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: Jun 30, 2018

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Wish you could get a refund on an overpriced insurance policy? Say no more because you’re not the only one. Since consumers have many insurance companies to choose from, it can be challenging to locate a lower cost insurance company.

Finding the best rates is not that difficult. If you are insured now or need new coverage, you can learn to find the best rates and still get good coverage. Vehicle owners only need an understanding of the proper way to find the lowest price over the internet.

Low cost insurance prices

Getting a cheap price on 1990 Audi 90 insurance can be surprisingly simple. You just need to take a couple of minutes to compare free auto insurance quotes online from several insurance companies. Insurance prices can be quoted using one of these methods.

  • Experts agree that the best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do separate quotes for every insurance company. Completing one form will get you price quotes from many national carriers.
  • A less efficient way to obtain and compare quotes online is to manually visit each company’s website to complete a price quote. For instance, we’ll assume you want to compare USAA, Farmers and Progressive. You would need to spend time on each company’s site and enter your policy data, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

  • If you have time to kill, the last way to find lower rates is going to different agent offices. The ability to quote online eliminates the need for an insurance agent unless you prefer the extra assistance of an agent trained in personal lines coverage. However, consumers can price shop online and still use a local agent.

The method you choose is up to you, but try to use equivalent coverages and limits on every quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Audi 90.

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

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These six discounts can lower your car insurance rates

Car insurance companies don’t list their entire list of discounts in an easy-to-find place, so the below list has some of the best known and also the more inconspicuous credits available to bring down your rates.

  • Waiver for an Accident – Not really a discount, but a handful of insurance companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
  • Claim-Free Discount – Good drivers with no accidents can save substantially compared to drivers with a long claim history.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • College Student – Older children who are attending college and don’t have a car may qualify for this discount.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles on one policy qualifies for this discount.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears you could get a free car insurance policy, you’re out of luck.

A few popular companies and some of their more popular discounts can be read below.

  • Farm Bureau discounts include multi-policy, renewal discount, 55 and retired, driver training, multi-vehicle, and good student.
  • State Farm may offer discounts for multiple autos, anti-theft, safe vehicle, multiple policy, and passive restraint.
  • Progressive may have discounts that include continuous coverage, multi-vehicle, online signing, homeowner, and multi-policy.
  • Allstate offers discounts for utility vehicle, auto/life discount, good payer, teenSMART discount, and premier plus.
  • Nationwide offers premium reductions for good student, accident-free, defensive driving, family plan, business or organization, multi-policy, and anti-theft.
  • MetLife has savings for claim-free, good student, defensive driver, good driver, accident-free, multi-policy

If you want low cost auto insurance quotes, ask all the companies what discounts are available to you. Savings might not be available to policyholders in your area. If you would like to view providers with the best discounts, click this link.

Different people need different insurance coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Is a fancy paint job covered?
  • Am I covered when driving a rental car?
  • Will filing a claim cost me more?
  • How can I find cheaper teen driver insurance?
  • What discounts do I qualify for?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Don’t listen to company ads

Drivers can’t ignore all the ads that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. They all advertise the message that people will save if you change your policy.

How can each company cost less than your current company?

All companies provide the lowest rates for the right customer that will generate a profit. For instance, this type of insured might be a married female, has few claims, and drives a lower-performance vehicle. Anybody that meets those criteria is entitled to the best price and most likely will save when switching.

Insureds who do not fit the requirements will see a higher premium and business not being written. The trick is to say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can truthfully make the claims of big savings. Because each company has a different risk profile, drivers must do a price quote comparison at every renewal. Because you never know which insurance companies will give you the biggest savings.

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

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Insurance coverage breakdown

Knowing the specifics of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Audi 90.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This will pay to fix damage to your 90 caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hail damage, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, X-ray expenses, hospital visits, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

In Summary

Low-cost 1990 Audi 90 insurance can be bought both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies don’t offer the ability to get quotes online and most of the time these regional carriers only sell through independent agents.

When shopping online for car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at an affordable rate and still be able to protect your assets.

We’ve covered quite a bit of information on how to compare 1990 Audi 90 insurance auto insurance rates online. The most important thing to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the least-expected company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Even more information can be found in these articles: