Compare 1991 Audi 100 Car Insurance Quotes

Want the cheapest insurance rates? Drivers have a choice when trying to find low-cost Audi 100 insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to compare rates.

There is a better way to find insurance online and you need to know the best way to price shop coverage on a Audi and find the best price possible from local insurance agents and online providers.

If you have a current insurance policy or are just looking to switch companies, you can use these tips to find better prices while maintaining coverages. This article will help you learn the most effective way to quote insurance. Drivers just need to understand the tricks to compare rates on the web.

Free Quotes for Car Insurance

There are a variety of methods you can shop for 1991 Audi 100 car insurance but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and every company returns a competitive quote based on that data. This saves time by eliminating quote requests to each company.

To compare 1991 Audi 100 rates now click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose the companies you want pricing from. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using the exact same coverage information on every quote you get. If you are comparing higher or lower deductibles it will be impossible to truly determine the lowest rate.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be requested specifically in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on 100 insurance with certain companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Drive Less and Save – Fewer annual miles on your Audi can qualify you for discounted rates on garaged vehicles.
  • 55 and Retired – Older drivers can possibly qualify for better car insurance rates on 100 insurance.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will bring down your premiums.

For a list of insurance companies offering car insurance discounts, click here.

Some factors that can determine what Audi 100 insurance costs

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with better insurance rates.

Shown below are some of the items companies use to determine rates.

  • Occupation reflects on rates – Occupations such as real estate brokers, executives and stock brokers have the highest rates due to job stress and lengthy work days. On the other hand, jobs such as scientists, students and the unemployed get better rates on 100 insurance.
  • Discounts for multiple policies – The majority of insurance companies give discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can buy when buying insurance. Coverages for vanishing deductibles, towing coverage and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out if you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Is a blown tire covered by insurance?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving someone else’s vehicle?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Don’t believe everything you hear

Drivers constantly see and hear ads for cheaper car insurance by companies like Allstate, GEICO and Progressive. They all seem to have a common claim that you can save if you move to them.

But how can every company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as a mature driver, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential insureds who fall outside these standards will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can claim big savings.

Because of the profiling, drivers should compare many company’s rates. You cannot predict which company will have the lowest Audi 100 insurance rates.

Auto insurance specifics

Understanding the coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This pays for damage to your 100 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi 100.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like nursing services, chiropractic care and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 like a tree branch falling on your vehicle, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Insureds switch companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, policy non-renewal and even high prices. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Budget-conscious 1991 Audi 100 insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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