2015 Audi S8 Car Insurance Quotes – 10 Tips for Cheaper Rates

Want the cheapest auto insurance rates for your Audi S8? Are you irritated from not being able to afford to buy auto insurance? You are no different than the majority of other people. Due to the increasing number of insurance providers from which to choose, it can be diffult for drivers to find the most affordable insurance company.

The purpose of this post is to introduce you to how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Vehicle owners only need an understanding of the most effective way to compare prices online.

Verify you’re receiving every discount

Auto insurance is not inexpensive, but you may be missing some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you get a quote, but some discounts are required to be specifically requested before you will receive the discount.

  • Discounts for New Vehicles – Adding a new car to your policy can get you a discount due to better safety requirements for new vehicles.
  • Discounts for Federal Employees – Federal government employees may reduce rates when you quote insurance for S8 coverage with some auto insurance companies.
  • Sign Early and Save – A few insurance companies allow discounts for buying a new policy prior to your current policy expiration. You can save around 10% with this discount.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison with drivers who are more careless.
  • Defensive Driver Discounts – Successfully completing a defensive driver course could earn you a small percentage discount if you qualify.
  • Anti-lock Brake System – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • First Accident Forgiveness – This one is not really a discount per se, but certain companies will allow you to have one accident before raising your premiums so long as you are claim-free for a set time period.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates for S8 coverage than their less cautious counterparts.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.

Remember that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of their more popular discounts can be read below.

  • The Hartford discounts include driver training, vehicle fuel type, bundle, air bag, and anti-theft.
  • American Family has discounts for air bags, accident-free, defensive driver, TimeAway discount, Steer into Savings, good student, and multi-vehicle.
  • Progressive includes discounts for online quote discount, good student, online signing, continuous coverage, multi-policy, homeowner, and multi-vehicle.
  • Travelers may offer discounts for multi-policy, multi-car, driver training, new car, save driver, good student, and early quote.
  • Farmers Insurance has savings for electronic funds transfer, multi-car, mature driver, good student, and youthful driver.
  • USAA may have discounts that include family discount, multi-vehicle, new vehicle, annual mileage, vehicle storage, and safe driver.
  • Liberty Mutual policyholders can earn discounts including newly retired, preferred payment discount, safety features, multi-car, new vehicle discount, hybrid vehicle, and new move discount.

It’s a good idea to ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

When should I discuss my situation with an agent?

When choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions might point out whether or not you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Should I carry comprehensive and collision coverage?
  • What is the rate difference between pleasure use and commuting?
  • What is an SR-22 filing?
  • Am I covered if I drive in a foreign country?
  • Should I buy full coverage?
  • Does my 2015 Audi S8 need full coverage?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Slick advertising tricks that work

Consumers can’t get away from ads that promise big savings for switching by Progressive, Allstate and GEICO. They all make the same claim about how much you will save if you just switch your coverage.

But how can every company offer you a better deal? Here is how they do it.

Many companies look for specific characteristics for the type of insured that makes them money. For instance, a preferred risk should be a female over age 40, insures multiple vehicles, and has excellent credit. Anybody who matches those parameters will probably get cheap car insurance rates and therefore will save if they switch.

People who do not meet these standards may be required to pay a higher premium which results in business going elsewhere. Company advertisements say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully state the savings.

Each company has different criteria, so you really need to compare quotes as often as possible. It is impossible to predict which auto insurance company will give you the biggest savings.

Auto insurance coverages explained

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Liability coverages

This will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like pain and suffering, bail bonds, funeral expenses, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Audi S8.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like EMT expenses, X-ray expenses, pain medications and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your S8 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, theft, damage from getting keyed and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Knowledge is power

Cheap 2015 Audi S8 insurance is possible online and from local agencies, so get free insurance quotes from both of them to get a complete price analysis. Some insurance companies don’t offer online quoting and many times these regional carriers provide coverage only through independent agents.

In this article, we presented a lot of tips how to get a better price on 2015 Audi S8 insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the lowest premium rates are with a smaller regional carrier. These companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.

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