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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Buyers have many options when searching for the best price on Audi 200 insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to quote coverages for a new or used Audi and obtain the lowest price from both online companies and local agents.

You need to compare rates periodically since prices fluctuate regularly. Even if you got the best price on 200 coverage at your last renewal you can probably find a better rate quote now. There is lot of inaccurate information about car insurance online but in a few minutes you can learn some of the best techniques to find affordable car insurance.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. Vehicle owners just need to learn the proper way to get comparison quotes online.

The easiest way to compare car insurance rates is to realize car insurance companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is provide the companies a bit of rating information including your job, how you use your vehicles, how much you drive, and your credit rating estimate. Your details gets transmitted to insurance carriers in your area and they return quotes almost instantly.

To check rates for your 1990 Audi 200 now, click here and complete the quick form.

Double check you’re getting these discounts

Car insurance can be pricey, but there are discounts available to cut the cost considerably. Certain discounts will be applied at quote time, but lesser-known reductions have to be specially asked for before they will apply.

  • Senior Discount – Drivers that qualify as senior citizens could receive reduced rates on 200 coverage.
  • Passive Restraints – Factory options such as air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Military Discounts – Having a deployed family member could mean lower premium rates.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations may earn a discount on your bill.
  • Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
  • Driving Data Discount – People who choose to allow data collection to monitor when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.

Remember that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will help reduce your policy premium.

To choose car insurance companies that offer the discounts shown above, click here to view.

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

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Informed consumers know how to quote insurance coverage cheaper

Lots of factors are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but others are less obvious like your vehicle usage or your commute time.It’s important that you understand a few of the rating criteria that help determine your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can earn you lower insurance coverage prices.

The itemized list below are some of the major factors used by insurance companies to determine prices.

  • Females tend to take less risk – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both get in at-fault accidents in similar percentages, but the males tend to have higher claims. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive insurance coverage rates.
  • Married people drive safer – Walking down the aisle actually saves money when buying insurance coverage. It means you’re more mature than a single person it has been statistically shown that drivers who are married file infrequent claims.
  • Continuous insurance coverage coverage lowers premiums – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance could earn you fines or a revoked license.
  • Liability insurance is critical – The liability coverage on your policy will protect you when you are determined to be liable for causing personal injury or damage in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
  • Certain employers pay higher insurance coverage rates – Do you work in a high-stress field? Jobs like judges, executives and financial analysts have higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent away from family. On the other hand, jobs such as scientists, engineers and the unemployed pay the least on 200 coverage.
  • Prevent theft and save – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
  • Premiums are affected by your credit rating – A driver’s credit score will be a significant factor in calculating your insurance coverage rates. Insureds that have good credit tend to be more responsible and file fewer claims than those with bad credit. If your credit score can use some improvement, you could be paying less to insure your 1990 Audi 200 if you clean up your credit.
  • The more you drive the more you pay – Driving more miles annually the higher the price you pay to insure it. Many insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. An incorrectly rated 200 may be costing you. It’s a smart idea to ensure your insurance coverage policy is showing how each vehicle is driven, because it can save money.

Special considerations

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • What is UM/UIM insurance?
  • Does my insurance cover a custom paint job?
  • Is my cargo covered for damage or theft?
  • When would I need additional glass coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are my tools covered if they get stolen from my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • How does medical payments coverage work?
  • Do I have newly-aquired coverage?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Why you might not save $460 a year

Consumers get pounded daily by advertisements that claim the lowest car insurance rates from companies such as State Farm, GEICO and Progressive. They all seem to advertise the message about saving some big amount just by switching your insurance coverage to their company.

Is it even possible that every company can make almost identical claims? It’s all in how they say it.

Many companies have a preferred profile for the type of customer that earns them the most money. For example, a desirable insured might be described as over the age of 40, has a clean driving record, and has a high credit rating. Anyone who meets those qualifications will qualify for the lowest car insurance rates and as a result will probably save when switching.

Drivers who may not quite match those criteria will be quoted a higher rate and this can result in the prospect going elsewhere. The trick is to say “people that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make those claims.

That is why it is so important to get auto insurance quotes as often as possible. It’s not possible to predict with any certainty which company will fit your personal profile best.

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

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Educate yourself about insurance coverages

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1990 Audi 200.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision protection

Collision coverage will pay to fix damage to your 200 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage pay for bills for things like X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Smart shoppers get results

We’ve covered a lot of ways to lower your 1990 Audi 200 insurance rates. The key concept to understand is the more providers you compare, the better likelihood of getting low cost auto insurance. You may be surprised to find that the lowest rates come from the smaller companies.

When buying insurance coverage, do not buy poor coverage just to save money. In many cases, someone sacrificed liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

A few companies do not provide internet price quotes smaller providers provide coverage only through local independent agencies. Cheaper 1990 Audi 200 insurance can be found on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates.

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