Cheaper 1998 Audi Cabriolet Car Insurance Rates

Consumers have a choice when looking for affordable Audi Cabriolet insurance. They can either spend hours driving around getting price quotes or use the internet to compare rates.

There are both good and bad ways to compare insurance rates so you’re going to learn the absolute fastest way to compare rates on a Audi and find the lowest price either online or from local insurance agents.

The purpose of this post is to let you in on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Consumers just need to learn the most efficient way to buy insurance on the web.

Get cheaper insurance prices by understanding these factors

The best way to find cheaper insurance coverage is to take a look at the factors that go into determining your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

• Always have insurance coverage – Allowing your coverage to lapse is a fast way to increase your renewal premiums. Not only will you pay more, getting caught without coverage might get you a fine, jail time, or a revoked license.
• Tickets hurt – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better prices compared to drivers with tickets. Only having one driving citation can boost insurance rates to the point where it’s not affordable. Drivers who have gotten multiple citations such as DUI or willful reckless driving may find they need to prove financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
• Pay less with a high IIHS safety rating – Vehicles with good safety scores can get you lower premiums. Highly rated vehicles protect occupants better and any reduction in injury severity means less claims paid and thus lower rates. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• City dwellers may pay more – Living in small towns and rural areas has definite advantages when insuring your vehicles. Drivers in populated areas have to deal with more auto accidents and more severe claims. Fewer people means less chance of accidents in addition to lower liability claims
• Why do you need liability coverage? – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
• Increase deductibles to save – The deductibles are how much you are willing to pay if the claim is covered. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are rearending another vehicle, collision with a deer, or theft of your vehicle. The larger the amount the insured has to pay upfront, the lower your rates will be on Cabriolet insurance.
• Insurance prices and driver gender – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. Women and men are in fender benders at a similar rate, but men tend to have higher claims. Men also statistically have more aggressive citations such as DWI and reckless driving.

These discounts can lower your insurance coverage rates

Auto insurance companies don’t list every possible discount in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find discounts that you may qualify for. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.

• Drive Less and Save – Low mileage vehicles can qualify you for discounted premium rates on garaged vehicles.
• ABS Brakes – Cars with ABS braking systems or traction control are safer to drive and will save you 10% or more.
• Homeowners Pay Less – Owning a home can save you money since owning and maintaining a home shows financial diligence.
• Save with a New Car – Putting coverage on a new car can get you a discount compared to insuring an older model.
• Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for reduced rates on Cabriolet insurance.
• Military Discounts – Being deployed in the military could mean lower rates.
• No Claims – Insureds who avoid accidents and claims pay much less as opposed to policyholders that have many claims.
• Smart Student Discounts – A discount for being a good student may save you up to 25%. This discount can apply well after school through age 25.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

Larger insurance coverage companies and a summarized list of policyholder discounts include:

• State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, good driver, accident-free, good student, and multiple autos.
• Liberty Mutual may offer discounts for newly retired, new graduate, preferred payment discount, new move discount, new vehicle discount, safety features, and newly married.
• American Family offers discounts for good driver, accident-free, mySafetyValet, TimeAway discount, bundled insurance, early bird, and Steer into Savings.
• Progressive offers discounts including online signing, multi-vehicle, multi-policy, good student, homeowner, and continuous coverage.
• Farmers Insurance includes discounts for teen driver, business and professional, alternative fuel, mature driver, and early shopping.
• Auto-Owners Insurance offers premium reductions for good student, teen driver, safe vehicle, multi-policy, and anti-theft.
• SAFECO may have discounts that include safe driver, multi-car, teen safety rewards, drive less, homeowner, and anti-theft.

Check with each company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area.

Switch companies and save? Really?

Consumers can’t get away from all the ads for cheaper insurance coverage from companies such as State Farm, Allstate and Geico. All the ads advertise the message that drivers can save some big amount if you get a free auto insurance quote and switch to their company.

How is it plausible that every one can sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance companies quote their best rates for the driver that will not have excessive claims. For example, a desirable risk may be between the ages of 30 and 50, has few claims, and the vehicle is rated for pleasure use. A propective insured who matches those parameters receives the best car insurance rates and will cut their rates substantially.

Potential insureds who are not a match for the requirements will have to pay a higher rate which translates to business not being written. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote.

Different companies use different criteria so drivers should get a wide range of price quotes. It is impossible to predict which insurance coverage company will give you lower car insurance rates than your current company.

Different people need different insurance coverages

When choosing coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

• Does my policy cover my teen driver if they drive my company car?
• Is there coverage for injuries to my pets?
• Am I covered when driving on a suspended license?
• Does medical payments coverage apply to all occupants?
• Is other people’s property covered if stolen from my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Am I insured when driving a different vehicle?
• Should I put collision coverage on all my vehicles?

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

Insurance coverage considerations

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses like prosthetic devices, rehabilitation expenses, surgery, ambulance fees and dental work. 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 not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability coverages – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, repair costs for stationary objects, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision – Collision coverage will pay to fix damage to your Cabriolet from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, crashing into a ditch, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, hail damage and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

Cheaper insurance coverage is available both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online rate quotes and many times these small, regional companies work with local independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

You just learned many tips how you can lower your 1998 Audi Cabriolet insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers may even find the lowest rates come from some of the smallest insurance companies.

For more information, take a look at the following helpful articles:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)