1992 Audi 100 Insurance Cost

Want cheaper insurance rates for your Audi 100? If price shopping insurance online is new to you, you may be overwhelmed by the large number of insurance companies offering coverage.

How to Get Insurance Coverage Comparison Quotes

All the larger insurance coverage companies give price estimates directly from their websites. This process doesn’t take a lot of time as you just enter your required coverages as detailed in the form. After you complete the form, their rating system gets your driving record and credit report and returns pricing information based on many factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find the lowest insurance coverage rates.

The easiest way to compare insurance coverage pricing requires only one form to obtain quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier. Immediately after submitting the form, your coverage is rated and you can select any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.

To find out what other companies charge, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you type in the coverages as close as possible to your current policy. This ensures you’re receiving rate quotes for the exact same coverage.

Can switching companies really save?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make an identical promise that you’ll save big if you switch your policy. How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the driver that makes them money. An example of a driver they prefer might be profiled as over the age of 40, has no prior claims, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t measure up to this ideal profile must pay higher prices and this can result in business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That is how companies can state the savings. This illustrates why drivers must compare many company’s rates. It’s not possible to predict which insurance companies will give you the biggest savings on Audi 100 insurance.

Are you getting all your discounts?

Car insurance companies don’t always list every available discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies with discount auto insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might help in determining if your situation will benefit from professional help.

  • Will filing a claim cost me more?
  • If my pet gets injured in an accident are they covered?
  • Should I put collision coverage on all my vehicles?
  • I have a DUI can I still get coverage?
  • When should I drop full coverage on my 1992 Audi 100?
  • Am I covered when driving a rental car?
  • What is high-risk coverage and where do I buy it?
  • What is roadside assistance coverage?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Specific coverages for an Audi 100

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi 100.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like dental work, EMT expenses, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This protects you from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, bail bonds, loss of income, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage protection

This will pay to fix damage to your 100 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Be Smart and Buy Smart

We just covered a lot of techniques to get a better price on 1992 Audi 100 insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the smallest insurance companies.

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Consumers switch companies for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, denial of a claim or being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

Additional information