2018 Audi S8 Insurance Quotes 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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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.

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Are you drained from not being able to afford to buy car insurance? Your situation is no different than the majority of other people.

Companies like GEICO, Progressive and Allstate constantly blast consumers with ads and it can be hard to see past the geckos and flying pigs and find the best price available.

You should take the time to compare rates yearly because car insurance prices fluctuate regularly. If you had the best deal for S8 coverage a couple years back other companies may now be cheaper. There is a lot of bad information regarding car insurance online, but you can learn some good information on how to lower your car insurance premiums.

How to lower your insurance cost

There are multiple methods you can shop for insurance but one way is less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you can utilize online quoting to get the quickest rates.

Many insurance companies enroll in a system where prospective buyers submit one quote, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests to each individual insurance company.

To find out how much you can save on insurance enter your zip code here.

One minor caveat to using this type of system is you can’t choose which companies to get pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of low cost insurance companies in your area. Click to enter zip code.

Which method you use is up to you, but do your best to enter exactly the same coverage limits and deductibles for every quote you compare. If you are comparing differing limits then you won’t be able to determine the best price for your Audi S8. Even a minor difference in coverage limits can mean a large discrepancy in price. Just remember that comparing a wide range of rates will improve the odds of getting a lower rate than you’re paying now.

Don’t overlook these car insurance discounts

Auto insurance companies don’t always publicize every discount available in an easy-to-find place, so the next list breaks down both the well known and also the more inconspicuous discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • Multi-Vehicle Discounts – Buying coverage for all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Driver Safety – Taking a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
  • No Claim Discounts – Drivers who stay claim-free have much lower rates when compared to insureds who have frequent claims or accidents.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for S8 coverage than drivers with accidents.
  • Military Rewards – Being deployed with a military unit may lower your prices slightly.
  • Good Student – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
  • Home Ownership Discount – Just owning your own home can save a few bucks because maintaining a house is proof of financial responsibility.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you could get a discount of up to 20% and get you low cost auto insurance.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.

To see insurers who offer discounts, enter your zip code here.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • What are the best liability limits?
  • Is pleasure use cheaper than using my 2018 Audi S8 to commute?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why does it cost so much to insure a teen driver?
  • Is there coverage for injuries to my pets?
  • What discounts do I qualify for?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete your zip code.

Six factors that impact insurance costs

It’s important that you understand the rating factors that help calculate the price you pay for auto insurance. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can earn you cheaper rates. Lots of things are considered when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but some are less obvious such as your marital status or how financially stable you are.

The items below are a few of the “ingredients” used by companies to determine your premiums.

  • Better auto insurance rates for continuous auto insurance coverage – Having an insurance coverage lapse will be a quick way to pay more for auto insurance. Not only will rates go up, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Do you have enough liability insurance? – The liability coverage on your policy is the protection if you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
  • Bundle policies to earn discounts – Some insurers afford a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you already get this discount, you still need to shop around to guarantee you are still saving the most.
  • Policy add-ons may not be needed – There are quite a few extra coverages that can add up if you aren’t diligent. Coverage for things like rental car reimbursement, accidental death, and extra life insurance coverage are probably not needed. They may sound like good ideas when talking to your agent, but now you might not need them so get rid of them and save.
  • Guys pay higher costs – Statistics demonstrate that females take fewer risks when driving. It does not mean males are worse at driving than females. They both are in auto accidents in similar numbers, but the male of the species cause more damage. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.
  • Teenagers are high risk – Mature drivers are more cautious drivers, cause fewer claims and accidents and tend to be get fewer driving tickets. Inexperienced drivers tend to be inattentive behind the wheel so auto insurance rates are higher.

Parts of your insurance policy

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like funeral costs, nursing services, chiropractic care and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Auto liability – Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, emergency aid, bail bonds 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 as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This coverage covers damage to your S8 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2018 Audi S8.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Shop around and save

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage for the lowest cost, not the least amount of coverage.

In this article, we covered some good ideas how to save on 2018 Audi S8 insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest premium rates come from a lesser-known regional company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.

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