Do you want an efficient way to compare lower-priced Audi A8 insurance in Lincoln? Nobody anticipates paying for car insurance, especially when the cost is too high.
It’s safe to conclude that car insurance companies don’t want you to look for cheaper rates. Drivers who get comparison quotes once a year are very likely to switch to a new company because they have a good chance of finding a lower rate. A survey found that people who compared rates annually saved over $3,400 over four years compared to policyholders who never shopped around for cheaper prices.
If finding low prices for Audi A8 insurance in Lincoln is your objective, then having a good understanding how to find companies and compare insurance coverage can make the process less intimidating. Many insurers vie for your hard-earned dollar, so it’s not easy to compare every company and get the definite best rate on Audi A8 insurance in Lincoln.
Take policy discounts and save on Audi A8 insurance in Lincoln
Not many people think insurance is cheap, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some need to be manually applied before they will apply.
- Paper-free Discount – A handful of insurance companies will provide an incentive simply for signing online.
- Military Rewards – Being deployed in the military could be rewarded with lower auto insurance rates.
- Student Discounts – This discount can save 20 to 25%. This discount can apply well after school through age 25.
- Own a Home – Owning a house in Lincoln can save a few bucks because owning a home requires a higher level of personal finance.
- Sign Early and Save – A few companies offer discounts for switching companies prior to the expiration date on your current A8 insurance policy. Ten percent is about the average savings.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The illustration below illustrates the comparison of Audi A8 insurance premiums with and without discounts. The premiums assume a male driver, no violations or accidents, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, safe-driver, and claim-free discounts applied.
A few of the larger companies and their possible discounts are:
- Travelers may have discounts that include student away at school, IntelliDrive, multi-policy, driver training, hybrid/electric vehicle, and multi-car.
- 21st Century may offer discounts for student driver, theft prevention, air bags, teen driver, early bird, and homeowners.
- State Farm policyholders can earn discounts including good driver, good student, safe vehicle, Steer Clear safe driver discount, defensive driving training, multiple policy, and Drive Safe & Save.
- GEICO may include discounts for anti-lock brakes, multi-vehicle, emergency military deployment, seat belt use, and membership and employees.
- SAFECO offers discounts including teen safe driver, anti-theft, safe driver, anti-lock brakes, and homeowner.
- AAA offers discounts for multi-policy, education and occupation, anti-theft, good driver, and multi-car.
Before purchasing a policy, check with every prospective company to apply every possible discount. A few discounts may not apply to policyholders in Lincoln. To see insurers who offer free Audi A8 insurance quotes in Lincoln, click here.
Finding cheaper insurance rates is surprisingly easy. You just have to invest a few minutes comparing rates from online providers.
Comparing price quotes online is fast and free, and it makes it obsolete to drive around to insurance agencies in your area. Comparing Audi A8 insurance rate quotes online has reduced the need for local agents unless your situation requires the guidance of a local agent. You can, however, compare the best prices online and get advice from an agent in your area.
The companies in the list below are our best choices to provide comparison quotes in Nebraska. If you wish to find cheaper car insurance in Nebraska, it’s a good idea that you visit two to three different companies to get the most affordable price.
Audi A8 coverage analysis
The premium table shown next covers a range of insurance rates for Audi A8 models. Learning a little about how auto insurance prices are figured can help you make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $350 | $668 | $300 | $18 | $90 | $1,426 | $119 |
| A8 4.2L Quattro 4-Dr Sedan | $380 | $738 | $300 | $18 | $90 | $1,526 | $127 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific location which can revise auto insurance rates greatly.
Where to set your deductibles
One of the more difficult decisions when buying insurance is how high should the physical damage coverage deductibles be. The comparisons below can help show the rate difference of buying low and high policy deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $390 | $798 | $300 | $18 | $90 | $1,621 | $135 |
| A8 4.2L Quattro 4-Dr Sedan | $424 | $882 | $300 | $18 | $90 | $1,739 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
| A8 4.2L Quattro 4-Dr Sedan | $236 | $464 | $300 | $18 | $90 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific location information which can change price quotes greatly.
We can estimate from the data above that using a $100 deductible costs about $50 more each month or $600 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 18 months between claim filings, you would save money by selecting a higher deductible. The numbers below show an example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $140 |
| Average monthly premium for $1,000 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $50 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $50 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The chart below shows how choosing a deductible and can affect Audi A8 insurance rates for different age groups. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Comparison of insurance rates by age and gender in Lincoln
The chart below shows the difference between Audi A8 insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.
