Compare 1991 Audi 90 Insurance Rates

Searching for better insurance rates for your Audi 90? Expensive insurance can overdraw your savings account and force you to prioritize other expenses. Shopping your coverage around is a smart way to lower your monthly bill.

Drivers have so many car insurance companies to purchase coverage from, and although it’s nice to have a selection, having more car insurance companies makes it harder to find the lowest cost provider.

Consumers need to price shop coverage periodically because prices fluctuate regularly. If you had the lowest price on 90 insurance a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

Low Cost Insurance

To find the best insurance prices, there are several ways to compare quotes from different insurance companies. One of the best ways to find the lowest 1991 Audi 90 rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  • The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. One quote request will get you price quotes from multiple companies.
  • Another way to obtain and compare quotes online is to take the time to go to each company’s website and complete a new quote form. For example, we’ll assume you want to compare rates from Auto-Owners, Farmers and Progressive. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended way of comparing rate quotes is to spend your day driving to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a licensed agent. However, consumers can price shop your coverage online but still have the advice of a local agent.

However you get your quotes, ensure you’re using identical information with each company. If each company quotes different limits and deductibles on each one you will not be able to make a fair comparison for your Audi 90. Slightly different limits can result in a big premium difference. Just keep in mind that getting more free quotes gives you a better chance of getting the best rates.

Cut prices on Audi 90 insurance

Companies offering auto insurance don’t always publicize every discount very well, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.

It’s important to understand that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of providers with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Do I need more liability coverage?
  • Am I covered if I wreck a rental car?
  • How high should deductibles be on a 1991 Audi 90?
  • Does coverage extend to Mexico or Canada?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when using my vehicle for business?
  • Why am I required to buy high-risk coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages explained

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, hospital visits, funeral costs, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hail damage, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your 90 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Audi 90.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as pain and suffering, emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Pennies from heaven

We’ve covered a lot of ways to save on 1991 Audi 90 insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Cost effective insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Additional information