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: Nov 24, 2018

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It’s all about you. We want to help you make the right coverage choices.

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No car owner rejoices having to buy car insurance, especially when they are aware that they could lower their rates if they shopped around. Due to the large number of insurance companies to choose from, it can be diffult for drivers to pick a more affordable company.

It’s a good idea to shop coverage around periodically due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest quotes on 100 insurance a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to show you the proper way to reduce your cost while increasing coverage.

Save money by receiving these five discounts

Some insurers don’t necessarily list all their discounts very well, so the next list breaks down a few of the more common and also the more inconspicuous credits available to you. If you do not check that you are getting every discount you qualify for, you are throwing money away.

  • Multiple Cars – Buying insurance for several vehicles with the same company can get a discount for every vehicle.
  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
  • Paperless Signup – Certain insurance companies will give a small break get insurance online.
  • Drive Safe and Save – Safe drivers could pay up to 40% less on 100 insurance than drivers with accident claims.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

As a sidenote, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A list of companies and some of the premium reductions they offer can be read below.

  • Mercury Insurance offers discounts for type of vehicle, multi-policy, good driver, age of vehicle, location of vehicle, ease of repair, and multi-car.
  • Farmers Insurance offers premium reductions for bundle discounts, alternative fuel, electronic funds transfer, youthful driver, business and professional, and teen driver.
  • Farm Bureau includes discounts for good student, driver training, multi-policy, youthful driver, multi-vehicle, safe driver, and renewal discount.
  • State Farm has savings for student away at school, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and safe vehicle.
  • Allstate discounts include premier plus, teenSMART discount, anti-lock brakes, anti-theft, and good payer.
  • GEICO has discounts for anti-theft, driver training, anti-lock brakes, air bags, federal employee, military active duty, and daytime running lights.

When getting a coverage quote, ask every insurance company how many discounts you can get. Some discounts may not apply in your area. If you would like to view insurers with the best insurance discounts, click this link.

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

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Your car insurance coverage should be tailored to you

When choosing coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need professional guidance.

  • Is my 1992 Audi 100 covered for flood damage?
  • How does medical payments coverage work?
  • Do I pay less for low miles?
  • When would I need additional glass coverage?
  • Why am I required to buy high-risk coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need roadside assistance coverage?
  • How high should deductibles be on a 1992 Audi 100?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Advertising myths

Drivers can’t avoid all the ads that claim the best prices from companies such as Allstate, GEICO and Progressive. They all seem to make the same claim of big savings just by switching your coverage.

How can each company make almost identical claims? It’s all in the words they use.

Insurance providers have specific characteristics for the right customer that will generate a profit. An example of this type of risk profile may need to be between the ages of 40 and 55, carries full coverage, and drives newer vehicles. A driver who meets those qualifications receive the lowest rate quotes as well as save when they switch companies.

Potential customers who do not fit these criteria may receive higher premiums and this can result in the customer not buying. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save money. That’s why companies can make those claims.

Different companies use different criteria so it’s extremely important to get as many free insurance quotes as possible. It is just not possible to predict the company that will provide the lowest car insurance rates.

Car insurance coverage considerations

Learning about specific coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Auto liability – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as EMT expenses, doctor visits, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi 100.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

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

Comprehensive insurance covers things like fire damage, hitting a deer, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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

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Saving money is sweet as honey

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced full coverage and learned later they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious 1992 Audi 100 insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer online price quotes and most of the time these regional carriers provide coverage only through local independent agencies.

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