Lower Your 1993 Audi 90 Insurance Rates

Are you confused by the crazy number of insurance choices? You have a lot of company. Drivers have so many choices that it can turn into a challenge to find better rates.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. But vehicle owners do need to understand how insurance companies market insurance on the web and use this information to your advantage.

Quick Insurance Quotes

There are several ways to compare Audi 90 insurance prices but some are more efficient than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

All the larger companies take part in a program where insurance shoppers enter their coverage request one time, and each company returns a competitive quote based on that information. This system prevents you from having to do quotation requests for each company.

To submit your quote information now, click here to start a free quote.

One minor caviat to pricing coverage this way is you are unable to specify which companies to receive prices from. If you would rather choose specific providers to compare, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using exactly the same deductibles and coverage limits on every quote. If your comparisons have mixed coverages you will not be able to truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. Just remember that quoting more gives you a better chance of getting a better price.

Verify you’re getting all your discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break when buying insurance coverage for 90 insurance.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for 90 insurance with select insurance companies.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • No Claims – Claim-free drivers pay much less when compared with bad drivers.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies that may have these benefits may include but are not limited to:

Double check with each insurance company how you can save money. Savings may not be available in your state.

When should I talk to an agent?

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Will filing a claim cost me more?
  • Am I covered when driving on a suspended license?
  • Should I rate my 1993 Audi 90 as pleasure use or commute?
  • What is no-fault insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as funeral costs, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed and a broken windshield. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1993 Audi 90.

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.

Liability insurance – Liability coverage will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical services, emergency aid and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.