Trying to find more affordable auto insurance may be challenging for drivers who are new to online rate comparisons. With a ridiculous number of companies in the marketplace, it can easily be hard work to find the lowest price.
If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Locating cheaper coverage is easy if you know what you’re doing. But drivers should learn how companies market on the web and apply this information to your search.
Many insurance companies such as Geico, State Farm and Progressive allow consumers to get coverage price quotes on the web. This process is possible for anyone as you simply type in the amount of coverage you want into a form. Upon sending the form, the quote system automatically retrieves your driving and credit reports and provides a quote based on the data you entered.
Being able to quote online makes it a lot easier to compare rates but the work required to visit many different websites and type in the same data gets old quite quickly. But it’s absolutely necessary to perform this step in order to find a lower rate.
There is a better way!
The preferred way to lower your rates makes use of a single form that obtains quotes from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. After your information is entered, it gets priced with multiple companies and you can pick any or none of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.
In order to use this form to compare rates, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages identical to your current policy. Doing this guarantees you will receive a rate comparison for similar coverage.
Insurance can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be asked about in order for you to get them.
As a sidenote, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free insurance policy, that’s just not realistic.
To choose companies with discount rates, follow this link.
When choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if you could use an agent’s help.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Lots of things are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are not quite as obvious like your continuous coverage or your financial responsibility.One of the most helpful ways to save on insurance coverage is to to have a grasp of the rating factors that play a part in calculating the rates you pay for insurance coverage. If you have some idea of what determines base rates, this empowers consumers to make smart changes that may result in cheaper rates.
The itemized list below are some of the items used by companies to determine prices.
Popular insurance coverage providers such as Geico, State Farm and Progressive endlessly run ads on TV and radio. All the ads try to convey promises about how much you will save after switching your insurance coverage policy to them. How does every insurance coverage company make almost identical claims? It’s all in the numbers.
Insurance providers quote the lowest rates for the type of customer that will most likely be profitable. A good example of a driver they prefer might be a married female, carries high limits, and drives a car with an anti-theft system. A customer getting a price quote who fits that profile will get very good car insurance rates and most likely will save when they switch companies.
Consumers who fall short of these criteria must pay a higher rate and the customer not buying. The ads say “people that switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently state the savings. Different companies use different criteria so it’s extremely important to compare rate quotes every year. It’s just too difficult to predict which company will have the best premium rates.
Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Liability insurance – This coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability can pay for claims such as medical expenses, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.
Comprehensive protection – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 1992 Audi 80.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage – Collision coverage pays for damage to your 80 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, nursing services, chiropractic care, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
We just covered many tips how you can shop for 1992 Audi 80 insurance online. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with the least-expected company.
When shopping online for insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage only to discover later they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
More affordable insurance coverage can be sourced from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance coverage companies do not provide price quotes online and most of the time these smaller providers only sell coverage through local independent agents.
Lifelong resident of New York City, NY. I got free rates from American Family, Esurance, and Nationwide for my Audi and saved $63 a year. Left Erie to switch. Bought it from an online quote. Not worth enough to pay for comprehensive and collision.
I’m just west of Las Vegas, Nevada. Got quotes from AAA, Mercury, and some smaller one I can’t remember the name of for my 1992 Audi 80 and saved $66 a year. Was with Esurance.
Live in Madison, Wisconsin. Quoted rates from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my Audi and I’m now saving $18 a month. Insured with Eastwood before. It never hurts to quote around.
Affordable car insurance is a myth. I live just to the east of Fayetteville, AR. Got quotes from Hanover, American Family, Safeco, and a couple others for my 80 and I’m now saving $11 a month. Switched homeowners coverage too. Not sure about claim service. I don’t put full coverage on it.
If you have a clean record and are close to Norfolk, VA, check out 21st Century. You might get cheaper rates. I have a couple other vehicles on the policy. Not worth enough to pay for comprehensive and collision.
If you have a clean record and are close to Bismarck, ND, check out Allstate. They seem to be cheaper. Insured with Sentry before. Just go online and compare their rates.
Where is cheaper car insurance? From south side of Burlington, VT. I quoted with MetLife, Encompass, 21st Century, and Auto-Owners for my Audi and cut my rates about $100 a year. Ask about discounts. I recommend comparing lots of rates. Anyone else drop full coverage?
Great info, thanks for posting. Got a quote with Sentry for my 1992 Audi 80 and saved around $120 a year. Book value doesn’t justify full coverage anymore.
Found cheapest coverage with GMAC for my Audi and cut my rates about $110 a year. Switched homeowners coverage too. I only have liability coverage on it.
Not sure if this is cheap. I live just outside Burlington, Vermont. I got free quotes with Hanover, AIG Insurance, Safeco, and a couple others for my Audi and am saving around $110 a year. Was with AIG Insurance. I get multi-vehicle and multi-policy discounts. :)
If you have a good history and live in the vicinity of Columbia, SC, check out GEICO. I saved quite a bit. Insured with State Farm before. I have a couple other vehicles on the policy. Only insure liability on my 80.
Quoted with State Farm for my 1992 Audi 80 and am saving around $90 a year. Even increased coverage a bit. Just go online and compare their rates.
I’ve bought from 21st Century forever. Cheapest rates in Cranston, RI.
Just a quick comment on my experience. Found cheapest coverage with GEICO for my Audi and am saving around $110 a year. I get lower rates because of my clean driving record. I used their online quote form to compare rates. I only have liability coverage on it.
If you have a good history and live near Green Bay, WI, check out State Farm. You might get cheaper rates. Left AAA to switch. Have an at-fault accident tho. Get lots of quotes to find the best rate. I only have liability coverage on it.
Allstate is cheapest in Georgia! :)