Cheap 1992 Audi 80 Insurance Rates

Looking for cheaper auto insurance rates for your Audi 80? Finding and buying car insurance is not a chore people fancy doing, but unfortunately it’s required when you drive.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Most are applied when you complete an application, but a few must be inquired about in order for you to get them.

  • No Accidents – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.

Keep in mind that most credits do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut your overall premium however.

Car insurance companies that may have these discounts are:

Before buying, ask every prospective company what discounts are available to you. Some discounts may not be available in your state.

How much car insurance do I need?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • What discounts do I qualify for?
  • Do I really need UM/UIM coverage?
  • Will my rates increase for filing one claim?
  • Exactly who is provided coverage by my policy?
  • Is my trailer covered?
  • Can I get a multi-policy discount?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Do drivers who switch really save $474 a year?

Insurance providers like Progressive, Allstate and Geico consistently run ads on TV and radio. They all make an identical promise of big savings if you change to them. How can each company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, has no tickets, and chooses high deductibles. A propective insured who matches those parameters will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Drivers who are not a match for these standards must pay more money and this can result in business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why drivers must compare as many rates as you can. It is impossible to predict which insurance company will fit your personal profile best.

Parts of your insurance policy

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like nursing services, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage covers damage to your 80 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance

This protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not 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. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, pain and suffering, repair bills for other people’s vehicles, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi 80.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, fire damage, a broken windshield and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. Too many times, someone dropped collision coverage only to regret at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of tips how to reduce 1992 Audi 80 insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Drivers who switch companies do it for a number of reasons such as denial of a claim, delays in responding to claim requests, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Additional auto insurance information is available at the links below