1994 Audi 100 Car Insurance Rates – 6 Tips to Save

Purchasing low-cost insurance coverage over the internet can seem to be impossible for consumers new to buying insurance on the web. With so many insurers to choose from, how can consumers effectively compare every company to locate the best pricing?

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. The purpose of this post is to help educate you on how car insurance quotes work and some tips to save money. But consumers need to have an understanding of the way companies price insurance differently.

Compare Quotes for Auto Insurance

There are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the cheapest 1994 Audi 100 insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  1. One of the best ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating boring form submissions for each company you want a rate for. One simple form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to get comparison quotes requires visiting the website of each company to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Progressive, 21st Century and Allstate. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you’re using the exact same deductibles and coverage limits with every price quote. If you are comparing different values for each quote then you won’t be able to determine the best price for your Audi 100. Slightly different limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting better pricing.

Cut your premium with these six discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on 100 coverage than less cautious drivers.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Save over 55 – Mature drivers may qualify for reduced rates on 100 coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • College Student – Kids in college who live away from home and don’t have a car can receive lower rates.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, insurance companies aren’t that generous.

A partial list of companies who might offer these money-saving discounts include:

Check with every prospective company what discounts are available to you. Some discounts might not apply everywhere.

What is the best insurance coverage?

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Is my nanny covered when driving my vehicle?
  • What is the minimum liability in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does car insurance cover theft of personal property?
  • How much can I save by bundling my policies?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, ambulance fees, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

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

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like emergency aid, medical services and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage on a shoestring budget

People leave their current company for any number of reasons including being labeled a high risk driver, policy cancellation, delays in responding to claim requests or questionable increases in premium. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Discount 1994 Audi 100 insurance can be bought both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured dropped physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage can be found at the links below