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: Apr 17, 2018

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Want better insurance rates for your Audi 90? Searching for budget insurance might seem somewhat intimidating for beginners to buying insurance on the internet. With a ridiculous number of online companies, how can anyone be able to compare each option to find the best available price?

It is always a good idea to shop coverage around yearly since prices go up and down regularly. If you had the best rates for 90 insurance at your last renewal a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the only way to lower your rates without sacrificing coverage.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Locating cheaper protection is quite easy. Although car owners need to learn the way companies sell insurance online and use this information to your advantage.

Eight things that impact your insurance premiums

Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but others are not as apparent such as your credit history or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that go into determining your auto insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower auto insurance prices.

  • Gender and insurance prices – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both have auto accidents at a similar rate, but the men cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Teen drivers cost more – More mature drivers tend to be more responsible, file fewer claims and get fewer tickets.Drivers with little experience have a tendency to get distracted easily when at the wheel of a vehicle so they pay higher auto insurance rates.
  • Pleasure use saves money – The more you drive annually the higher the price you pay to insure it. The majority of insurers charge to insure your cars based on how the vehicle is used. Autos that are left in the garage can be on a lower rate level than those used for commuting. Verify your auto insurance policy correctly shows annual mileage, because it can save money. Having an incorrect usage rating on your 90 may be costing you higher rates.
  • Liability coverage – The liability coverage on your policy is the protection when you are responsible for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Where you live – Choosing to live in a rural area is a positive aspect when shopping for auto insurance. Drivers who live in large cities have traffic congestion and more time behind the wheel. Less people means reduced accidents and also fewer theft and vandalism claims.
  • Don’t get traffic citations – Good drivers pay less for auto insurance compared to bad drivers. Just one speeding ticket can increase rates forty percent or more. People who have license-revoking citations such as hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Certain vocations pay higher prices – Did you know your occupation can influence how much you pay for auto insurance? Jobs like military generalsair traffic controllers and stock brokers usually pay higher premium rates attributed to intense work requirements and lots of time spent away from family. Conversely, professions such as professors, athletes and performers pay lower than average rates for 90 insurance.
  • Extra coverages that may not be needed – Policies have add-on coverages that can waste your money if you don’t pay attention. Things like personal injury protection, towing coverage, and term life insurance are examples of these. These may sound like a good investment when buying your policy, but now you might not need them so get rid of them and save.

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

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Discounts can really help to save

Car insurance is not cheap nor is it fun to buy but you can get discounts that you may not even be aware of. Certain credits will be shown when you get a quote, but a few must be inquired about prior to receiving the credit.

  • Data Collection Discounts – Drivers who elect to allow their insurance company to track when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
  • Switch and Save Discount – Some larger companies reward drivers for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer vehicles are generally safer.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for 90 insurance than drivers with accidents.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Discounts for Multiple Vehicles – Buying insurance for several vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for 90 insurance with a few car insurance companies.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works. But all discounts will cut your car insurance premiums.

Some of the larger companies that may offer these discounts may include but are not limited to:

If you need inexpensive insurance quotes, ask every prospective company which discounts can lower your rates. Some discounts may not be available in your area. To find insurers that have a full spectrum of discounts, click here to view.

Truth in insurance coverage advertising

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the same claim that you’ll save big just by moving your coverage to them. How is it possible that every company can give you a better price? Here is how they do it.

Insurance companies have specific criteria for the type of customer that earns them a profit. For instance, this type of risk profile might have to be over the age of 50, carries full coverage, and drives less than 5,000 miles a year. Someone who matches those parameters receive the lowest rate quotes and as a result will probably pay quite a bit less when switching companies.

Insureds who do not match the ideal profile will be quoted higher prices which leads to the prospect going elsewhere. The ads say “customers that switch” not “everyone who quotes” save that much. This is how insurance companies can confidently state the savings. This really illustrates why you absolutely need to quote coverage with many companies. Because you cannot predict the company that will fit you best based on your risk profile.

Will just any policy work for me?

When buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Should I rate my 1993 Audi 90 as pleasure use or commute?
  • What is medical payments coverage?
  • Are rock chip repairs covered?
  • What is UM/UIM insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • If my 1993 Audi 90 is totaled, can I afford another vehicle?
  • Is my 1993 Audi 90 covered for smoke damage?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

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

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Insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision protection

This coverage will pay to fix damage to your 90 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 can pay for things like colliding with a tree, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, attorney fees, medical expenses, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as X-ray expenses, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This 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 to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Shop smart and save

Throughout this article, we presented some good ideas how to save on 1993 Audi 90 insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best auto insurance rates are with a smaller regional carrier.

Insureds leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, high rates after DUI convictions and even delays in paying claims. No matter why you want to switch, finding a new car insurance company is not as hard as you think.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

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