Save on 1992 Audi 80 Car Insurance Quotes

Looking for lower insurance rates for your Audi 80? Feel like you’re a prisoner to an overpriced insurance policy? You’re in good company because you’re not alone.

With so many companies to choose from, it is very difficult to choose the most cost effective company.

Learn how to lower your insurance prices

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, although others are less obvious like where you live and annual miles driven.When buying auto insurance it’s important to understand some of the factors that go into determining your policy premiums. When you understand what influences your rates, this helps enable you to make changes that will entitle you to lower auto insurance prices.

  • Rural vs Urban Areas – Living in less populated areas has definite advantages if you are looking for the lowest rates. City drivers have to deal with traffic congestion and longer commutes to work. Fewer people corresponds to lower accident rates.
  • Deter vehicle theft – Owning a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent vehicle theft.
  • Physical damage deductibles – Physical damage deductibles represent how much money the insured will be required to pay if you file a covered claim. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply are rearending another vehicle, hail damage, and damage from wind. The larger the amount the insured has to pay upfront, the better rate you will receive on 80 coverage.
  • How much liability insurance – Liability coverage will afford coverage when a jury decides you are liable for physical damage or personal injury to other. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.
  • Better auto insurance rates on safer cars – Safe vehicles tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Audi 80 has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Responsible drivers pay less – Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Having just one speeding ticket can boost insurance rates to the point where it’s not affordable. Drivers with severe violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Which gender costs less? – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders are in auto accidents at a similar rate, but men have costlier accidents. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving.

Discounts for lower-cost car insurance rates

Companies do not list the entire discount list very well, so we break down a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.

  • Student Discounts – This discount may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Save over 55 – Drivers over the age of 55 can possibly qualify for better car insurance rates on 80 coverage.
  • College Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Active Service Discounts – Being on active deployment in the military could mean lower car insurance rates.
  • Defensive Driver Discounts – Taking a defensive driver course could cut 5% off your bill if you qualify.

As a footnote on discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount should help lower your premiums.

If you would like to view insurance companies that provide some of the discounts listed above, click here to view.

Drivers who switch save $434 a year? Really?

Insurance companies such as Allstate and Progressive consistently run television and radio advertisements. All the companies state the claim that you can save if you switch your policy. How does each company make the same claim?

Companies have specific characteristics for the type of driver that earns them the highest profit. An example of a preferred risk might be described as a married female, has never had a policy lapse, and drives less than 10,000 miles a year. A driver that meets those criteria will get a cheap rate quote and is almost guaranteed to save when they switch companies.

Potential customers who do not meet this ideal profile will be charged a higher rate and ends up with business going elsewhere. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently state the savings. This really drives home the point why drivers should get insurance coverage quotes as often as possible. It’s just not possible to know the company that will be your best fit.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • How high should my uninsured/underinsured coverage be in my state?
  • What happens if I owe more than my 1992 Audi 80 is worth?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have newly-aquired coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, surgery, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Audi 80.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle, rock chips in glass and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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 policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as funeral expenses, attorney fees, repair bills for other people’s vehicles, pain and suffering and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision protection

This coverage will pay to fix damage to your 80 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

A penny earned…

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at a price you can afford.

Cost effective 1992 Audi 80 insurance is definitely available from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get quotes online and these regional carriers only sell coverage through independent agents.

In this article, we presented many ways to reduce 1992 Audi 80 insurance prices online. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the lowest prices come from a small local company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Even more information is located at these sites: