How Much Does 1993 Audi 100 Insurance Cost?

Are you tired of not being able to scrape enough together to pay high car insurance rates every month? You are in the same boat as many other consumers.

There are many insurers to purchase coverage from, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates.

Are you qualifying for every discount?

Some insurers don’t always list all their discounts in an easy-to-find place, so the list below details both the well known and also the more inconspicuous discounts that may be available.

  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
  • Renewal Discounts – Select auto insurance companies give a discount for switching to them early. It’s a savings of about 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Home Ownership Discount – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.
  • Low Miles Discount – Low mileage vehicles could earn slightly better auto insurancerates than normal.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.

Car insurance companies that may include many of the previously listed discounts include:

If you are trying to find the cheapest insurance quotes, ask every company how many discounts you can get. Some of the discounts discussed earlier may not be available in your area. To find insurers with the best auto insurance discounts, click here to view.

Which auto insurance is cheapest?

When comparison shopping, there are several ways to compare quotes from different insurance companies. The simplest method to find competitive 1993 Audi 100 insurance rates is to get quotes online. This is quite simple and can be completed in a couple of different ways.

One of the fastest ways consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating boring form submissions to each individual auto insurance company. A single, simple form gets you coverage quotes from multiple companies.

A less efficient way to analyze rates is going to each individual company website and complete a new quote form. For example, we’ll assume you want to get rates from Farmers, 21st Century and Liberty Mutual. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient and most time consuming way to do your price quoting is making phone calls or going to different agent offices. The ability to quote online can eliminate the need for a local agent unless you have a need for the peace of mind of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online but have your policy serviced through an agent.

The approach you take is up to you, just be sure to compare the exact same coverage data for each price quote. If you are comparing different values for each quote you will not be able to truly determine the lowest rate. Quoting even small variations in coverages could throw off the whole comparison. And when price shopping your coverage, more quotes will improve the odds of getting more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you also need to get price estimates from the smaller companies as well.

The Audi 100 insurance premium equation

Consumers need to have an understanding of some of the factors that help determine your auto insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that may result in much lower annual insurance costs. Many factors are used in the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are more transparent like your vehicle usage or your commute time.

  • Safer cars means cheaper prices – Safer cars tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection means your insurance company pays less and thus lower rates.
  • No insurance claims equals cheap prices – Insurance companies generally give discounts to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • GPS tracking and theft deterrents lowers auto insurance rates – Buying a car that has a built-in theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
  • Men drivers tend to cost more – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Females and males tend to get into accidents at a similar rate, but males have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like DUI and reckless driving.

When in doubt talk to an agent

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • What happens if I owe more than my 1993 Audi 100 is worth?
  • Should I waive the damage coverage when renting a car?
  • When should I drop full coverage on my 1993 Audi 100?
  • When should I not file a claim?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need more liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for EMT expenses, rehabilitation expenses, surgery, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, bail bonds, emergency aid, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird and fire damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be a smart shopper

We just showed you a lot of tips how to shop for 1993 Audi 100 insurance online. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the most savings is with the smaller companies. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest cost.

A few companies do not offer online rate quotes small insurance companies only sell through independent insurance agents. Cheaper auto insurance can be bought online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from.

Much more information about auto insurance can be read at these links: