1990 Audi 80 Insurance Rates

Trying to find the cheapest insurance for a new or used Audi 80 can be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to compare insurance rates and you need to know the quickest way to price shop coverage on a Audi and locate the cheapest rates either online or from local insurance agents.

How much can you save with discounts?

Auto insurance companies don’t necessarily list all their discounts very well, so we researched both the well known and the more hidden discounts you could be receiving. If you don’t get every credit possible, you are paying more than you should be.

  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Homeowners Pay Less – Owning a house may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

To see a list of companies who offer insurance discounts, click this link.

Audi 80 premiums are determined by many factors

Consumers need to have an understanding of the rating factors that help determine car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Where you reside plays a part – Being located in a small town has it’s advantages when it comes to car insurance. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with congested traffic and much longer commute distances. More time on the road can result in more accidents.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Pleasure use or commuting – Driving more miles every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your 80 can result in significantly higher rates.
  • High credit ratings translate to low rates – A driver’s credit score is a important factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could pay less to insure your 1990 Audi 80 by repairing your credit. People with high credit scores tend to be more responsible than drivers who have poor credit.

How much car insurance do I need?

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • What is medical payments coverage?
  • Can I afford low physical damage deductibles?
  • Should I buy only the required minimum liability coverage?
  • Is extra glass coverage worth it?
  • Are my friends covered when driving my car?
  • Does liability extend to a camper or trailer?
  • Am I covered if hit by an uninsured driver?
  • Where can I get insurance after a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • Can my babysitter drive my car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Ads can be misleading

Consumers can’t ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you’ll save big after switching to them.

How do they all claim to save you money?

Insurance companies can use profiling for the right customer that makes them money. For example, a profitable customer could possibly be over the age of 40, a clean driving record, and has great credit. A propective insured who fits that profile gets the lowest rates and most likely will save when switching.

Potential insureds who don’t measure up to the requirements will have to pay a more expensive rate which leads to business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings. Because of the profiling, drivers must get as many quotes as possible. It’s not possible to predict which auto insurance company will fit your personal profile best.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses such as prosthetic devices, hospital visits, doctor visits, surgery and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like funeral expenses, court costs, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, hitting a deer, fire damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

Low-cost 1990 Audi 80 insurance can be bought both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund or poor customer service. Regardless of your reason for switching companies, switching companies can be pretty painless.

We just presented many ways to shop for insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from the least-expected company.

Additional insurance coverage information can be found on the following sites: