How to Get the Absolute Best Rates When Comparing Insurance for an Audi 80

Are you tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as most other car owners.

Many insurers vie for your business, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest rate possible.

You need to compare prices on a regular basis because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for 80 insurance a couple years back you can probably find a lower rate today. So ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to remove unneeded coverages and save money.

Car Insurance Comparisons

All the larger car insurance companies give insurance quotes directly from their websites. Getting online rates is quite simple as you just enter into the quote form. Once entered, their system sends out for your driving record and credit report and returns a price based on these factors. Quoting online streamlines rate comparisons, but having to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step if you want to find the lowest price.

The easy way to compare rates

The smarter way to lower your rates uses one form to get prices from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick any of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

To find out if lower rates are available, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you type in the coverage information identical to your current policy. This way, you will get a price comparison using the exact same coverages.

These discounts can slash car insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be applied when you complete an application, but some may not be applied and must be manually applied before they will apply.

• Defensive Driving Course – Completing a driver safety course could save 5% or more depending on where you live.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
• Paperwork-free – A few companies will give a small break for buying a policy and signing up digitally online.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
• Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will cut the cost of coverage.

For a list of insurance companies with discount car insurance rates, follow this link.

Impacting insurance rates for an Audi 80

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

• Don’t sacrifice liability coverage – Liability insurance provides coverage if ever a court rules you are at fault for damages from an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
• More claims means more premium – Insurance companies award better rates to policyholders who do not file claims often. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.
• Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Audi from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the bigger discount you will receive for 80 insurance.
• Your spouse saves you money – Being married can get you a discount on your policy. Marriage translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
• Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. These vehicles reduce injuries and fewer injuries means lower claim amounts and lower rates for you. If the Audi 80 scored better than four stars on Safercar.gov you may qualify for a discount.
• Multiple policies with one company can save – Many car insurance companies will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
• Add-on coverages can add up – There are many additional coverages that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them from your policy.

Are insurance agents a thing of the past?

Some people would prefer to get advice from a local agent and that is a personal choice. One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still choose a local agent. And providing support for local businesses is definitely important in smaller communities.

To find an agent, once you fill out this short form, the quote information is immediately sent to local insurance agents who will compete for your insurance coverage. There is no reason to visit any agencies since price quotes are sent straight to your inbox. How cool is that?! You’ll get the best rates and work with a local agent.

If you want to select a specific agent in your state, click here.

Picking a company needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:

• Are claim adjusters local or do you have to take your car somewhere else?
• What insurance companies do they recommend if they are an independent agent?
• What insurance companies do they work with?
• Do they review policy coverages at every renewal?
• Does the company allow you to choose your own collision repair facility?
• How much will you save each year by using a higher deductible?
• What is the agency’s Better Business Bureau rating?

After getting answers to your satisfaction and an affordable coverage quote, you may have just found an insurance company that can adequately provide car insurance.

Better coverage you can count on

Cheap Audi 80 insurance is available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price.