1991 Audi 100 Insurance Quotes – 10 Tips to Save

When trying to find lower-cost insurance, are you intimidated by the sheer number of car insurance companies? Lot’s of other drivers are too. You have such a vast assortment of companies available that it can really be a chore to find the best car insurance rates.

Insurance Coverage Discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but once in a while a discount must be inquired about prior to receiving the credit.

  • Braking Control Discount – Vehicles equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
  • Save over 55 – Drivers that qualify as senior citizens may qualify for lower premium rates on 100 coverage.
  • E-sign Discounts – A few insurance coverage companies give back up to $50 just for signing your application online.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students until age 25.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts can receive discounts as much as 30%.
  • Professional Organizations – Participating in a professional or civic organization may earn a discount on your next insurance coverage statement.
  • Claim Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Low Miles Discount – Low mileage vehicles can earn lower premium rates on the low mileage vehicles.
  • Renewal Discounts – Some insurance coverage companies provide a discount for buying a new policy early. Ten percent is about the average savings.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way.

Large insurance coverage companies and some of the premium reductions they offer are shown below.

  • American Family has discounts for mySafetyValet, bundled insurance, multi-vehicle, air bags, and Steer into Savings.
  • Nationwide includes discounts for good student, business or organization, Farm Bureau membership, multi-policy, and family plan.
  • MetLife offers premium reductions for good student, defensive driver, good driver, accident-free, and claim-free.
  • 21st Century discounts include early bird, good student, homeowners, driver training, and defensive driver.
  • Farmers Insurance offers discounts for early shopping, alternative fuel, multi-car, good student, business and professional, youthful driver, and bundle discounts.
  • Allstate offers discounts including premier discount, EZ pay plan discount, premier plus, eSmart discount, anti-theft, and senior citizen.

Double check with every prospective company how many discounts you can get. Discounts may not be offered in your area. To choose companies that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my 1991 Audi 100 is totaled, can I afford another vehicle?
  • What is high-risk coverage and where do I buy it?
  • Do I have any recourse if my insurance company denies a claim?
  • Does liability extend to a camper or trailer?
  • Will filing a claim cost me more?
  • Are rock chip repairs covered?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

The insurance coverage bait and switch

Companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies convey the message about saving some big amount if you switch to their company. How is it possible that every company can sell you cheaper insurance coverage? This is the trick they use.

Most companies have specific characteristics for the type of customer that earns them a profit. One example of a profitable customer may be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. Anyone who fits that profile receives the best prices and will also save a lot of money.

Potential customers who don’t measure up to these criteria will be charged a higher rate which usually ends up with business not being written. The ad wording is “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully advertise the savings. Because of the profiling, it is so important to do a price quote comparison at every renewal. It is impossible to predict which insurance coverage company will have the best prices for your profile.

Specific coverage details

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance will pay to fix damage to your 100 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability

This can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability 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 total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, loss of income, court costs, bail bonds and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, chiropractic care, funeral costs and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Audi 100.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hitting a deer, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

And the best car insurance company is…

We just showed you some good ideas how to lower your 1991 Audi 100 insurance prices. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost car insurance. Drivers may discover the best prices are with some of the lesser-known companies.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Insureds switch companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, high prices and policy non-renewal. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Additional information