Consumers have options when looking for affordable Audi 100 CS insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to make rate comparisons.
There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Audi and get the cheapest rates either online or from local insurance agents.
It’s a good habit to get comparison quotes on a regular basis because prices are variable and change quite frequently. If you had the lowest rates for 100 CS coverage a year ago you can probably find a better price now. There is a lot of bad advice regarding auto insurance on the web, but we’re going to give you some proven techniques to find affordable auto insurance.
If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to find better prices and possibly find even better coverage. The purpose of this article is to help you learn how to get online quotes and some tips to save money. Consumers just need to learn the tricks to compare price quotes on the web.
Auto Insurance Comparisons
Finding a better price on auto insurance is surprisingly easy. All you need to do is take a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
- The single most time-saving way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for boring form submissions to each individual auto insurance company. One simple form will return price quotes instantly. It’s the fastest way to compare.
- A harder way to shop for auto insurance online is going to the website for each individual company and request a quote. For examples sake, let’s say you want to compare Auto-Owners, Allstate and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
However you get your quotes, ensure you’re using the exact same deductibles and coverage limits with each company. If you are comparing different liability limits it’s impossible to make a fair comparison for your Audi 100 CS.
Pay less by taking advantage of discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
- Low Mileage – Driving fewer miles can earn a substantially lower rate.
- Paperless Signup – Certain companies will give a small break simply for signing on their website.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
- Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for 100 CS coverage than less cautious drivers.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will reduce the cost of coverage.
Audi 100 CS rates are in the details
An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. Understanding what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.
The following are a partial list of the pieces auto insurance companies consider when setting prices.
- Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like judges, business owners and dentists tend to have the highest average rates in part from stressful work requirements and long work hours. Other occupations like pilots, historians and homemakers receive lower rates for 100 CS coverage.
- Extra add-on coverages are wasting money – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
- Big city or small town – Residing in a small town is a positive aspect when talking about auto insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents.
- Protect yourself with liability coverage – Liability insurance provides coverage in the event that a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
Save 15 percent in 15 minutes? Is it for real?
Drivers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the companies make the same claim of big savings after switching your policy.
How can each company say the same thing? It’s all in the numbers.
All companies can use profiling for the type of driver that makes them money. An example of a desirable insured could be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.
Potential insureds who are not a match for the “perfect” profile will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently advertise the savings.
This emphasizes why drivers should compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.
Do the work, save more money
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
In this article, we covered a lot of tips how to compare Audi 100 CS insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the most savings is with the smaller companies.
Cost effective Audi 100 CS insurance can be found from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.
