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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Trying to find lower insurance rates for your Audi 100? Wish you could get out of high-priced insurance? Trust us when we tell you there are lots of residents who feel the same.

Due to the abundance of companies to choose from, it’s nearly impossible to find the lowest cost insurer.

It is always a good idea to check insurance prices every six months since insurance prices are adjusted regularly by insurance companies. If you had the best rates on 100 coverage on your last policy you will most likely find a better rate quote today. Ignore everything you know about insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Which auto insurance is cheapest?

There are multiple methods you can shop for auto insurance but some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you could use the internet to get the quickest rates.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company then gives them pricing. This system prevents you from having to do quote forms for each company.

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

The single downside to getting quotes like this is buyers cannot specifically choose the providers you want to price. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but ensure you are comparing apples-to-apples coverages and limits for every quote you compare. If the quotes have different liability limits it’s impossible to determine the best price for your Audi 100. Just a small difference in insurance coverages may result in large price differences. It’s important to know that comparing more company’s prices increases your odds of finding a better price. Some regional insurers cannot provide price estimates online, so it’s recommended that you also compare price quotes from them, too.

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

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Slick advertising tricks that work

Well-known insurance coverage companies like GEICO, State Farm and Progressive endlessly run television and radio advertisements. All the ads convey the message of big savings if you change your policy. How do they all offer drivers better rates? It’s all in the numbers.

All the different companies offer their best rates for the type of customer they prefer to insure. One example of a driver they prefer could be over the age of 50, has a low-risk occupation, and drives a vehicle with a low ISO rating. A customer that meets those criteria gets the lowest premium rates and therefore will save some money.

Insureds who don’t qualify for the ideal profile may receive higher premiums which leads to the customer not buying. The trick is to say “people who switch” but not “everyone who gets a quote” save that much when switching. That is how companies can state the savings. This illustrates why it is so important to get price quotes at each policy renewal. Because you never know the company that will have the lowest rates.

Discounts can really help to save

Auto insurance is expensive, but you might be missing out on some discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be requested specifically before being credited.

  • Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates on 100 coverage than less cautious drivers.
  • Defensive Driver Discounts – Taking part in a class that teaches driver safety techniques may get you a small discount and also improve your driving technique.
  • Switch and Save Discount – A few auto insurance companies offer discounts for buying a new policy before your current policy expires. It’s a savings of about 10%.
  • Online Discount – A few larger online companies may give you up to $50 for signing up digitally online.
  • Low Mileage Discounts – Driving less could earn substantially lower prices.
  • One Accident Forgiven – This one is not really a discount per se, but companies like State Farm and GEICO permit an accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
  • Theft Deterent System – Cars and trucks with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
  • Multi-Vehicle Discounts – Buying coverage for all your vehicles with the same company can get a discount for every vehicle.

You should keep in mind that most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts are:

  • American Family offers discounts for Steer into Savings, good student, air bags, mySafetyValet, and accident-free.
  • Nationwide has discounts for business or organization, defensive driving, Farm Bureau membership, easy pay, family plan, accident-free, and good student.
  • MetLife may include discounts for multi-policy, accident-free, claim-free, good driver, and good student.
  • 21st Century policyholders can earn discounts including anti-lock brakes, good student, 55 and older, driver training, early bird, defensive driver, and automatic seat belts.
  • Farmers Insurance includes discounts for alternative fuel, electronic funds transfer, early shopping, business and professional, youthful driver, multi-car, and bundle discounts.
  • Allstate offers premium reductions for safe driver, economy car, anti-theft, new car, good payer, and defensive driver.

Double check with each insurance company which discounts they offer. Savings might not be available to policyholders in your area. If you would like to choose from a list of providers with discount auto insurance rates, click here to view.

Will just any policy work for me?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • What is the minimum liability in my state?
  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my 1993 Audi 100?
  • When would I need additional glass coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

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

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Specific coverage details

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Auto collision coverage

This pays for damage to your 100 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, chiropractic care, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay


Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle 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 limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like emergency aid, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, fire damage, hail damage and hitting a bird. The highest amount 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 probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Audi 100.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More choices the merrier

In this article, we presented a lot of ways to save on 1993 Audi 100 insurance. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even find the best price on insurance is with a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

When searching for the cheapest car insurance quotes, make sure you don’t skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

More detailed insurance information is located by following these links: