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: Jul 3, 2018

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Trying to find the cheapest insurance rates for your Audi 90? Are you at wits end from sacrificing to pay your insurance bill each month? You are no different than millions of other drivers.

Since drivers have many different company options, it can be impossible to choose the lowest cost insurance company.

It’s a good idea to shop coverage around before your next renewal because prices are constantly changing. Just because you had the best deal for 90 insurance a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money.

Take advantage of every auto insurance discount

Some insurance providers don’t always publicize all disounts in a way that’s easy to find, so we break down both well-publicized and the more hidden credits that may apply to you. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.

  • Air Bag Discount – Factory air bags can receive discounts of 20% or more.
  • Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote auto insurance for 90 insurance but check with your company.
  • Distant Student Discount – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Pay Now and Pay Less – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • More Vehicles More Savings – Buying coverage for all your vehicles with the same company can reduce the rates for all insured vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
  • Organization Discounts – Joining qualifying clubs or civic groups could earn you a nice discount on auto insurance.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

To locate insurance companies offering auto insurance discounts, click here.

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

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Low cost insurance quotes

There are a lot of ways you can shop for insurance but one way is more efficient than others. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get the quickest rates.

Most of the larger companies participate in an industry program that enables customers to enter their policy data once, and every company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests to every company.

To enter your information into the quoting system, click here to open in new window.

The single downside to doing it this way is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select individual companies to compare prices, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to use exactly the same coverage data with each company. If your comparisons have differing limits it’s impossible to get a fair rate comparison. Having just a slight variation in insurance coverages or limits may result in large price differences. And when price shopping your coverage, comparing a wide range of rates increases the change that you will find a lower rate than you’re paying now. Not every company does online rate quotes, so it’s important to also get quotes on coverage from those companies, too.

Cut insurance costs with these tips

Many different elements are used when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are not quite as obvious like where you live or how financially stable you are.

The items below are some of the factors companies use to determine your prices.

  • Higher prices for specific occupations – Do you have a high-stress occupation? Jobs like military generals, business owners and emergency personnel tend to have the highest average rates due to intense work-related stress and extremely grueling work hours. Conversely, jobs like actors, students and the unemployed receive lower rates for 90 insurance.
  • Lower rates with a multi-policy discount – The majority of insurers provide discounts to policyholders that buy multiple policies, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other insurance prices to verify if the discount is saving money.
  • Urban residents pay more – Being located in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. People who live in big cities regularly have traffic congestion and higher rates of accident claims. Fewer drivers translates into fewer accident claims.
  • Lower mileage equals lower premium – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based on their usage. Vehicles that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your 90 is just wasting money. It’s a smart idea to ensure your vehicle rating is showing the correct usage for each vehicle.
  • Liability is important – The liability section of your policy will protect you in the event that a jury decides you are liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Vehicle theft costs us all – Choosing to buy a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.

How to know if you need help

When choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered when using my vehicle for business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my teen drive my company car?
  • What is an SR-22 filing?
  • How much liability do I need to cover my assets?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I buy a commercial auto policy?
  • How do I insure my teen driver?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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

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Insurance companies are expert advertisers

Insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all advertise claims that drivers can save some big amount just by switching your coverage to them. How does every insurance company save you money? It’s all in the numbers.

Insurance companies have strict underwriting profiles for the type of insured that will most likely be profitable. For instance, this type of risk profile should be over the age of 35, has had continuous coverage, and has excellent credit. Anyone who matches those parameters will qualify for the lowest car insurance rates and is almost guaranteed to save money with a new company.

Potential insureds who may not quite match this ideal profile will be charged a higher premium which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can advertise the way they do. This really illustrates why drivers should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will have the lowest car insurance rates for your situation.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills such as doctor visits, X-ray expenses, ambulance fees, dental work and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, vandalism and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1994 Audi 90.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover 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 might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Get your money’s worth

We just covered many tips how you can get a better price on 1994 Audi 90 insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Cheap 1994 Audi 90 insurance can be found from both online companies as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and usually these small insurance companies provide coverage only through independent insurance agencies.

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