1992 Audi 100 Insurance Quotes – 6 Tips to Save

Being forced to pay for overpriced insurance coverage premiums can take a big chunk out of your budget and possibly require you to analyze your spending habits. Doing a price comparison can help to tighten up your finances.

Because there are so many companies to choose from, it’s difficult to locate the lowest cost insurer.

It is always a good idea to compare rates before your next renewal since insurance prices are constantly changing. Even if you think you had the best rates on 100 insurance at your last renewal you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance coverage because you’re going to learn the proper way to find lower rates on insurance coverage.

The most recommended method to get rate comparisons is to realize auto insurance companies pay for the opportunity to compare their rates. To begin a comparison, all you need to do is provide a small amount of information including what you do for a living, types of safety features, if you require a SR-22, and how many miles driven. The data is then submitted to insurance carriers in your area and they return cost estimate within a short period of time.

Insurance discounts help lower rates

Car insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so we researched a few of the more well known and also the lesser-known credits that you can use to lower your rates.

  • Passive Restraint Discount – Options like air bags or automatic seat belts can get savings of up to 25% or more.
  • Homeowners Savings – Being a homeowner can get you a discount because it demonstrates responsibility.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Good Student Discount – A discount for being a good student may save you up to 25%. The good student discount can last well after school through age 25.
  • Memberships – Being a member of qualifying employment or professional organizations can get you a small discount on your bill.
  • Defensive Driver Discount – Participating in a class that teaches defensive driving techniques could possibly earn you a 5% discount if your company offers it.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of coverage.

Popular insurance companies and a selection of discounts are detailed below.

  • State Farm includes discounts for driver’s education, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, passive restraint, and anti-theft.
  • Progressive may offer discounts for good student, homeowner, multi-vehicle, continuous coverage, and online signing.
  • Travelers discounts include new car, save driver, driver training, continuous insurance, and IntelliDrive.
  • American Family may have discounts that include early bird, Steer into Savings, defensive driver, bundled insurance, and TimeAway discount.
  • Liberty Mutual has savings for teen driver discount, new move discount, multi-policy, good student, and safety features.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in your state.

Which is the best insurance?

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine whether you may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need higher collision deductibles?
  • What are the best liability limits?
  • At what point should I drop full coverage?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance policy coverages for an Audi 100

Having a good grasp of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Coverage for collisions

Collision coverage pays for damage to your 100 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for nursing services, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as 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

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a bird and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1992 Audi 100.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comments About 100 Insurance

  1. Abby Simpson

    All companies are crooks. I’m in the east part of Mobile, AL. I got free quotes from Liberty Mutual, AAA, Mercury, and a couple others for my Audi and saved just over $90 a year. I get multi-vehicle and multi-policy discounts. Not sure about claim service. Next renewal I’ll just do liability.

  2. Meggan Jacobs

    I live just outside Dallas, TX. Got car insurance prices from Allstate, Esurance, and Hanover for my 100 and I’m now saving $15 a month. Was with Erie. BTW speeding tickets are not good. Liability only on my Audi.

  3. Catina Russell

    Great info, thanks for posting. I’m just west of Biloxi, MS. I got free quotes with American Family, Sentry, and USAA for my 100 and saved $115 a year. It’s easy to compare rates online now. I don’t have comp or collision coverage.

  4. Debi Fletcher

    I chose to switch to State Farm from American Family. I live in Bellevue, Nebraska. Left Eastwood to switch. I think they have home insurance too. They have free quotes online. Book value doesn’t justify full coverage anymore.

  5. Dane Mcgee

    Cheap is relative. Located in Minneapolis, MN. Can’t remember who all I quoted but I ended up saving about $20 each month. Thankfully I’m not a high risk driver.

  6. Elois Pruitt

    Found cheapest coverage with American Family for my 100 and saved about $60 a year. Insured with Allstate before. I quoted rates online then called them. I dropped full coverage awhile back.

  7. Treasa Johnson

    Not sure what I should be paying. I’m in the east part of Warren, MI. Got quotes with Sentry, Erie, 21st Century, and AIG Insurance for my Audi and cut my rates about $60 a year. :P

  8. Genoveva Dixon

    I got a good deal I think. I’m from Grand Rapids, MI. I quoted with Progressive, GMAC, and Erie for my 100 and I think I cut my rates about $30 each month. Left Encompass to switch. A clean driving record helps. My 1992 Audi 100 doesn’t have full coverage.

  9. Patrice Adams

    This is too expensive. Live in the eastern part of Davenport, IA. Compared quite a few companies. Saved darn near $20 a month. Allstate was the most affordable for me. Teenage drivers are expensive! Wish I didn’t have to insure at all. I think I’ll get rid of full coverage next time.

  10. Maryrose Stokes

    Live in Jackson, Mississippi. Quoted rates from Progressive, AAA, and some I forget for my Audi and I’m now saving $10 a month. Liability only on my Audi.

  11. Taina Cobb

    Not sure what I should be paying. Lifelong resident of Reno, NV. I quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my Audi and saved $83 a year. Was with MetLife. A clean driving record helps. I’m thinking about dropping full coverage though.

  12. Merry Blankenship

    Like your site, BTW. I’m from Bridgeport, Connecticut. Quoted prices online for a 100. Ended up at about $80 savings annually. Went with Allstate. Left AAA to switch.

  13. Brent Kent

    Proud to be from Biloxi, MS. I quoted with Auto-Owners, Encompass, and MetLife for my Audi and saved $108 a year. Even increased my liability limits. LOL

  14. Lorelei Roman

    Is GEICO or Allstate cheaper in Sioux Falls, SD?