If your goal is the lowest price, then the best way to get more affordable Audi S8 insurance is to compare quotes annually from different companies in Lincoln.
First, it will benefit you to learn about how insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that increase rates like traffic citations and a less-than-favorable credit score can be remedied by making minor changes in your lifestyle.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can provide prices from multiple sources. View insurance agents
Third, compare the new quotes to your existing coverage and determine if there is any savings. If you find a lower rate, verify that coverage does not lapse between policies.
Fourth, give notification to your current company of your decision to cancel your current car insurance policy and submit the required down payment along with the signed application for the new coverage. Once the paperwork is finalized, place your new certificate of insurance in an easily accessible location in your vehicle.
The key aspect of shopping around is to try to compare the same level of coverage on each quote and and to compare as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
Astonishing but true, nearly 70% of Nebraska drivers have been with the same company for at least the last four years, and just under half have never compared rate quotes at all. The average driver in the U.S. could pocket 47% a year just by getting comparison quotes, but they mistakenly think it’s difficult to compare rate quotes online.
If you are insured now, you will surely be able to reduce premiums using the concepts covered in this article. Finding and buying the most affordable coverage in Lincoln is not as hard as you think. Although Nebraska car owners do need to learn how the larger insurance companies charge you for coverage because rates fluctuate considerably.
Get cheaper rates on Audi S8 insurance in Lincoln with these discounts
Car insurance can cost a lot, but you may qualify for discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but a few need to be inquired about before they will apply.
- 55 and Retired – Drivers over the age of 55 may qualify for a small discount on rates.
- Driver’s Education for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Sign Online – Some companies will discount your bill up to fifty bucks for signing up over the internet.
- Lincoln Homeowners Discount – Simply owning a home can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
- Claim-Free Discount – Drivers who don’t have accidents pay much less in comparison with drivers with a long claim history.
- Multiple Cars – Buying a policy with multiple cars on a single policy can reduce the rates for all insured vehicles.
- Early Signing – A few companies give discounts for renewing your policy prior to the expiration date on your current S8 insurance policy. You may see this discount when you get Lincoln car insurance quotes online.
Policy discounts save money, but most discounts do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your overall bill.
Popular car insurance companies and some of the discounts are included below.
- Progressive offers discounts including online signing, homeowner, multi-policy, good student, continuous coverage, online quote discount, and multi-vehicle.
- MetLife discounts include claim-free, defensive driver, accident-free, good driver, good student, multi-policy
- Mercury Insurance has discounts for annual mileage, type of vehicle, anti-theft, age of vehicle, good student, and low natural disaster claims.
- Nationwide offers discounts for family plan, multi-policy, business or organization, good student, easy pay, and accident-free.
- GEICO includes discounts for multi-vehicle, anti-theft, military active duty, multi-policy, seat belt use, and driver training.
- AAA may offer discounts for multi-policy, pay-in-full, anti-theft, education and occupation, good driver, AAA membership discount, and multi-car.
Check with each insurance company which discounts you qualify for. Savings may not apply to policies in Lincoln.
Compare Lincoln Audi S8 insurance price quotes
Many insurance companies allow you to get prices for coverage directly from their websites. The process can be done by anyone because you just enter the coverages you want as detailed in the form. When the form is submitted, their quoting system pulls information on your driving record and credit history and returns a price based on many factors.
Being able to quote online for Audi S8 insurance in Lincoln simplifies rate comparisons, and it’s also necessary to have as many quotes as possible if you want to find the lowest payment on auto insurance.
To save time and get comparison pricing now, compare quotes from the companies shown below. To compare your current rates, we recommend you enter deductibles and limits exactly as they are listed on your policy. This makes sure you will have rate quotes based on identical coverages.
The following companies have been selected to offer comparison quotes in Lincoln, NE. In order to find cheaper car insurance in Nebraska, it’s a good idea that you get rates from several of them in order to get a fair rate comparison.
How to Lower Your Insurance Premiums
When buying auto insurance it’s important to understand some of the things that are used to determine auto insurance rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that may reward you with lower premium levels. Many factors are part of the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are less apparent such as your marital status or how safe your car is.
Where do you drive? – The more miles you rack up on your Audi in a year the more you will pay for auto insurance. The majority of insurers calculate rates based on their usage. Autos that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. Verify your declarations sheet properly reflects the correct usage for each vehicle. An improperly rated S8 can result in significantly higher rates.
Don’t cancel your auto insurance without a new one in place – Allowing your auto insurance policy to lapse will be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, not being able to provide proof of insurance might get you fines or a revoked license.
Do you know your coverage deductibles? – Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Audi. Some examples of covered claims could be colliding with a building, damage from fire, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.
