Compare 1991 Audi 80 Car Insurance Quotes

Searching for better auto insurance rates for your Audi 80? Scraping up a payment for high-priced Audi 80 insurance can diminish your savings account and force you to cut corners elsewhere.

Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest price

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates is quite easy. But drivers must learn the methods companies use to market on the web.

Cheap auto insurance price quotes

Most companies such as Geico, State Farm and Progressive make it easy to get prices for coverage on their websites. Getting online quotes is fairly simple because it’s just a matter of typing in the amount of coverage you want into the form. After you complete the form, the system obtains credit information and your driving record and returns a price determined by many factors. Quoting online simplifies rate comparisons, but having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes in order to get the best price on auto insurance.

Quote rates the easy way

The quickest way to compare auto insurance pricing uses one simple form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online price comparison much more efficient. After sending the form, it gets priced and you can choose any one of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

In order to compare rates using this form now, click here to open in new window and enter your information. To compare your current rates, we recommend you enter the insurance coverages as close as possible to your current policy. This helps ensure you will be getting rate comparison quotes for similar coverage.

Insurance ads bend the truth

Popular insurance providers such as Geico, State Farm and Progressive regularly use ads in print and on television. They all seem to state the claim about saving some big amount if you change to them. How is it possible that every company can give you a lower rate? It’s all in the wording.

Insurance companies give the cheapest rates for the right customer that is profitable for them. For example, this type of risk profile may need to be a married female, has other policies, and drives a lower-performance vehicle. Someone who meets those qualifications will get the preferred car insurance rates and will save quite a bit of money when switching.

Potential insureds who are not a match for those criteria will be quoted higher rates which leads to the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save that much money. This is how companies can make it sound like they have such great prices. That is why you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will fit you best based on your risk profile.

Slash your insurance rates with discounts

Car insurance is not cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Some trigger automatically when you get a quote, but less common discounts must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount available, you are throwing money away.

• Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates on 80 insurance than drivers with accidents.
• Government Employee Discount – Active or retired federal employment could cut as much as 10% off on 80 insurance with select insurance companies.
• Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
• Good Students Pay Less – Excelling in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
• Online Discount – A handful of larger companies may give you up to $50 for buying your policy on their website.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

A list of companies and the discounts they provide are detailed below.

• Farm Bureau offers discounts including 55 and retired, renewal discount, safe driver, youthful driver, and good student.
• MetLife policyholders can earn discounts including good driver, claim-free, multi-policy, accident-free, and good student.
• Progressive may have discounts that include online signing, homeowner, continuous coverage, multi-vehicle, good student, and multi-policy.
• AAA includes discounts for education and occupation, good student, good driver, anti-theft, multi-car, AAA membership discount, and pay-in-full.
• American Family may offer discounts for multi-vehicle, Steer into Savings, TimeAway discount, good student, and early bird.
• Geico discounts include seat belt use, air bags, multi-vehicle, five-year accident-free, daytime running lights, and driver training.
• State Farm offers premium reductions for good student, good driver, passive restraint, safe vehicle, driver’s education, and Drive Safe & Save.

When quoting, ask every insurance company how many discounts you can get. Some discounts listed above may not apply in your area. If you would like to see a list of insurance companies that offer discounts, follow this link.

You are unique and your insurance coverage should be too

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Do I need medical payments coverage since I have good health insurance?
• Is my teen driver covered when they drive my company car?
• Does my 1991 Audi 80 need full coverage?
• Do I have coverage when making deliveries for my home business?
• Does my personal policy cover me when driving out-of-state?
• Do I need rental car coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverages for a 1991 Audi 80

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like dental work, prosthetic devices, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to 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 and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, loss of income, medical expenses, pain and suffering and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your 80 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi 80.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Don’t be a big spender

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced physical damage coverage only to find out that they should have had better coverage. Your goal is to get the best coverage possible at an affordable rate.

Budget-friendly car insurance is attainable on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies may not have the ability to get quotes online and these small, regional companies only sell through local independent agents.

You just learned many tips how you can reduce 1991 Audi 80 insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers may even find the most savings is with some of the lesser-known companies. They may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate, Geico and Progressive.

Even more information can be read by following these links:

• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Teen Driving Statistics (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)