Compare 1990 Audi 80 Car Insurance Rates

Did budget coverage turn out to be an expensive insurance policy? It’s a common feeling and you are not the only one feeling buyer’s remorse. Because there are so many options when it comes to insurance, it’s difficult to pick the lowest price insurer.

The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Drivers just need to learn the most efficient way to get comparison rates online.

Insurance policy discounts

Car insurance companies don’t list every policy discount very clearly, so below is a list some of the best known and also the more inconspicuous credits that you can use to lower your rates. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

  • Home Ownership Discount – Owning your own home or condo can save you money because maintaining a house demonstrates responsibility.
  • Multiple Policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less on 80 coverage than drivers with accident claims.
  • Life Insurance Discount – Select companies reward you with a discount if you purchase life insurance from them.
  • Lower Rates for Military – Being on active duty in the military can result in better premium rates.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Paperless Signup – Many insurance companies will give a small break get insurance coverage on your computer.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works.

The best insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm may include discounts for passive restraint, anti-theft, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, and accident-free.
  • Progressive has savings for good student, online quote discount, online signing, homeowner, continuous coverage, and multi-vehicle.
  • Travelers discounts include new car, continuous insurance, payment discounts, save driver, driver training, and home ownership.
  • American Family may have discounts that include Steer into Savings, accident-free, good student, TimeAway discount, bundled insurance, and early bird.
  • Liberty Mutual offers premium reductions for new move discount, multi-policy, good student, teen driver discount, hybrid vehicle, and newly married.

When comparing rates, check with every company what discounts are available to you. Savings might not apply in your area. To see companies who offer free insurance quotes, follow this link.

Why your insurance rates might be higher

Lots of factors are part of the equation when quoting car insurance. Some are obvious like an MVR report, but some are more transparent such as whether you are married or your vehicle rating.

  • Bad driving leads to higher prices – Having a single citation can boost insurance rates forty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers unfortunate enough to have careless violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Reduce insurance rates by driving safer cars – Vehicles that have high safety ratings get lower rates. Vehicles built for safety result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Audi 80 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Are you male or female? – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Men and women cause auto accidents in similar percentages, but men have costlier accidents. They also receive more major tickets like reckless driving and DUI.
  • Getting married brings a discount – Having a spouse may cut your premiums on your insurance bill. Having a spouse usually means you are more mature and it’s proven that married drivers tend to have fewer serious accidents.
  • Annual mileage and car insurance premiums – The more miles you rack up on your Audi in a year’s time the more you’ll pay to insure it. A lot of companies apply a rate based on their usage. Cars and trucks that do not get driven very much receive better premium rates than vehicles that have high annual mileage. An incorrectly rated 80 can cost quite a bit. Ask your agent if your insurance declarations sheet is showing the correct driver usage.

How do I know if I need professional advice?

When buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered when pulling a rental trailer?
  • Can I afford low physical damage deductibles?
  • What are the best liability limits?
  • Will my insurance pay for OEM parts?
  • Why do I need rental car insurance?
  • What if I owe more than I can insure my car for?
  • At what point should I drop full coverage?
  • Am I covered when driving on a suspended license?
  • Am I covered if hit by an uninsured driver?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a bird, a broken windshield and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Audi 80.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Collision coverage

This covers damage to your 80 caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as dental work, hospital visits, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages

This coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Saving money makes a lot of cents

We covered a lot of information how to reduce 1990 Audi 80 insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

Lower-priced insurance coverage can be sourced online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer rate quotes online and these small, regional companies only sell through independent agents.

More detailed insurance coverage information is located by following these links: