habit to do rate comparisons at least once a year because insurance rates change regularly. Despite the fact that you may have had the best deal on S8 coverage last year the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance online but I’m going to show you some of the best ways to reduce your car insurance bill.

This article will familiarize you with how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Although vehicle owners should learn the methods companies use to sell online and take advantage of how the system works.

Low Cost Insurance

Most major insurance companies quote prices online. Getting quotes is fairly straightforward as you simply type in your required coverages into the quote form. Upon sending the form, their system gets your credit score and driving record and returns a price quote based on many factors.

Online price quotes makes it a lot easier to compare rates but having to visit many different websites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to do this if you want to find a better rate.

The smarter way to compare insurance pricing makes use of a single form to obtain quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more efficient. Immediately after you send the form, it is rated and you can choose your choice of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.

To save time and use this form to compare rates, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate the coverage information as shown on your current policy. This ensures you will get comparison quotes based on similar coverages.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. Most are applied when you complete an application, but a few need to be manually applied before being credited.

  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Senior Citizens – Mature drivers may qualify for a discount up to 10% on S8 coverage.
  • Auto/Home Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • No Claims – Claim-free drivers pay much less as compared to bad drivers.

Consumers should know that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. Discounts might not be offered in your state.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your situation will benefit from professional help.

  • Do I have newly-aquired coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Will my rates increase for filing one claim?
  • Why do I need rental car insurance?
  • Is a fancy paint job covered?
  • Do I need higher collision deductibles?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Why your Audi S8 insurance rates may be high

It’s important that you understand the different types of things that help determine your insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to lower insurance prices.

The following are some of the factors that factor into prices.

  • Battle of the sexes – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes have accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Where do you drive? – The more you drive in a year’s time the higher your rate. Most companies apply a rate based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy is showing the correct driver usage. If your policy improperly rates your S8 may be costing you.
  • Your job and insurance rates – Occupations like doctors, social workers and financial analysts have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, jobs such as farmers, engineers and retirees get better rates on S8 coverage.
  • Never let your coverage lapse – Not having insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • One company can mean more discounts – Some insurance companies provide better rates to people 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 compare rates to confirm you are receiving the best rates possible.
  • Bad driving skills means higher rates – Your driving citation history has a big impact on rates. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even a single speeding ticket can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Where you live can impact rates – Choosing to live in small towns and rural areas is a positive aspect when talking about insurance. City drivers tend to have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Bump up deductibles to save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Audi. A few examples of covered claims would be collision with another vehicle, vandalism, and burglary. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the less your insurance will be on S8 coverage.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm, Allstate and Geico consistently run ads on TV and radio. All the ads say the same thing of big savings if you change to them. But how can every company make almost identical claims?

Different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could be over the age of 40, has no driving citations, and chooses high deductibles. Any driver who fits that profile receives the best rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet these standards will be quoted higher rates and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can advertise the way they do.

This emphasizes why it is so important to quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Audi S8.

Since a lot of 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 important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for chiropractic care, rehabilitation expenses, X-ray expenses, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your S8 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, 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 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, loss of income and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Be a penny pincher

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed full coverage only to regret that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Drivers leave their current company for a variety of reasons including denial of a claim, lack of trust in their agent, delays in paying claims or even delays in responding to claim requests. Regardless of your reason, finding the right insurance provider can be easy and end up saving you some money.

We’ve covered some good ideas how to lower your 2015 Audi S8 insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from the smaller companies.

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