Save on 1991 Audi 100 Insurance Cost

Searching for lower auto insurance rates for your Audi 100? Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the cheapest price

Compare Quotes for Insurance

To find the best insurance prices, there are several ways to compare rate quotes and find the best price. The best way to find the lowest 1991 Audi 100 rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing a different quote to each individual insurance company. In just a few minutes this one form gets you coverage quotes from all major companies.
  2. A more difficult way to analyze rates requires visiting the website of each company and complete a new quote form. For sake of this example, let’s assume you want to compare rates from Progressive, Allstate and GMAC. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient method to get comparison rates is driving around to insurance agents’ offices. The internet makes this process obsolete unless you prefer the professional advice of a local agent. You can, however, obtain prices from the web but buy from a local insurance agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles for every company. If you compare unequal deductibles or liability limits it will be very difficult to find the best deal for your Audi 100. Slightly different insurance coverages may result in large price differences. Keep in mind that comparing a large number of companies will enable you to find lower pricing.

How to save on Audi 100 insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for prior to getting the savings.

  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when buying insurance coverage on 100 insurance.
  • 55 and Retired – Mature drivers may receive a discount up to 10% on 100 insurance.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on 100 insurance with select insurance companies.

Drivers should understand that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any amount of discount will cut your overall premium however.

Companies that may have these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in your area.

Audi 100 insurance premiums are calculated by many factors

An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with better car insurance rates.

The list below includes a partial list of the pieces car insurance companies consider when setting rates.

  • Pay less after the wedding – Having a spouse can actually save you money on your car insurance policy. Having a spouse usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Liability coverage protects you – Your policy’s liability coverage will protect you if you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Where do you drive? – Driving more miles every year the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates compared to those used for work or business. Improper usage on your 100 may be costing you. Double check that your car insurance coverage properly reflects the proper vehicle usage.
  • Men fork out a little more – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes have accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Add-on coverages can add up – There are a ton of extra coverages that can waste your money on your car insurance policy. Things like vanishing deductibles, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don’t need them remove them from your policy.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • How high should my medical payments coverage be?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the minimum liability in my state?
  • I have health insurance so do I need medical payments coverage?
  • What exactly is covered by my policy?
  • Where can I find high-risk insurance?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Coverage for liability – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use 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 court costs, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, chiropractic care, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, theft, vandalism and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your 100 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Never pay more for less

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 a lot of situations where someone dropped comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to reduce 1991 Audi 100 insurance prices online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best price on auto insurance is with the smaller companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

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