Save on 1990 Audi 80 Insurance Cost

Want better insurance coverage rates for your Audi 80? Having to pay for overpriced insurance coverage can dwindle your checking account, especially in this economy. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Many insurance companies compete for your business, so it’s not easy to compare every company to find the absolute cheapest price

Discounts mean cheaper Audi 80 insurance rates

Companies don’t always list every discount very clearly, so we break down some of the best known and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.

  • Auto/Home Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Own a Home – Owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of insurers who offer auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Should I have combined single limit or split liability limits?
  • Can my teen drive my company car?
  • How can I get high-risk coverage after a DUI?
  • What discounts do I qualify for?
  • Does my personal policy cover me when driving out-of-state?
  • Is my state a no-fault state?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

The coverage is in the details

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Liability auto insurance – This coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, court costs, pain and suffering, funeral expenses and legal defense fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1990 Audi 80.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, hail damage, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This covers damage to your 80 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, prosthetic devices, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

More quotes. Lower rates.

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, an insured cut collision coverage only to find out that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

In this article, we covered many ways to save on 1990 Audi 80 insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Additional information is available at the links below