1991 Audi 90 Insurance Rates

Searching for cheaper insurance for a new or used Audi 90 can turn out to be a lot of work, but you can use these tips to find lower rates. There is a better way to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Audi and locate the lowest price from local insurance agents and online providers.

Smart consumers know how to get insurance for less

Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as whether you are married or your commute time.

The items below are some of the things insurance companies consider when setting your prices.

  • Five star IIHS safety rating saves money – Safer cars can get you lower premiums. Vehicles built for safety reduce injuries and better occupant protection means less claims paid which can mean better rates for you. If your Audi 90 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Amount of liability – Your insurance policy’s liability coverage will protect you when you are found to be at fault for an accident. It will provide for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Bad credit hurts insurance rates – Your credit score is likely to be a major factor in calculating your insurance rates. People with excellent credit tend to be less risk to insure than drivers who have bad credit. So if your credit could use some work, you could potentially save money when insuring your 1991 Audi 90 by improving your rating.
  • Women pay lower premiums – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Males and females get in accidents in similar numbers, but males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.

Take advantage of every insurance discount

Some insurance providers don’t always list every possible discount in a way that’s easy to find, so the list below contains some of the more common and the harder-to-find discounts that you may qualify for.

  • Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on insurance.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the PIP or medical payment premium.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same company can reduce the rates for all insured vehicles.
  • Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company you may earn over 10 percent off each policy depending on the company.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Popular insurance companies and their possible discounts can be read below.

  • GEICO includes discounts for driver training, daytime running lights, defensive driver, seat belt use, and good student.
  • Auto-Owners Insurance offers discounts for teen driver, air bags, anti-lock brakes, paperless, and student away at school.
  • American Family may include discounts for Steer into Savings, mySafetyValet, good driver, good student, and defensive driver.
  • Esurance has savings for Pac-12 alumni, anti-theft, DriveSense, good driver, anti-lock brakes, safety device, and emergency road assistance.
  • Progressive may offer discounts for good student, homeowner, online quote discount, multi-vehicle, multi-policy, online signing, and continuous coverage.
  • State Farm may have discounts that include multiple policy, passive restraint, Steer Clear safe driver discount, multiple autos, safe vehicle, accident-free, and driver’s education.
  • AAA policyholders can earn discounts including pay-in-full, multi-car, good driver, multi-policy, anti-theft, education and occupation, and good student.

If you need cheap car insurance quotes, ask every insurance company which discounts you qualify for. All car insurance discounts may not be offered in your area. To find insurance companies who offer online insurance quotes, click this link.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t escape the ads that promise big savings by companies like Allstate, GEICO and Progressive. They all advertise the message that you can save if you just switch to their company.

It sounds good, but how can they all make almost identical claims? It’s all in how they say it.

All companies have specific criteria for the right customer that will most likely be profitable. For instance, this type of insured might be between the ages of 30 and 50, has had continuous coverage, and drives less than 7,500 miles a year. Someone who fits that profile will get very good car insurance rates and will also pay quite a bit less when switching companies.

Insureds who fall short of the “perfect” profile will see a higher rate which leads to business going elsewhere. The wording the ads use say “drivers that switch” not “all people who quote” save money. That’s why companies can make claims like that. Because of these techniques, you need to compare quotes as often as possible. Because you never know which insurance coverage company will be your best fit.

How to know if you need help

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Do I need rental car coverage?
  • Does insurance cover tools stolen from my truck?
  • Am I insured when driving a different vehicle?
  • Is my camper covered by my car insurance policy?
  • When should I not file a claim?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverages explained

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi 90.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance – This protects you from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, medical services, pain and suffering and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses such as chiropractic care, prosthetic devices, dental work, hospital visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – Collision insurance covers damage to your 90 from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, theft, falling objects, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Online plus local equals savings

When searching for the cheapest car insurance quotes, it’s a bad idea to buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

You just read a lot of techniques to shop for 1991 Audi 90 insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the best prices are with the least-expected company.

Cheaper car insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these regional carriers sell through local independent agencies.

More tips and info about car insurance is located in the articles below:

Comments About 1991 Audi 90 Insurance

  1. Glenn Hurley

    Like your site, BTW. I live on the east side of Aurora, IL. Quoted a bunch of companies. Saved about $20 a month. Progressive was the most affordable for me. Insured with MetLife before. I get lower rates because of my clean driving record. Just waiting to see how claims go. Full coverage costs too much.

  2. Marlene Love

    I’ve bought from Allstate forever. Cheapest rates in Dover, DE.

  3. Shyla Landry

    Great info, thanks for posting. Went with Nationwide for my 90 and cut my rates about $60 a year. Left Allstate to switch. I got a quote from their website. My 90 doesn’t have full coverage.

  4. Kristy Compton

    Need cheaper insurance rates for my teenage driver in Jersey City, New Jersey!!

  5. Thomasine Tyler

    I chose to switch to Progressive from American Family. I live in Overland Park, KS. Was with Encompass. I even had a DUI years ago. Bought it from an online quote.

  6. Frida Nichols

    21st Century is decent in Hartford, CT.

  7. Elizabet Walton

    I’ve bought from Allstate forever. Cheapest rates in Oklahoma City, Oklahoma.

  8. Hettie Horton

    Went with Liberty Mutual for my 90 and saved around $60 a year. Left American Family to switch. A clean driving record helps. I recommend comparing lots of rates.

  9. Sigrid Hood

    Where can I find cheaper car insurance in Manchester, NH?

  10. Juli Brady

    From northwest of Salem, OR. I quoted with AIG Insurance, MetLife, and Travelers for my 90 and I think I saved around $20 each month. Even increased my liability limits. Highly recommended.

  11. Verdie Mayo

    Not sure what I should be paying. Checking in from Honolulu, HI. Quoted with AIG Insurance, Mercury, and Travelers for my 90 and I’m now saving $21 a month. I have kids on my policy, too. Can still barely afford it.

  12. Jayson Haney

    From northwest of Buffalo, NY. Received quotes with Progressive, Esurance, and GMAC for my 1991 Audi 90 and saved $65 a year. Was with Erie. Even increased coverage a bit. It’s easy to compare rates online now.

  13. Charlie Sampson

    I’m looking for cheaper coverage. Found cheapest coverage with Nationwide for my 90 and saved about $80 a year. Insured with Amica before. When should I drop full coverage?

  14. Mira Ferrell

    This is too expensive. Live in Fayetteville, AR. I got free prices from State Farm, Eastwood, and Liberty Mutual for my Audi and am saving around $110 a year. Have a couple speeding tickets too. It’s too old for full coverage.

  15. Vaughn Kline

    I live just outside San Jose, CA. I got free quotes with GMAC, AAA, Safeco, and a couple others for my 1991 Audi 90 and saved just over $60 a year. Got better coverage too. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.