Consumers have a choice when looking for low-cost Audi 100 S insurance. You can either spend your time calling around getting price quotes or use the internet to find the lowest rates.
There are more efficient ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for your Audi and find the lowest possible price from both online companies and local agents.
It’s a good habit to take a look at other company’s rates once or twice a year due to the fact that insurance rates change frequently. Even if you think you had the lowest price for 100 S insurance on your last policy a different company probably has better rates today. There is a lot of bad information regarding auto insurance online but by reading this article, you’re going to learn some great ideas on how to find cheap auto insurance.
This article will teach you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Drivers only need to know the most efficient way to compare company rates over the internet.
Lesser-known factors impacting Audi 100 S insurance rates
An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get big savings.
The following are some of the items companies use to determine your rates.
- Consolidate policies to earn discounts – Many auto insurance companies will award you with lower prices to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
- The more you drive the more you pay – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance policy is rated on the correct driver usage. Incorrect usage on your 100 S may be wasting your money.
- Increase deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Audi. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and windstorm damage. Your deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for 100 S insurance.
- Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes have accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
Pay less by taking advantage of discounts
Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some must be asked about prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
- Memberships – Participating in a professional or civic organization may earn a discount when shopping for auto insurance for 100 S insurance.
- Student in College – Kids in college who live away from home without a vehicle on campus can receive lower rates.
- Drive Less and Save – Fewer annual miles on your Audi can qualify you for lower rates on the low mileage vehicles.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
It’s important to note that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.
Quote online but still have a local agent
Certain consumers just want to visit with an insurance agent and that is OK! Professional agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is that you can obtain better rates but also keep your business local. And supporting local businesses is especially important in smaller rural communities.
Once you complete this quick form, your insurance data gets sent to agents in your area who will return price quotes for your coverage. You won’t need to drive around due to the fact that quote results will go to the email address you provide. Now that’s easy!
Multiple types of insurance agents
When looking for a reliable agent, there are two types of insurance agents that you can select. Insurance agencies are either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth learning the differences because it can influence the type of agent you choose
Independent Agents
These agents are not required to write business for one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency for maximum quote selection. Most have the option of insuring with different regional companies who may have lower rates.
Captive Agents
This type of agents can only place business with one company such as State Farm, Allstate and AAA. Captives cannot shop your coverage around so keep that in mind. They are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
To view a complete directory of insurance agents, visit this page.
Selecting an insurance agency shouldn’t rely on just a cheap price. Agents should be asked these questions:
- Do they assist clients in filing claims?
- Does the company allow you to choose your own collision repair facility?
- Do they review policy coverages at every renewal?
- Do they carry Errors and Omissions coverage?
- How long have they worked with personal auto insurance coverage?
Upon getting positive responses as well as a affordable price, chances are good that you have found a car insurance agent that meets your needs to service your policy.
Do drivers who switch really save?
Consumers constantly see and hear ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim about savings if you switch your coverage to them.
How does each company make the same claim? It’s all in the numbers.
All the different companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer could possibly be between the ages of 40 and 55, owns a home, and has great credit. A propective insured who matches those parameters receives the best rates and is almost guaranteed to save quite a bit of money when switching.
Drivers who fall outside this ideal profile will be charged higher premiums which usually ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make the claims of big savings.
That is why it is so important to quote coverage with many companies. It’s impossible to know which company will give you the biggest savings.
Final considerations
People change insurance companies for any number of reasons including high rates after DUI convictions, poor customer service, delays in paying claims and even lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be less work than you think.
Lower-priced Audi 100 S insurance can be purchased online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.
You just read some good ideas how to get a better price on Audi 100 S insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with a smaller regional carrier.
