1997 Audi A8 Insurance Rates

Average insurance rates for an 1997 Audi A8 are $1,068 a year for full coverage insurance. Comprehensive insurance costs on average $200 a year, collision insurance costs $268, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,292 or more. Teen drivers receive the highest rates at up to $4,196 a year.

Annual premium for full coverage: $1,068

Rate estimates for 1997 Audi A8 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 1997 Audi A8 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences illustrate why it is important for drivers to compare prices based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Finding affordable car insurance on the web may be somewhat difficult for beginners to buying insurance online. Because there are so many insurance companies available, how can you even start to compare every company to locate the best available rates?

Finding affordable coverage is not rocket science. Essentially anyone who buys car insurance stands a good chance to be able to lower their premiums. Nevertheless, car owners do need to understand how big insurance companies compete online and take advantage of how the system works.

Best discounts on Audi A8 coverage

Car insurance companies don’t necessarily list all available discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving.

• Student in College – Any of your kids who live away from home and do not have a car can receive lower rates.
• One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
• Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
• Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Safety Course Discount – Taking a defensive driving course can save you 5% or more depending on where you live.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

For a list of providers with discount insurance rates, follow this link.

Finding Insurance Coverage Deals

Shopping for lower insurance coverage rates is a ton of work if you don’t know the fastest way to get free quotes. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to get prices fast.

Many insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and every company provides a quote. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose the companies you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use identical coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles it will be impossible to determine the best price for your Audi A8. Quoting even small variations in insurance coverages may result in large price differences. Just remember that comparing more company’s prices provides better odds of finding better pricing.

These factors can influence Audi A8 insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay enables informed choices that can help you get lower insurance coverage prices.

• Do you know your deductibles? – Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more expense you’re willing to pay, the lower your rates will be on A8 coverage.
• Men are more aggressive – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like reckless driving and DUI.
• Older drivers pay less – Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations. Young drivers have a tendency to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
• Keep rates low by being claim-free – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
• Where you live can impact rates – Residing in less populated areas has it’s advantages when it comes to insurance coverage. Urban drivers have to deal with congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
• Better credit scores mean better rates – Your credit history is a large factor in calculating your insurance coverage rates. Therefore, if your credit history is not that good, you could pay less to insure your 1997 Audi A8 by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you might need an agent’s assistance.

• Is my nanny covered when driving my vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I drop comprehensive coverage on older vehicles?
• Is my teenager covered with friends in the car?
• Why am I be forced to buy a membership to get insurance from some companies?
• If I drive on a suspended license am I covered?
• Am I getting all the discounts available?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance policy specifics

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Audi A8.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, damage from flooding, hitting a bird and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, 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. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles, loss of income, medical services and structural damage. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your A8 from colliding 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 claims such as damaging your car on a curb, colliding with a tree, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for doctor visits, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

Cheap 1997 Audi A8 insurance can be found from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We’ve covered many tips how you can lower your insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal or high prices. It doesn’t matter what your reason, choosing a new company can be easier than you think.

Even more information can be read by following these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Determing Auto Insurance Rates (GEICO)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Parking Tips to Reduce Door Dings (State Farm)

Use our FREE quote tool to compare rates now!