2004 Audi A8 Insurance Rates
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UPDATED: Feb 28, 2020
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Average insurance rates for an 2004 Audi A8 are $1,160 a year with full coverage. Comprehensive costs around $230, collision insurance costs $312, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,490. Teen drivers receive the highest rates at up to $4,494 a year.
Annual premium for full coverage: $1,160
Rate estimates for 2004 Audi A8 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 driver in their 40's, prices range range from as low as $510 for just liability coverage to a much higher rate of $2,490 for a driver who has had serious violations or accidents.
These differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code 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 2004 Audi A8 Insurance
Finding better rates for insurance coverage is challenging for people who are new to comparison shopping online. Drivers have so many choices that it can turn into a real challenge to locate the lowest price.
Consumers need to take a look at other company’s rates occasionally because rates are constantly changing. If you had the lowest price on A8 insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage online but with this article, you’re going to get the easiest ways to find cheap insurance coverage.
If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. Although consumers can benefit from knowing how insurance companies market on the web.
The most recommended method to get rate comparisons is to know the trick car insurance companies will pay a fee to give rate comparisons. The only thing you need to do is provide information including if you went to college, which vehicles you own, how much you drive, and an estimate of your credit level. Those rating factors is sent automatically to multiple companies and they respond with quotes almost instantly.
Save with discounts on Audi A8 insurance
Auto insurance companies do not advertise all their discounts very well, so here is a list both the well known as well as the least known ways to save on car insurance.
- Accident Waiver – Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
- Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
- No Claims – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
- Club Memberships – Affiliation with certain professional organizations could trigger savings when buying car insurance on A8 insurance.
- Homeowners Discount – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.
- Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
As a disclaimer on discounts, most discounts do not apply the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
Insurance companies that may have these benefits include:
Check with each insurance company which discounts you may be entitled to. Discounts may not be available in your state.
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Tailor your coverage to you
When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.
These are some specific questions can help discover whether your personal situation might need an agent’s assistance.
- Why am I required to buy liability insurance?
- Does my policy cover my teen driver if they drive my company car?
- What is the difference between comprehensive and collision coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I afford to buy a different vehicle if my 2004 Audi A8 is totaled?
- Can I get a multi-policy discount?
- Is extra glass coverage worth it?
- Am I covered if I wreck a rental car?
- What should my uninsured motorist coverage limits be in my state?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.
Insurance coverages explained
Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you 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.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, nursing services, ambulance fees, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from 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 insurance covers claims such as a tree branch falling on your vehicle, fire damage, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as rolling your car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Liability car insurance
This coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.
Liability can pay for things such as legal defense fees, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Shop smart and save
Budget-conscious 2004 Audi A8 insurance can be sourced online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.
We’ve covered a lot of information how to get a better price on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from an unexpected company.
Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, questionable increases in premium, unfair underwriting practices and high prices. Regardless of your reason, choosing a new company is less work than it seems.
Additional learning opportunities
- Safety Belts FAQ (iihs.org)
- What is Covered by GAP Insurance? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- Child Safety FAQ (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Car Crashes Video (iihs.org)
Rates by U.S. City
|New York City, NY||$1,833|
|Los Angeles, CA||$1,983|
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||$75|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.