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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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Looking for the cheapest car insurance rates for your Audi S8? Paying cheaper premium rates for car insurance could be hard for people who are new to shopping for insurance online. With more and more insurers to choose from, it can easily become a real difficult job to find the best premium rates.

Buying the lowest cost car insurance coverage is easy if you know what you’re doing. Basically, every driver who is required by state law to have car insurance will be able to find lower rates. But consumers benefit from understanding the way insurance companies sell insurance online and apply this information to your search.

Discounts to earn affordable auto insurance rates

Companies offering auto insurance don’t list the entire discount list in a way that’s easy to find, so we break down both the well known and the more hidden credits available to you. If you check and find you aren’t receiving every discount available, you are just wasting money.

  • No Accidents – Drivers with accident-free driving histories pay much less as opposed to frequent claim filers.
  • Passive Restraints – Options like air bags can qualify for discounts of up to 25% or more.
  • Telematics Data Discounts – Drivers who elect to allow companies to look at their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
  • Online Discount – Many auto insurance companies will provide an incentive simply for signing on your computer.
  • Buy New and Save – Insuring a new car can save you some money compared to insuring an older model.

Remember that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free auto insurance policy, you aren’t that lucky.

If you would like to choose from a list of insurance companies who offer discounts, enter your zip code here.

Learn how to quote auto insurance for less

Many things are used in the calculation when quoting car insurance. Some factors are common sense like your driving record, although others are less obvious such as your credit history or how financially stable you are.

  • Premiums are high for teenagers – Teen drivers are known to be inattentive and easily distracted when driving so auto insurance rates are higher. Parents adding a inexperienced driver onto a policy can be very expensive. More mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Poor credit history equals high rates – An insured’s credit score is likely to be a major factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could be paying less to insure your 2024 Audi S8 by improving your credit score. Insureds that have good credit tend to file fewer claims and have better driving records than drivers who have lower ratings.
  • Protect yourself with liability – Liability coverage provides coverage if ever a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Better drivers pay the best costs – Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Just one chargeable violation can increase rates by as much as twenty percent. Drivers who have flagrant tickets like DUI or willful reckless driving may find they need to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Rates and your address – Living in smaller towns and rural areas of the country can save you money when insuring your vehicles. Drivers who live in large cities regularly have more aggressive driving styles and more time behind the wheel. Less people corresponds to lower accident rates.
  • Annual mileage impacts prices – The more miles you rack up on your Audi in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on their usage. Cars and trucks that are left in the garage get more affordable rates than cars that get driven a lot. A policy that improperly rates your S8 may be wasting your money. It’s always a good idea to double check that your auto insurance policy states the proper vehicle usage.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Can my teen drive my company car?
  • Is extra glass coverage worth it?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when making deliveries for my home business?
  • How do I buy GAP insurance?
  • Do I need replacement cost coverage on my 2024 Audi S8?
  • How can I force my company to pay a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can my babysitter drive my car?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code.

Insurance advertising tricks

Allstate, GEICO and Progressive endlessly run ads on television and other media. They all advertise the message about savings just by switching your policy. Is it even possible that every company can cost less than your current company? This is the trick they use.

Different companies quote their cheapest rates for the type of driver that will add to their bottom line. One example of this type of driver could be a married female, owns their home, and drives a safe vehicle. Someone that meets those criteria may get the lowest premium rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to those criteria may be forced to pay a more expensive rate which results in the prospect going elsewhere. The ad wording is “people who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can confidently make it sound like they have such great auto insurance rates.

Each company has different criteria, so you really need to quote coverage with many companies. It is impossible to predict which car insurance company will fit you best based on your risk profile.

Educate yourself about insurance coverages

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision protection

Collision coverage covers damage to your S8 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like EMT expenses, X-ray expenses, dental work and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, rock chips in glass, hail damage, a tree branch falling on your vehicle and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, structural damage and funeral expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

Saving money is sweet as honey

We just presented a lot of ways to reduce 2024 Audi S8 insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap car insurance. You may even find the lowest premium rates come from an unexpected company.

Budget-conscious 2024 Audi S8 insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies don’t offer price quotes online and these smaller providers sell through local independent agents.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate, but do not skimp to save money.

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