Save on 1990 Audi 200 Insurance Quotes

Looking for better insurance coverage rates for your Audi 200? Buying the lowest cost insurance coverage over the internet is somewhat difficult for beginners to buying insurance online. Since there are so many online companies available, how can you possibly compare them all to find the best pricing?

How to Compare Insurance Coverage Quotes

There are several ways of comparing price quotes from local insurance coverage companies. The recommended way to compare 1990 Audi 200 insurance prices consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for multiple quote forms for each company you want a rate for. Just one form gets you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to compare rate quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Farmers, Liberty Mutual and Allstate. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples deductibles and coverage limits on every quote. If each company quotes differing limits it will be next to impossible to determine the lowest rate for your Audi 200. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting better pricing.

These discounts can slash auto insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Most are applied at the time of purchase, but a few must be inquired about before they will apply.

  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask every prospective company how you can save money. Savings may not apply everywhere.

When might I need the advice of an agent?

When buying the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is UM/UIM insurance?
  • Is a fancy paint job covered?
  • Do I have coverage for damage caused while driving under the influence?
  • Where can I find DUI or SR-22 insurance?
  • Should I buy additional glass protection?
  • What is covered by UM/UIM coverage?
  • When do I need to add a new car to my policy?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Understanding the coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Collision insurance

Collision insurance pays for damage to your 200 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, damaging your car on a curb, sideswiping another vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, dental work, ambulance fees, chiropractic care and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, fire damage and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, 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 can pay for claims like legal defense fees, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.