2003 Audi A8 Insurance Rates
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UPDATED: Feb 28, 2020
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Average insurance rates for an 2003 Audi A8 are $1,134 a year including full coverage. Comprehensive costs approximately $226 each year, collision costs $298, and liability coverage costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,428. Teen drivers receive the highest rates at $4,388 a year or more.
Annual premium for full coverage: $1,134
Rate estimates for 2003 Audi A8 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2003 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
For a middle-aged driver, prices range go from as low as $504 for just liability insurance to a high rate of $2,428 for a high risk driver.
These differences highlight why all drivers should compare rates using their specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2003 Audi A8 Insurance
Buyers have options when searching for the lowest priced Audi A8 insurance. They can either waste time contacting agents to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to find insurance online so we’re going to tell you the quickest way to quote coverages for a Audi and get the best price possible either online or from local insurance agents.
If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. This article will teach you the best way to quote coverages. Consumers only need an understanding of the proper methods to get comparison quotes online.
Cut prices on 2003 Audi A8 insurance
Auto insurance companies do not advertise every discount very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.
- Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Low Mileage – Fewer annual miles on your Audi could be rewarded with better rates on cars that stay parked.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
- Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
Keep in mind that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.
For a list of providers with discount insurance coverage rates, click here to view.
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Tailor your coverage to you
When it comes to buying the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.
Here are some questions about coverages that may help highlight whether you might need professional guidance.
- How many claims can I have before being canceled?
- Does my medical payments coverage pay my health insurance deductible?
- What is the difference between comprehensive and collision coverage?
- When should I buy a commercial auto policy?
- Am I covered if hit by an uninsured driver?
- Do I need rental car coverage?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Beware of misleading auto insurance ads
Consumers can’t ignore all the ads for car insurance savings from the likes of State Farm, Allstate and GEICO. They all have a common claim that you can save after switching your coverage to them.
But how can every company claim to save you money?
All companies can use profiling for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as over the age of 40, is a homeowner, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and therefore will save when switching.
Drivers who fall outside this ideal profile will be charged higher prices and this can result in business not being written. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do. That is why drivers must get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings on Audi A8 insurance.
Car insurance coverage considerations
Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for bills like hospital visits, pain medications, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
This coverage protects you from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.
Liability coverage protects against claims like emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like a broken windshield, damage from flooding and vandalism. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Feed the piggy bank
We covered quite a bit of information on how to lower your 2003 Audi A8 insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from the smaller companies.
Consumers switch companies for many reasons like policy cancellation, high prices, lack of trust in their agent and delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is pretty simple and you could end up saving a buck or two.
Lower-priced insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
Even more information can be found by following these links:
- Choosing an Insurance Company (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Driving in Bad Weather (Insurance Information Insitute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Information for Teen Drivers (GEICO)
Rates by U.S. City
|New York City, NY||$1,791|
|Los Angeles, CA||$1,938|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$73|
|5-yr Claim Free||$71|
|Paid in Full/EFT||$44|
Discounts are estimated and may not be available from every company or in every state.