Save on 2017 Audi A8 Insurance Rates 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 3, 2024

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Are you kicking yourself for buying overpriced car insurance? Trust us, there are many drivers thinking the same thing.

Because there are so many choices, it’s difficult to locate the most cost effective company.

It is always a good idea to take a look at other company’s rates before your policy renews because prices change frequently. If you had the lowest rates for A8 insurance last year you may be paying too much now. Ignore everything you know about car insurance because we’re going to show you one of the best ways to find better rates and still maintain coverage.

Get lower rates by taking advantage of discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but occasionally some discounts must be asked for before you get the savings.

  • Theft Deterrent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Save with a New Car – Adding a new car to your policy can save you some money since newer models have better safety ratings.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Cars – Buying insurance for primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Senior Citizen Rates – Mature drivers could receive a slight reduction on a car insurance quote for A8 insurance.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Drive Less and Save – Driving less could be rewarded with discounted rates on garaged vehicles.
  • Telematics Data Discounts – Insureds who allow their insurance company to monitor driving patterns by using a telematics device such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.

A quick disclaimer, most discounts do not apply to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount will definitely lower your overall premium however.

For a list of insurance companies who offer cheap insurance quotes, enter your zip code here.

Why your insurance premiums might be higher

A large part of saving on insurance coverage is knowing a few of the rating criteria that are used to determine the price you pay for insurance coverage. If you have some idea of what influences your rates, this enables you to make decisions that will entitle you to lower insurance coverage prices. Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are less apparent like your continuous coverage and annual miles driven.

The factors shown below are some of the major factors that factor into your rates.

  • Careless driving leads to higher rates – Careful drivers get better rates than people who have multiple driving citations. Even a single speeding ticket may increase your cost twenty percent or more. Drivers who get careless violations such as reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 to the state department of motor vehicles in order to continue driving.
  • Rate your vehicle for proper use – Driving more miles every year the higher your rate. A lot of insurance companies charge to insure your cars partially by how you use the vehicle. Cars used primarily for pleasure use can be on a lower rate level than those used for commuting. Verify your insurance coverage policy properly reflects the right rating data, because it can save money. Having an incorrect usage rating on your A8 may be costing you higher rates.
  • Maintain insurance coverage coverage – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher rates, not being able to provide proof of insurance can result in fines or a revoked license.
  • Do you really need to file that insurance claims? – Companies give lower rates to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended for major claims that would cause financial hardship.
  • Lower rates with GPS tracking and theft deterrents – Choosing to buy a car with an alarm system can earn a premium discount. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Liability protection limits should be high – The liability section of your policy will afford coverage if ever you are ruled to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to have lower insurance rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company which can result in lower premiums.
  • More people means more accidents – Residing in less populated areas is a good thing when shopping for auto insurance. Drivers who live in large cities tend to have more aggressive driving styles and more time behind the wheel. Fewer people translates into fewer accident claims.

How much insurance coverage do I need?

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover if you could use an agent’s help.

  • Can I make deliveries for my home business?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Where can I get insurance after a DUI in my state?
  • Is rental equipment covered for theft or damage?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete your zip code.

Save $421 a year. For real?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all convey the message about savings if you get a free car insurance quote and switch your policy. How does every company give you a lower rate? You have to listen carefully.

Insurance providers look for specific characteristics for the right customer that is profitable for them. A good example of a desirable insured may be a female over age 40, has no driving citations, and does not commute to work. Someone who fits that profile will probably get the lowest prices and will also cut their rates if they switch.

Drivers who do not match the “perfect” profile will be quoted a higher premium which leads to the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save money. That is how insurance companies can confidently make those statements. Because each company has a different risk profile, it’s extremely important to get car insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will provide the lowest car insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from flooding, rock chips in glass, theft and hail damage. The most 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.

Collision – Collision insurance pays for damage to your A8 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, ambulance fees, chiropractic care, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover 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. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for things like medical expenses, legal defense fees, attorney fees, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2017 Audi A8.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Online plus local equals savings

Cheaper auto insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not have the ability to get a quote online and usually these regional carriers prefer to sell through local independent agencies.

You just learned some good ideas how you can save on 2017 Audi A8 insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable car insurance. Consumers may even find the biggest savings come from a small mutual company. Some small companies can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.

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