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: May 21, 2018

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Are you drained from not being able to scrape enough together to keep your car insured? You have the same problem as many other consumers.

With so many companies to choose from, it can be impossible to locate the right insurance provider.

More discounts mean cheap premiums

Companies do not advertise every discount very well, so the next list breaks down both well-publicized as well as some of the hidden savings tricks you should be using when you buy insurance online.

  • Student Discounts – This discount may save you up to 25%. The discount lasts well after school through age 25.
  • No Claim Discounts – Claim-free drivers have much lower rates when compared with policyholders that have many claims.
  • Anti-theft Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
  • Resident Student – Children who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
  • Low Mileage Discounts – Low mileage vehicles can earn cheaper prices.

Drivers should understand that most credits do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

Auto insurance companies that may offer policyholders these benefits include:

When quoting, ask each insurance company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To locate providers that offer multiple discounts, follow this link.

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

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Compare free insurance coverage quotes

Effectively comparing insurance coverage prices can be challenging if you don’t understand the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quotes to get the quickest rates.

Most of the best insurance companies participate in an industry program that allows shoppers to submit their information once, and each company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions to each company.

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

One minor caviat to using this type of system is you can’t choose the companies you want pricing from. So if you want to select from a list of companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep identical coverages with each company. If each company quotes different values for each quote it will be nearly impossible to find the best deal for your Audi V8. Having just a slight variation in limits could mean much higher rates. Just keep in mind that having more price comparisons will increase your chances of finding lower pricing. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare rates from them, too.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Is my Audi V8 covered if I use it for business?
  • What is the difference between comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What if I total my 1991 Audi V8 and owe more than it’s worth?
  • Is a fancy paint job covered?
  • Should I drop comprehensive coverage on older vehicles?
  • Is upholstery damage covered by car insurance?
  • Is business equipment covered while in my vehicle?
  • Do I pay less for low miles?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Liability insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like bail bonds, emergency aid, legal defense fees, loss of income and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi V8.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, dental work, EMT expenses, hospital visits and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, theft, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision coverage covers damage to your V8 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

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

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Compare but don’t skimp

You just learned a lot of information how to shop for 1991 Audi V8 insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance. Drivers may discover the best car insurance rates are with a lesser-known regional company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate and Progressive.

Cheaper 1991 Audi V8 insurance can be sourced from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance coverage companies may not offer online rate quotes and usually these small, regional companies only sell through independent insurance agents.

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