Cheap 1991 Audi Coupe Insurance Quotes

Sick and tired of scraping the payment together to insure your Audi every month? You are in the same boat as many other people. Since people have many options, it’s difficult to find the lowest cost insurance provider.

How much does insurance coverage cost?

Shopping for lower insurance coverage rates can be a lot of work if you don’t understand the easiest way. You can waste hours talking to agents in your area, or you could use the internet to get rates in a matter of minutes.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and each participating company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to using this type of system is you cannot specify the companies you want to price. So if you want to choose from a list of companies to compare prices, we put together a list of insurance coverage companies in your area. Click to view list.

Compare rates however you want, just ensure you are comparing the exact same quote data with each company. If your comparisons have different liability limits you will not be able to get a fair rate comparison.

Get lower-cost car insurance rates with discounts

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so we break down a few of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit possible, you’re paying more than you need to.

Paperless Signup – Many insurance companies will provide an incentive shop car insurance on the internet.
Telematics Data – Drivers that enable driving data collection to analyze driving manner by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.
Defensive Driver Discounts – Successfully completing a driver safety course may get you a small discount and also improve your driving technique.
Military Discounts – Having a deployed family member can result in better premium rates.
New Car Discount – Insuring a vehicle that is new can save up to 30% since newer models have better safety ratings.
ABS Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% on Coupe insurance than their less cautious counterparts.
Multiple Policy Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

To find insurance companies that can offer you the previously mentioned discounts, click this link.

Find cheaper auto insurance with these tips

Many things are taken into consideration when quoting car insurance. Some are obvious like an MVR report, although some other factors are more obscure such as your credit history or your financial responsibility.

Older drivers pay less – Older insureds are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are known to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
Is your vehicle theft-ready? – Driving a car that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
Always have auto insurance – Driving your car without having proper coverage is a big no-no and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
Location can impact price – Having an address in areas with lower population can save you money when buying auto insurance. People in densly populated areas have to deal with more auto accidents and higher rates of accident claims. Less people living in that area means reduced accidents.
Safety ratings are a factor – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety protect occupants better and better occupant protection means less claims paid passed on to you as lower rates. If your Audi scored at minimum four stars on Safercar.gov you may qualify for a discount.
Traffic violations hurt – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can increase rates by twenty percent. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers who have gotten dangerous tickets such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.
Gender as a rate factor – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Males and females cause accidents at about the same rate, but the males get into accidents with more damage. Men also tend to receive more costly citations like reckless driving and DUI. Male teenagers are the most expensive to insure so it costs more to insure them.
Fewer miles means better rates – The more you drive your Audi each year the higher the price you pay to insure it. Most insurance companies calculate rates based on their usage. Cars that are left in the garage cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your vehicle rating properly reflects the right rating data. An improperly rated Coupe can cost quite a bit.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

When do I need to add a new car to my policy?
Should I buy only the required minimum liability coverage?
Am I covered when driving in Canada or Mexico?
Is rental equipment covered for theft or damage?
Does coverage extend to a rental car in a foreign country?
Do I have coverage when using my vehicle for my home business?
How can I force my company to pay a claim?
Does my policy cover my teen driver if they drive my company car?
How does medical payments coverage work?
Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, hail damage, hitting a bird, falling objects and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, attorney fees and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, surgery, ambulance fees, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your Coupe resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Save for a rainy day

More affordable auto insurance is possible online as well as from independent agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide price quotes online and usually these regional carriers work with local independent agencies.

In this article, we presented a lot of information how to save on 1991 Audi Coupe insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier. They can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.