1991 Audi 80 Insurance Quotes

Drivers have options when trying to find the lowest priced Audi 80 insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates and you need to know the quickest way to quote coverages for a Audi and get the lowest possible price from both online companies and local agents.

Finding Insurance Coverage

All the larger insurance coverage companies like 21st Century, Allstate and State Farm provide coverage price quotes on their websites. This process doesn’t take a lot of time as you just enter your coverage preferences as detailed in the form. When the form is submitted, the company’s rating system collects information on your driving record and credit history and quotes a price based on many factors.

This streamlines rate comparisons, but having to visit a lot of sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find the best price possible.

The quickest way to find cheaper rates uses one simple form that analyzes rates from many companies. This type of form saves time, eliminates repetitive work, and makes price shopping online a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and may save quite a bit of money.

If you want to compare pricing, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you complete the form with your coverages exactly as shown on your declarations page. This way, you will have an apples-to-apples comparison for the exact same coverage.

Best discounts on 1991 Audi 80 coverage

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Own a Home – Owning a home can help you save on insurance because of the fact that having a home requires personal responsibility.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • E-sign – A few companies will give a small break just for signing your application on their website.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on 80 insurance than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurance companies with the best insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Should I have a commercial auto policy?
  • Is my trailer covered?
  • If my 1991 Audi 80 is totaled, can I afford another vehicle?
  • Am I covered if I hit a deer?
  • Do all my vehicles need collision coverage?
  • What is an SR-22 filing?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, funeral costs and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Audi 80.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by 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. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, theft and damage from flooding. The highest amount 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 it’s not worth carrying full coverage.

Collision coverage

This covers damage to your 80 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

In this article, we presented some good ideas how you can save on 1991 Audi 80 insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

The cheapest insurance can be found on the web in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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