Which policy gives me the best coverage?
Keep in mind that when it comes to choosing a policy for your vehicles, there really isn’t a “perfect” insurance plan. Your needs are unique to you.
These are some specific questions could help you determine if your situation could use an agent’s help.
- Why do I need rental car insurance?
- Do I need motorclub coverage?
- Do I need special coverage while pulling a rented trailer?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need special endorsements for business use of my vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What is high-risk coverage and where do I buy it?
- How high should deductibles be on a Audi A8?
- How much underlying liability do I need for an umbrella policy?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.
Insurance agencies can help
A small number of people would prefer to visit with an insurance agent and often times that is recommended Insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is you can get the lowest rates and still choose a local agent. Buying from and supporting local insurance agencies is definitely important in Lincoln.
For easy comparison, once you complete this quick form, your insurance data gets sent to insurance agents in Lincoln that can provide free Lincoln auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent to the email address you provide. If you wish to get a price quote from a specific car insurance provider, you can always jump over to their website to submit a rate quote request.
Exclusive and independent Lincoln car insurance agents
When narrowing the list to find a good insurance agency, you must know there are a couple different types of agencies to choose from. Car insurance agents can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles properly, but it’s a good idea to understand the difference in how they write coverage since it can affect the kind of agent you use.
Independent Agencies or Brokers
Independent agents are not restricted to one company and that is an advantage because they can write policies through many companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent.
When comparing rates, you absolutely need to contact at a minimum one independent agency in order to have the best price comparison.
Shown below is a short list of independent agents in Lincoln that can possibly get you cheap rate quotes.
Davidson Insurance Agency, Inc
5604 South 48th St #6 – Lincoln, NE 68516 – (800) 249-1443 – View Map
INSPRO Insurance
4000 Pine Lake Rd – Lincoln, NE 68516 – (402) 483-4500 – View Map
AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive write business for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot shop your coverage around so always compare other rates. Exclusive agencies are very knowledgeable on the products they sell which aids in selling service over price.
Shown below are exclusive insurance agents in Lincoln that are able to give price quote information.
Allstate Insurance: Rob Bryant
6211 O St B – Lincoln, NE 68510 – (402) 488-8997 – View Map
Shelter Insurance – Reed Devall
1419 N Cotner Blvd – Lincoln, NE 68505 – (402) 464-9300 – View Map
American Family Insurance – Ben Bolte Agency Inc
5815 S 58th St Ste A – Lincoln, NE 68516 – (402) 441-4222 – View Map
Picking a insurance agency requires you to look at more than just a low price. Below are some questions you should ask.
- If you have an accident, will your rates go up?
- Do they carry Errors and Omissions coverage?
- What company holds the largest book of business for them?
- Are all drivers listed on the coverage quote?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they offer rental car reimbursement?
Cheaper insurance rates are possible
As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. The goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.
Drivers who switch companies do it for a number of reasons such as poor customer service, being labeled a high risk driver, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.
You just learned some good ideas how to get a better price on Audi A8 insurance in Lincoln. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive Lincoln auto insurance quotes. You may even be surprised to find that the best prices are with the least-expected company.
Steps to quoting cheaper Audi A8 insurance in Lincoln
The best way to find affordable car insurance rates is to compare prices at least once a year from different companies who sell auto insurance in Lincoln.
Step 1: Try to learn a little about how your policy works and the factors you can control to prevent expensive coverage. Many rating factors that increase rates such as accidents, traffic tickets, and a not-so-good credit rating can be controlled by making minor changes to your lifestyle.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
Step 3: Compare the price quotes to your existing rates and see if there is a cheaper rate in Lincoln. If you find a lower rate, verify that coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your intent to cancel your current auto insurance policy and submit a down payment along with a completed application for the new coverage. Once the paperwork is finalized, place your new proof of insurance certificate with your vehicle’s registration.
One bit of advice is to try to use identical coverage information on each quote and and to get quotes from every company you can. This helps ensure a fair price comparison and a thorough price selection.
Helpful resources
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Lincoln Auto Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Auto Insurance Rates for High Mileage Drivers in Lincoln? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Understanding your Policy (NAIC.org)
- Credit Impacts Car Insurance Rates (State Farm)