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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Want lower auto insurance rates? Drivers have lots of choices when trying to find the lowest priced Audi 80 insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to compare rates.

There is a better way to compare auto insurance rates and you need to know the best way to compare rates on a Audi and locate the lowest price from local insurance agents and online providers.

The purpose of this post is to instruct you on the best way to quote coverages. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Drivers just need to learn the tricks to buy car insurance over the internet.

Why your insurance premiums might be higher

Many different elements are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but others are not as apparent such as whether you are married and annual miles driven.When buying car insurance it’s important to understand the factors that help determine your policy premiums. If you know what impacts premium levels, this helps enable you to make changes that can help you get lower rates.

The following are most of the major factors utilized by car insurance companies to help set your rates.

  • Get cheaper prices after the wedding – Your spouse can actually save you money when shopping for car insurance. Having a spouse translates into being more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Safety first – Vehicles with good safety scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid which can mean better rates for you.
  • Proper usage rating affects costs – The higher the miles on your Audi each year the higher your rates will be. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use cost less to insure compared to those used for work or business. Double check that your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your 80 may be costing you higher rates.
  • Only buy extra coverages you need – Insurance policies have a lot of add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like vanishing deductibles, accidental death, and extra life insurance coverage may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but if you have no use for them think about removing them and cutting costs.
  • Premiums may be lower depending on your occupation – Did you know your occupation can influence how much you pay for car insurance? Occupations like military personnelairline pilots and accountants generally pay the highest average rates due to stressful work requirements and lots of time spent at work. On the flip side, jobs such as actors, historians and homemakers generally pay rates lower than average for 80 insurance.
  • Poor credit can mean higher rates – Your credit history is a large factor in determining what you pay. If your credit score could use some work, you may save money insuring your 1990 Audi 80 if you improve your credit rating. People that have high credit ratings tend to be more responsible than drivers who have lower credit ratings.
  • Age of drivers – Older drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.Youthful drivers have been known to be inattentive when behind the wheel so car insurance rates are higher.

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

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How to compare auto insurance rate quotes

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use online quoting to achieve your goal.

Most major companies take part in a program that allows shoppers to submit one quote, and at least one company can give them a price for coverage. This prevents consumers from doing quote forms for each company.

To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is you cannot specify which companies to get quotes from. So if you prefer to choose individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just make darn sure you compare apples-to-apples coverages on every quote you get. If you have different deductibles it’s impossible to make a fair rate comparison.

Cheaper rates with these discounts

Companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so below is a list both well-publicized as well as some of the hidden ways to save on insurance.

  • Good Student – Being a good student may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
  • Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less since new vehicles are generally safer.
  • Service Members Pay Less – Being deployed in the military can result in better prices.
  • Professional Organizations – Being in a professional or civic organization is a good way to get lower rates on your next renewal.
  • Student in College – Any of your kids who are attending college and leave their car at home can receive lower rates.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for 80 insurance compared to accident prone drivers.
  • Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Allstate, Progressive, and GEICO will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous.

Larger insurance companies and their possible discounts are shown below.

  • State Farm offers premium reductions for Drive Safe & Save, student away at school, multiple policy, passive restraint, Steer Clear safe driver discount, and anti-theft.
  • Farmers Insurance has savings for teen driver, bundle discounts, mature driver, early shopping, good student, and electronic funds transfer.
  • GEICO discounts include military active duty, multi-vehicle, good student, air bags, seat belt use, multi-policy, and driver training.
  • American Family includes discounts for air bags, good student, mySafetyValet, bundled insurance, TimeAway discount, and accident-free.
  • Nationwide may include discounts for defensive driving, anti-theft, accident-free, business or organization, and multi-policy.
  • Progressive may have discounts that include multi-vehicle, online signing, multi-policy, online quote discount, homeowner, and good student.

Before buying, ask every company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in every state. To locate insurers that offer multiple discounts, follow this link.

Car insurance can be complex

When buying the best car insurance coverage, there is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • Is business property covered if stolen from my car?
  • Why am I required to buy liability insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I pay less for low miles?
  • Does coverage extend to Mexico or Canada?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

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

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Insurance coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Audi 80.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance will pay to fix damage to your 80 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, hospital visits, pain medications, surgery and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical services, bail bonds, pain and suffering, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, theft, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop smart and save

Consumers switch companies for many reasons like policy cancellation, lack of trust in their agent, high prices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

We covered some good ideas how you can lower your 1990 Audi 80 insurance rates. The key thing to remember is the more companies you get auto insurance rates for, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest priced car insurance comes from a small local company.

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

To read more, feel free to browse the resources below: