Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Searching for the cheapest insurance coverage rates for your Audi 100? Locating the cheapest insurance for a new or used Audi 100 can normally be a lot of work, but you can use these tips and make it easy. There is a better way to find insurance coverage online so you’re going to learn the best way to price shop coverage for a Audi and locate the lowest price from local insurance agents and online providers.

Take advantage of with these discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Student Discount for Driver Training – Have your child take driver’s ed class in school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Claim-Free Discount – Drivers who don’t have accidents pay much less in comparison with policyholders that have many claims.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Telematics Data – Drivers who agree to allow their insurance company to look at driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Active Service Discounts – Having a deployed family member could mean lower premium rates.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less because new model year vehicles keep occupants safer.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on your next renewal.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies that may offer policyholders these money-saving discounts may include but are not limited to:

Before buying, ask every insurance company the best way to save money. Some discounts listed above may not be available in your area. For a list of companies that have a full spectrum of discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Buy more affordable car insurance with these tips

Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious such as traffic violations, but others are less apparent like your vehicle usage or your vehicle rating.An important part of buying insurance is that you know some of the things that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels, this enables informed choices that may result in lower rates.

The items below are most of the major factors used by insurance companies to determine rates.

  • Drive less and pay lower prices – The more you drive in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Having the wrong rating on your 100 can cost quite a bit. It’s a smart idea to ensure your vehicle rating properly reflects the proper vehicle usage.
  • Teenage drivers pay high premiums – Teen drivers are statistically proven to be inattentive with other occupants in the car so they pay higher car insurance rates. Adding a teenage driver onto your car insurance will cause a huge premium hike. Older drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.
  • Physical damage deductibles – The deductibles you choose tell how much you are willing to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply could be rearending another vehicle, damage caused by hail, and damage caused by road hazards. The more damage repair cost you have to pay, the lower your rates will be on 100 coverage.
  • Keep premiums low by being claim-free – If you file a lot of claims you should expect higher premiums or even policy non-renewal. Companies generally give discounts to policyholders that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for larger claims.

Your situation helps dictate your coverage

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • What is the ISO rating for a 1990 Audi 100?
  • How can I force my company to pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I buy additional glass protection?
  • Should I drop comprehensive coverage on older vehicles?
  • What are the best liability limits?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Drivers get pounded daily by advertisements for auto insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads convey the message about savings after switching your auto insurance coverage to their company.

How does every company offer you a better deal?

Auto insurance companies have an ideal profile for the right customer that will add to their bottom line. An example of a profitable risk profile might be described as between the ages of 30 and 45, has no driving citations, and chooses high deductibles. Any customer that hits that “sweet spot” will probably get cheap car insurance rates and have a good chance to save when switching.

Potential customers who may not quite match the ideal profile may be required to pay higher premium rates and this results in business going elsewhere. The ads say “customers who switch” but not “everyone who gets a quote” save money. This is how insurance companies can make the claims of big savings. Because every company is different, drivers must compare quotes as often as possible. Because you never know which company will be your best fit.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, surgery and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive car insurance

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

Comprehensive coverage pays for claims like hitting a deer, a broken windshield, damage from a tornado or hurricane and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.


Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision coverage pays for damage to your 100 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building, colliding with a tree, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Shop around and save

Consumers switch companies for any number of reasons including denial of a claim, policy non-renewal, being labeled a high risk driver or unfair underwriting practices. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

When shopping online for insurance coverage, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

We covered a lot of information how to get a better price on 1990 Audi 100 insurance. The key thing to remember is the more you quote insurance, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies.

More information can be found at these links: