How to Lower Your Audi 100 Insurance Rates In Five Minutes or Less
If shopping your car insurance around was fun, we'd do it much more often. But the reality is, you probably don't enjoy it and you think it costs too much. Cutting the check for each renewal on your Audi 100 might give you the same feeling.
Step One: Insurance Rate Comparison Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Not anymore!
The best car insurance companies offer online quoting for a Audi 100 and it's very easy to compare different rates by only using one form.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Important! If you already have liability and physical damage coverage on your Audi 100, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Insider Tips for Finding Cheaper Audi 100 Insurance
There are many contributing factors that determine what you pay to insure your Audi. You can help yourself (and your wallet) by paying attention to the following rate factors.
- How is your credit rating? The better credit you have, the less insurance will cost for your Audi 100. If you have bad credit, work on improving your credit score and repair past credit problems.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- If you're a young driver, you will pay more to insure a Audi 100. There isn't anything you can do about your age, but rates will drop as you mature.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Audi 100 falls into either category, it could cost you.
Step Three: Finalize your Policy Details
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Audi 100 with.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Audi added prior to the expiration of this grace period. Comprehensive (or Other than Collision) and collision coverage will extend to your new Audi 100 if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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