1991 Audi 80 Insurance Rates

Want the cheapest auto insurance rates for your Audi 80? Tired of being strong-armed each month for car insurance? You are in the same boat as many other drivers. Online insurance companies like Allstate, Liberty Mutual and State Farm persitently shower you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

You need to check auto insurance prices periodically because rates tend to go up over time. Even if you think you had the lowest price on 80 insurance on your last policy you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you a bunch of ideas how to find affordable auto insurance.

If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the proper methods to buy auto insurance on the web.

Companies offer discounts so take them!

Companies offering auto insurance don’t necessarily list every available discount very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Homeowners Savings – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Memberships – Affiliation with certain professional organizations may earn a discount on insurance coverage on 80 insurance.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance coverage discounts, follow this link.

Finding Car Insurance

There are several ways to shop for Audi 80 car insurance, but some are less time-consuming than others. You could spend your day talking to insurance companies in your area, or you could use the internet to maximize your effort.

Most of the best insurance companies participate in a marketplace that enables customers to submit their information once, and at least one company returns a competitive quote based on that data. This system prevents you from having to do quotation requests to each individual car insurance company. To compare 1991 Audi 80 rates now click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify the companies you want pricing from. So if you want to choose specific providers to compare rates, we have a page of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same deductibles and coverage limits for every company. If you compare different values for each quote it will be impossible to determine the best price for your Audi 80.

Audi 80 rates are complex

Consumers need to have an understanding of the factors that help determine your insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with better insurance rates.

The following are a partial list of the pieces insurance companies consider when setting rates.

  • Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women tend to get into accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
  • Rates may be higher depending on your occupation – Did you know your insurance rates can be affected by your occupation? Occupations like real estate brokers, social workers and accountants tend to pay higher rates than average because of job stress and long work days. On the flip side, occupations like pilots, athletes and homemakers have the lowest average rates on 80 insurance.
  • Younger drivers pay higher rates – More mature drivers tend to be more responsible, file fewer claims and are safer drivers. Teenage drivers are statistically proven to get distracted easily when driving and because of this, their insurance rates are much higher.
  • Marriage pays dividends – Getting married can get you a discount on your policy. Having a significant other is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.

Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • Exactly who is provided coverage by my policy?
  • Should I carry comprehensive and collision coverage?
  • Do I need motorclub coverage?
  • When should I drop full coverage on my 1991 Audi 80?
  • Am I covered when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • When do I need to add a new car to my policy?
  • When can I cancel my policy?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Liability car insurance – Liability coverage can cover 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 your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1991 Audi 80.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a deer, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your 80 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

The bottom line

You just learned a lot of tips how to compare 1991 Audi 80 insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a small mutual company. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

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