1991 Audi 90 Insurance Cost – 9 Savings Tips

Want lower auto insurance rates for your Audi 90? Feel like you have high-priced auto insurance? It’s a common feeling and there are lots of people in the same boat. You have so many insurance companies to purchase coverage from, and even though it’s nice to have a selection, more choices can make it harder to locate the cheapest rates.

Cheaper insurance rates with discounts

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as State Farm and GEICO will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.
  • More Vehicles More Savings – Buying a policy with more than one vehicle on one policy qualifies for this discount.
  • Drive Less and Save – Fewer annual miles on your Audi may enable drivers to earn substantially lower premium rates.
  • New Car Discount – Insuring a vehicle that is new can save you some money since new vehicles have better safety ratings.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
  • Military Rewards – Being on active deployment in the military could qualify you for better prices.
  • Memberships – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates when getting a auto insurance quote.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The best insurance companies and their possible discounts are detailed below.

  • Farm Bureau discounts include 55 and retired, youthful driver, safe driver, driver training, renewal discount, good student, and multi-vehicle.
  • MetLife includes discounts for good driver, defensive driver, multi-policy, accident-free, good student, and claim-free.
  • Progressive has discounts for multi-policy, good student, online signing, multi-vehicle, and online quote discount.
  • AAA policyholders can earn discounts including multi-policy, pay-in-full, education and occupation, good driver, and multi-car.
  • American Family offers premium reductions for bundled insurance, early bird, TimeAway discount, air bags, good driver, accident-free, and mySafetyValet.
  • GEICO offers discounts including emergency military deployment, seat belt use, good student, military active duty, and multi-policy.
  • State Farm may offer discounts for driver’s education, multiple autos, good driver, anti-theft, multiple policy, Drive Safe & Save, and good student.

When getting a coverage quote, ask each company or agent what discounts are available to you. Some credits may not be offered in your state. If you would like to view providers that offer discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight if you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How does medical payments coverage work?
  • Why do I need rental car insurance?
  • Do all my vehicles need collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage basics

Knowing the specifics of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as nursing services, funeral costs, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, hail damage, hitting a deer and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as court costs, medical services, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Be a money saver!

While you’re price shopping online, do not reduce coverage to reduce premium. Too many times, consumers will sacrifice collision coverage only to regret they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented many ideas to get a better price on 1991 Audi 90 insurance. The key thing to remember is the more you quote auto insurance, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

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