Save on 2014 Audi S8 Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

When looking for lower-priced insurance, are you frustrated by the number of insurance choices? Many other drivers are as well. There are so many choices that it can quickly become a ton of work to find better prices.

It’s a good habit to take a look at other company’s rates periodically because rates tend to go up over time. Just because you found the best deal on S8 coverage a few years ago there may be better deals available now. There is a lot of bad advice regarding insurance on the web, but in this article, you’re going to get some of the best techniques to quit paying high insurance rates.

Finding affordable coverage is quite easy. Basically, everyone who is shopping for auto insurance should be able to find lower rates. Although consumers need to have an understanding of the way companies sell online and use this information to your advantage.

Shop auto insurance online

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way. You can spend countless hours talking to insurance companies in your area, or you could use online quoting for quick rates.

Most of the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions for each company you want a rate for.

To use this form to compare rates enter your zip code here.

The one disadvantage to using this type of form is that you can’t choose which providers to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. Click to enter zip code.

Compare rates however you want, just ensure you’re using apples-to-apples information for every quote you compare. If you are comparing different data then you won’t be able to decipher which rate is best. Even a minor difference in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that getting more free quotes increases the change that you will find the best offered rates.

Insurance policy discounts

Insurance is neither fun to buy or cheap, but there could be available discounts that may help make it more affordable. A few discounts will automatically apply when you get a quote, but once in a while a discount must be requested specifically prior to receiving the credit.

  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Telematics Data – Policyholders that allow their insurance company to monitor their driving habits by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Driver Training Discounts – Completing a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a car insurance quote.
  • Government Employees – Employees or retirees of the government could provide a small rate reduction on S8 coverage with select insurance companies.
  • Discount for Life Insurance – Select insurance companies reward you with a lower rate if you buy life insurance from them.

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

Companies that may offer these money-saving discounts include:

  • Farm Bureau
  • Liberty Mutual
  • State Farm
  • Auto-Owners Insurance

When quoting, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in every state.

How do I know if I need professional advice?

When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Is rental equipment covered for theft or damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and enter your zip code.

Auto insurance policy specifics

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi S8.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision insurance pays for damage to your S8 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as medical services, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for things like nursing services, ambulance fees, rehabilitation expenses, dental work and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, vandalism and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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