Lower Your 1991 Audi 200 Insurance Rates

If shopping for insurance quotes online is new to you, by this point your are probably baffled thanks to the huge assortment of online auto insurance companies and websites selling insurance.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Locating more affordable auto insurance coverage is quite easy. But consumers must know how big insurance companies compete online and use this information to your advantage.

Cheap auto insurance

Shopping for lower auto insurance rates can take time and effort if you don’t know the most efficient way to do it. You can spend countless hours talking about coverages with agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program where insurance shoppers submit their information once, and each company then gives them pricing for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The single downside to using this type of system is you are unable to specify which companies to get pricing from. If you would rather choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, do your best to enter equivalent deductibles and coverage limits on every price quote you get. If each company quotes unequal deductibles or liability limits it will be very difficult to find the best deal for your Audi 200. Having just a slight variation in limits could skew the results. Just keep in mind that comparing all the rates in your area increases the change that you will find the best offered rates. Some companies don’t provide price estimates online, so you need to compare price quotes on coverage from those companies, too.

Is there truth in advertising?

GEICO, State Farm and Progressive continually stream ads in print and on television. All the companies have a common claim about saving some big amount if you just switch your insurance coverage coverage to their company. Is it even possible that every company can say the same thing?

Different companies offer their best rates for a prospective insured that will not have excessive claims. For instance, a desirable insured might have to be over the age of 35, is a homeowner, and drives a safe vehicle. A customer getting a price quote who meets those qualifications gets the lowest rates as well as save a lot of money.

Drivers who do not fit those criteria will probably be forced to pay higher premium rates and ends up with the customer buying from a different company. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can confidently make those statements.

This really illustrates why you should get price quotes at each policy renewal. Because you never know with any certainty which company will have the best premium rates.

Lower your insurance costs

Many factors are part of the equation when quoting car insurance. Some are obvious like your driving record, but other factors are less apparent such as your marital status or how financially stable you are.Smart consumers have a good feel for some of the elements that are used to determine the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower rates.

  • Vehicles with better crash test results means better prices – Cars with five star safety ratings cost less to insure. Safe vehicles protect occupants better and reduced instances of injuries means less claims paid and more competitive rates for policyholders.
  • Excellent credit equals lower prices – Having a bad credit score factor in your rate calculation. If your credit score is lower than you’d like, you could potentially save money when insuring your 1991 Audi 200 by improving your rating. Drivers with excellent credit scores tend to be better risks to insure as compared to drivers with lower credit ratings.
  • Driving citations mean higher costs – Just one citation can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers unfortunate enough to have multiple violations such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state in order to prevent a license revocation.
  • Higher deductibles are cheaper – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply would be collision with another vehicle, collision with an animal, and burglary. Comp and collision deductibles represent how much money the insured will be required to pay before a claim is paid by your company. The more you have to pay, the less money you will pay for car insurance for 200 coverage.

Drivers save money with these premium-slashing discounts

Buying auto insurance is not cheap, but you may be missing some discounts that you may not know about. A few discounts will automatically apply when you complete an application, but a few must be inquired about in order for you to get them.

  • Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies permit an accident without raising rates so long as you are claim-free for a specific time period.
  • Lower Rates for Military – Having a deployed family member may lower your premium rates slightly.
  • Sign Online – Many insurance companies will give you a small discount for buying your policy on the web.
  • Organization Discounts – Joining certain professional organizations can get you a small discount on your policy.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on medical payment and PIP coverage.

Don’t be surprised that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, that’s just not realistic.

Popular auto insurance companies and some of the premium reductions they offer are shown below.

  • Mercury Insurance has discounts for ease of repair, annual mileage, good student, low natural disaster claims, location of vehicle, and good driver.
  • Farmers Insurance may offer discounts for pay in full, teen driver, business and professional, alternative fuel, early shopping, and mature driver.
  • Farm Bureau discounts include youthful driver, multi-policy, 55 and retired, driver training, and renewal discount.
  • State Farm may have discounts that include multiple autos, defensive driving training, good driver, anti-theft, and accident-free.
  • Allstate may include discounts for anti-lock brakes, good student, auto/life discount, EZ pay plan discount, senior citizen, and premier discount.
  • GEICO offers premium reductions for anti-theft, daytime running lights, seat belt use, five-year accident-free, and driver training.

If you want low cost insurance quotes, ask all the companies which credits you are entitled to. Some discounts listed above might not apply in your area. To find companies that offer multiple discounts, click here.

Do I need special coverages?

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover if your situation will benefit from professional help.

  • What is medical payments coverage?
  • When should I buy a commercial auto policy?
  • Where can I find high-risk insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • How can I find cheaper teen driver insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

The coverage is in the details

Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability insurance – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, emergency aid, funeral expenses, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision insurance will pay to fix damage to your 200 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox, driving through your garage door, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, prosthetic devices, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi 200.

Since many drivers have only the minimum liability required by law, 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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Be a penny pincher

Budget-friendly insurance can be bought both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer rates over the internet and most of the time these smaller companies only sell through independent agencies.

We just showed you a lot of information how to get a better price on 1991 Audi 200 insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the best price on insurance is with a lesser-known regional company.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

Much more information about insurance is available at the links below