Only buy what you need – There are a lot of optional add-on coverages that may not really be needed but may not be useful. Insurance for personal injury protection, towing coverage, and additional equipment coverage may be wasting your money. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
Marriage can lower costs – Being married actually saves money on your policy. Having a significant other demonstrates that you tend to be more mature than a single person and it’s statistically proven that being married results in fewer claims.
Insurance loss probability for an Audi S8 – Insurers factor in historical loss data to calculate a price that will offset losses. Vehicles that the data determines to have higher frequency or amount of claims will have higher rates.
The table shown below demonstrates the actual insurance loss data for Audi S8 vehicles. For each policy coverage type, the loss probability for all vehicles, as an average, is considered to be 100. Numbers under 100 mean the vehicle has better than average losses, while values over 100 point to more frequent losses or a tendency for claims to be larger.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S8 4dr 4WD | 288 | 266 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When should I talk to a local insurance agent?
Some consumers would rather buy from a licensed agent and that can be a smart move One of the great benefits of getting free rate quotes online is that drivers can save money and get cheap insurance rates and also buy local. Buying from local insurance agents is important particularly in Lincoln.
For easy comparison, once you complete this form (opens in new window), your coverage information is submitted to companies in Lincoln who will give you quotes for your coverage. You won’t even need to search for any insurance agencies because quoted prices will be sent straight to your inbox. Get lower rates AND a local agent. If you want to get a rate quote for a specific company, feel free to navigate to their website and submit a quote form there.
How to choose the best auto insurance agent in Lincoln
When searching for a good Lincoln insurance agent, there are a couple of different agency structures and how they function. Insurance agents in Lincoln are categorized either exclusive agents or independent agents.
Independent Agencies or Brokers
These agents are not employed by one company so as a result can place your coverage through many different insurance companies enabling the ability to shop coverage around. If your premiums go up, they simply switch companies in-house and you don’t have to do anything. When comparing insurance rates, we recommend you compare prices from multiple independent agents to get the most accurate price comparison. Most also have access to companies that do not advertise much that may have much lower rates than larger companies.
The following are independent agencies in Lincoln who can help you get price quote information.
- Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 – View Map - Independent Insurance Agents
8231 Northwoods Dr # B – Lincoln, NE 68505 – (402) 476-2951 – View Map - Advantage Insurance Agency
505 N 27th St #2 – Lincoln, NE 68503 – (402) 484-5454 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company like Allstate and State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are highly trained in insurance sales and that allows them to sell at a higher price point. Consumers sometimes choose to use an exclusive agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are exclusive insurance agents in Lincoln who can help you get rate quotes.
- Farmers Insurance – Ken Richards
3100 O St #3 – Lincoln, NE 68510 – (402) 420-5355 – View Map - State Farm – Lincoln – Steve Lang
1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map - American Family Insurance – Douglas Kruce
5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224 – View Map
Picking an insurance agent needs to be determined by more than just a cheap price. Any agent in Lincoln should have no problem answering these questions:
- How much can you save by raising your physical damage deductibles?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you’re quoting properly cover your vehicle?
- What company do they have the most business with?
- Do they have designations such as AIC, CPCU, or CIC?
- Is the agent and/or agency licensed to do business in Nebraska?
After you get acceptable answers for all questions you ask as well as low cost Audi S8 insurance quotes, you’ve probably found an insurance agent that is a good match to adequately provide insurance. Just understand that once you purchase a policy you can cancel a policy for any reason so don’t assume that you are obligated to the insurance policy indefinitely.
Why you need quality insurance for your S8
Despite the high cost of buying insurance for a Audi S8 in Lincoln, paying for auto insurance is required by state law in Nebraska and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage if you drive a vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Audi S8 has a lienholder, more than likely the lender will stipulate that you have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Audi at a more expensive rate and require you to reimburse them for the much more expensive policy.
- Insurance protects not only your Audi but also your assets. It also can pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in Nebraska is wasting up to $825 a year so compare quotes from several companies at least once a year to help ensure money is not being wasted.
Ratings for Nebraska car insurance companies
Selecting the top auto insurance company can be challenging considering how many choices there are in Nebraska. The company information in the lists below can help you analyze which companies to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Lower rates by being persistent
When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, drivers have reduced collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best price and still be able to protect your assets.
Some companies may not have rate quotes online and most of the time these smaller companies provide coverage only through independent insurance agencies. Discount Audi S8 insurance can be sourced on the web and from local agencies, and you should be comparing both in order to have the best chance of saving money.
You just learned many tips how you can save on Audi S8 insurance in Lincoln. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with the smaller companies.
To read more, feel free to browse the resources below:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- How Much are Car Insurance Rates for Seniors in Lincoln? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Lincoln? (FAQ)
- Who Has Affordable Lincoln Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)