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 24, 2018

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Think you have high-priced auto insurance? It’s quite common and many consumers feel financially strained by their auto insurance policy.

There are many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, more options can take longer to get the best deal.

Find discounts on auto insurance

Companies that sell car insurance do not advertise every disount available in an easy-to-find place, so the below list has some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Active Service Discounts – Having an actively deployed family member could mean lower auto insurance rates.
  • Discount for Home Ownership – Being a homeowner can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • College Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn slightly better rates than normal.
  • Early Renewal Discounts – Some larger companies reward drivers for switching companies before your current expiration date. It could save around 10% when you buy car insurance online.
  • Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free before the accident.
  • Federal Government Employee – Federal government employees could cut as much as 10% off on Coupe insurance depending on your company.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could earn you a nice discount when getting a car insurance quote.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way.

Car insurance companies that may offer policyholders these money-saving discounts include:

Check with all companies you are considering to give you their best rates. Some credits may not apply to policies in your area. For a list of companies with significant discounts, click here.

The best way we recommend to get rate comparisons is to know car insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide information including how you use your vehicles, how many miles driven, types of safety features, and the make and model of your vehicles. That information is automatically sent to all major companies and they return rate quotes instantly to find the best rate.

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

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Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Who is covered when they drive my 1990 Audi Coupe?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I hit a deer?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • When should I remove comp and collision on my 1990 Audi Coupe?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Collision – Collision insurance pays for damage to your Coupe resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Audi Coupe.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like doctor visits, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability – Liability coverage can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, repair bills for other people’s vehicles, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass, theft and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The bottom line

We covered many ideas to compare 1990 Audi Coupe insurance premium rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable car insurance. You may even find the lowest premium rates come from the least-expected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability limits or collision coverage only to regret that they should have had better coverage. Your aim should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

A few companies may not offer the ability to get a quote online small insurance companies sell through local independent agents. Lower-priced 1990 Audi Coupe insurance can be sourced on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture.

More information is available on the following sites: