1991 Audi 200 Insurance Cost – 5 Savings Tips

Scraping up a payment for overpriced Audi 200 insurance can drain your personal savings, especially in this economy. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. Big-name insurance companies like GEICO, 21st Century and Progressive constantly blast consumers with catchy ads and consumers find it hard to ignore the promise of big savings and find the best price available.

It is always a good idea to check auto insurance prices on a regular basis because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates for 200 insurance six months ago a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because I’m going to teach you the fastest and easiest way to remove unneeded coverages and save money.

If you are insured now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper way to find the lowest price online.

Discounts are basically free money

Companies that sell car insurance do not list every discount very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Audi could be rewarded with a substantially lower rate.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Car insurance companies that may have these benefits include:

It’s a good idea to ask every prospective company how you can save money. Savings may not be available in your area.

Which insurance is the “right” coverage?

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out whether or not you may require specific advice.

  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can my babysitter drive my car?
  • Do I need rental car coverage?
  • Should I bundle my homeowners policy with my auto?
  • How do I file an SR-22 for a DUI in my state?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Auto liability insurance

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as medical expenses, medical services and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi 200.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from flooding, hitting a deer, falling objects and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for rehabilitation expenses, funeral costs, nursing services, EMT expenses and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to 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 available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This covers damage to your 200 from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

At the end of the day…

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Cheaper 1991 Audi 200 insurance can be bought from both online companies and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

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