Lower Your 1993 Audi 100 Insurance Quotes

Scraping up a payment for high-priced Audi 100 insurance can eat up your funds and possibly require postponing other expenditures. Doing a price comparison can lower your rates and help to cut your insurance bill.

You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.

It’s smart to get comparison quotes before your next renewal because auto insurance prices are constantly changing. Even if you think you had the lowest rate on 100 coverage on your last policy there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

Informed consumers can lower their insurance costs

Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are less obvious such as whether you are married or how financially stable you are.

Shown below are some of the most common factors utilized by car insurance companies to help set your rates.

  • Save miles and save money – The more miles you rack up on your Audi in a year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how much you drive. Cars and trucks that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects the right rating data, because it can save money. Incorrect rating for your 100 is throwing money out the window.
  • Do you qualify for a multi-policy discount? – Lots of companies allow better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to comparison shop to guarantee you are still saving the most.
  • Cheap rates for being claim-free – If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies provide lower rates to insureds who only file infrequent claims. Insurance coverage is designed for larger claims.
  • Excellent credit saves on car insurance – Credit score is likely to be a major factor in calculating your car insurance rates. People with excellent credit scores tend to be better drivers and file fewer claims than drivers who have bad credit. So if your credit can be improved, you could pay less to insure your 1993 Audi 100 if you improve your credit rating.

How to buy auto insurance

When looking for low cost insurance coverage quotes, there are a couple ways to compare prices from all the different companies. By far the easiest way to find affordable 1993 Audi 100 insurance rates is to perform an online rate comparison. It’s really quite simple and can be done using a couple different methods.

  1. The single most time-saving way to get quotes is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate quotation requests for every company. One quote request will return quotes from several companies.
  2. Another way to find lower rates is going to the website of each company to complete a price quote. For example, let’s say you want to compare rates from Allstate, Progressive and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

The approach you take is up to you, just do your best to use exactly the same quote information for every company. If you have different deductibles it’s impossible to determine the best price for your Audi 100. Just a small difference in coverages can result in a big premium difference. Just remember that comparing more company’s prices increases your odds of finding a better price.

Advertising and car insurance

Respected companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. They all seem to seem to make the promise that drivers can save some big amount just by switching your coverage to them. How is it plausible that every one can lower your premium rates? Here is how they do it.

Different companies can use profiling for the type of customer that will add to their bottom line. An example of this type of driver might have to be between the ages of 40 and 55, is a homeowner, and the vehicle is rated for pleasure use. Any person who fits that profile is entitled to the best price and therefore will save a lot if they switch.

Drivers who are not a match for those standards will get more expensive rates and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can advertise the savings. That is why drivers should compare price quotes frequently. You cannot predict the company that will fit you best based on your risk profile.

Do you qualify for discount insurance?

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few must be specifically requested before you get the savings.

  • Renewal Discounts – A few insurance companies give discounts for renewing your policy prior to your current policy expiring. This can save 10% or more.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • Life Insurance – Companies who offer life insurance give a discounted insurance rate on car insurance if you buy a life policy as well.
  • Distant College Student Discount – Kids living away from home attending college and do not have access to a covered vehicle could get you a discount.
  • Accident Forgiveness – Not necessarily a discount, but some companies like State Farm, Progressive and Geico will let one accident slide without getting socked with a rate hike if your claims history is clear for a set time period.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
  • Use Seat Belts – Drivers who require all occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Cautious Driver Discount – Insureds who avoid accidents can pay as much as 50% less on 100 coverage than drivers with accidents.
  • Clubs and Organizations – Affiliation with certain professional organizations can get you a small discount on insurance.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Some of the larger companies that may offer quotes with these benefits are:

If you need cheap insurance coverage quotes, ask every prospective company which discounts you qualify for. Depending on the company, some discounts may not be offered in every state. To locate providers who offer insurance discounts, click here.

What insurance coverages do I need?

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • When do I need to add a new car to my policy?
  • Should I carry comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is there coverage for injuries to my pets?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Coverages available on your policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your 100 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a building, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability auto insurance – Liability insurance will cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi 100.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Money doesn’t grow on trees

A few companies may not offer rates over the internet and many times these smaller companies only sell coverage through independent insurance agents. Cost effective 1993 Audi 100 insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to have the best selection.

When searching for inexpensive insurance coverage quotes, never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Much more information about auto insurance is available below:

Comments About 100 Insurance

  1. Isiah Bird

    Cheap is not always the best policy. From south side of Warren, Michigan. Got prices from State Farm, Amica, and Farmers for my 100 and I’m now saving $19 a month. I don’t insure for physical damage though.

  2. Loan Barrera

    Proud to be from Seattle, Washington. Got quotes from State Farm, American Family, and Eastwood for my 1993 Audi 100 and saved $66 a year. Not sure if rates are cheaper online or not. Just liability coverage since it’s getting old.

  3. Launa Thornton

    Got a quote with Farmers for my 100 and cut my rates about $70 a year. Only insure liability on my 1993 Audi 100.

  4. Nicola Joyner

    I got decent rates for a 100 in Grand Rapids, MI. Ended up at right around $70 every six months with AAA. Insured with Encompass before. Might find lower rates online. Not worth enough to pay for comprehensive and collision.

  5. Marylyn Lowery

    It all costs too much. From northwest of Baton Rouge, Louisiana. Got car insurance prices from Mercury, Farmers, Allstate, and AIG Insurance for my 1993 Audi 100 and I think I saved about $20 each month. Insured with Esurance before. I have kids on my policy, too. Book value doesn’t justify full coverage anymore.

  6. Zona Snyder

    I live in a small town just outside of San Antonio, Texas. Got car insurance quotes from Liberty Mutual, American Family, Mercury, and a couple others for my Audi and saved around $90 a year. Was with GMAC. My new agent seems to be really good. I only have liability coverage on it.

  7. Chrystal Valenzuela

    Will Allstate cancel me if I have an accident?

  8. Skye Ward

    I’m from Cleveland, OH. Quoted prices from 21st Century, AAA, Farmers, and The General for my 1993 Audi 100 and saved about $90 a year. Have an at-fault accident tho. It’s still not cheap enough. I only have liability coverage on it.

  9. Stephan Macias

    Live in Newark, NJ. Got car insurance prices from 21st Century, American Family, and Encompass for my 1993 Audi 100 and I’m now saving $22 a month. It’s still not cheap enough.

  10. Eric Joyner

    If you have a good history and live near Philadelphia, Pennsylvania, check out Allstate. I saved quite a bit. You can get a rate quote online.

  11. Ariane Berg

    In Tucson, AZ, American Family had the best rates for my 100. Insured with GEICO before. Ask about discounts. Not worth enough to pay for comprehensive and collision.

  12. Tracy Jacobson

    I’m in Rockford, IL. Received prices from Sentry, Farmers, Progressive, and AIG Insurance for my 100 and I think I cut my rates about $20 each month. I have kids on my policy, too. :)

  13. Cythia Humphrey

    If you don’t have tickets and live near Norman, Oklahoma, check out 21st Century. I saved quite a bit. Left USAA to switch. Not sure if rates are cheaper online or through an agent.