1995 Audi Cabriolet Insurance Cost – 9 Ways to Save

I really doubt anyone looks forward to paying premiums for car insurance, especially when they know they could find lower prices if they just compared rates.

Since you have so many choices, it’s nearly impossible to choose a lower cost insurance company.

The quickest way to compare rates is to know most larger insurance companies participate in a system to compare rate quotes. The one thing you need to do is provide a small amount of information such as driver ages, the year, make and model of vehicles, whether or not you need a SR-22, and your general credit rating. Your information is sent automatically to many different companies and they return rate quotes instantly.

If you would like to compare rates now, click here and complete the form.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

• When should I remove comp and collision on my 1995 Audi Cabriolet?
• How much liability coverage do I need in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I drive in a foreign country?
• How much can I save by bundling my policies?
• Does coverage extend to Mexico or Canada?
• I have health insurance so do I need medical payments coverage?
• What is no-fault insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Coverage for liability – This can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, pain and suffering, medical services, court costs and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, surgery, dental work, prosthetic devices and ambulance fees. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, damage from flooding, fire damage, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Cabriolet resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, scraping a guard rail and damaging your car on a curb. 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. Another option is to bump up the deductible in order to get cheaper collision rates.