Lower Your 1993 Audi 100 Insurance Quotes

Trying to come up with a payment for overpriced car insurance can bleed your family’s budget and put a big crunch on your finances. Performing a rate comparison is free and is an excellent way to lower your bills every month.

Insurance companies such as Geico, Progressive and Allstate all claim big savings with advertising and it is difficult to ignore the propoganda and take the time to shop coverage around.

How to buy auto insurance online

When shopping for auto insurance there are multiple ways to get quotes from auto insurance companies in your area. The easiest way by far to comparison shop is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form keeps you from doing multiple quote forms to each individual auto insurance company. Filling out one form will return quotes from many national carriers.
  2. Another way to analyze rates requires a trip to the website for each individual company and repeat the quote process again and again. For example, we’ll assume you need rates from Farmers, Progressive and Geico. To find out each rate you need to go to every website and enter your policy data, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way to compare price quotes is driving around to all the different insurance agencies. Comparing rate quotes online has made agencies unnecessary unless your situation requires the professional advice that you can only get from talking to an agent. However, consumers can find lower rates online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just make darn sure you compare nearly identical coverage information with each company. If you enter different deductibles it’s impossible to make a fair rate comparison. Having just a slight variation in limits may cause a big price difference. And when comparison shopping, comparing more company’s prices helps locate more affordable rates. Not every company provides online quotes, so it’s necessary to compare rates on coverage from those companies, too.

Find discounts on insurance coverage

Companies do not advertise every policy discount very clearly, so the below list has both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • Distant Student Discount – who live away from home at college and don’t have a car could get you a discount.
  • Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles on a single policy could earn a price break for each car.
  • Military Deployment Discount – Having a deployed family member may lower your prices slightly.
  • Passive Restraints – Cars that have air bags could see savings of 25 to 30%.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
  • Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates for 100 insurance than drivers with accident claims.
  • Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer models keep occupants safer.
  • Payment Discounts – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.

Just know that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large insurance coverage companies and a summarized list of policyholder discounts include:

  • State Farm offers discounts including driver’s education, good student, student away at school, Drive Safe & Save, and safe vehicle.
  • American Family includes discounts for multi-vehicle, TimeAway discount, bundled insurance, early bird, air bags, and defensive driver.
  • AAA may have discounts that include pay-in-full, multi-policy, good driver, AAA membership discount, good student, and multi-car.
  • Geico policyholders can earn discounts including military active duty, multi-policy, good student, anti-lock brakes, and air bags.
  • Mercury Insurance discounts include location of vehicle, type of vehicle, multi-policy, ease of repair, good student, anti-theft, and accident-free.
  • Farmers Insurance offers premium reductions for multi-car, business and professional, alternative fuel, good student, mature driver, and pay in full.
  • Progressive may offer discounts for online signing, multi-policy, continuous coverage, online quote discount, multi-vehicle, good student, and homeowner.

Check with each company which discounts you may be entitled to. Some discounts listed above may not apply to policies in your state. To see a list of insurance coverage companies that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if you will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Is my babysitter covered when using my vehicle?
  • Is upholstery damage covered by car insurance?
  • Should I get collision insurance on every vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive auto insurance – This pays to fix your vehicle from 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 coverage protects against things like a broken windshield, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of 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 policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, bail bonds, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses such as surgery, X-ray expenses, nursing services, ambulance fees and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.