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: Mar 13, 2018

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Searching for lower auto insurance rates for your Audi Cabriolet? Did a good deal turn into an underperforming, overpriced auto insurance policy? It’s a common feeling and you’re not the only one. Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates to find the cheapest price

Quote insurance online

Getting a cheaper price on 1994 Audi Cabriolet insurance can be surprisingly simple. The only requirement is to spend a few minutes comparing free car insurance quotes online from several insurance companies. This can easily be done in just a few minutes using one of these methods.

  1. The simplest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This style of form prevents you from having to do separate quotes for each company you want a rate for. In just a few minutes this one form will return quotes from several companies.
  2. A different way to compare rate quotes requires visiting the website for every company you want to comare and get a separate price quote. For sake of this example, we’ll assume you want to compare rates from GEICO, Progressive and GMAC. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The last way of getting rate comparisons is to spend your day driving to all the different insurance agencies. Comparing rates online has made agencies unnecessary unless you prefer the peace of mind that only an agent can give. If you prefer, some companies allow you to comparison shop your insurance online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you use equivalent coverage data on every quote. If you enter higher or lower deductibles you can’t possibly determine which company has the best rates.

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

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More affordable rates by taking advantage of discounts

Companies that sell car insurance don’t list all possible discounts in an easy-to-find place, so below is a list a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts available, you are just wasting money.

  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better premium rates if you take out a life policy as well.
  • Telematics Discount – Insureds who allow driving data submission to track driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Cars – Having multiple cars with the same company may reduce the rate for each vehicle.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a set time period.
  • E-sign – Many insurance coverage companies give back up to $50 for signing up over the internet.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Auto insurance companies that have many of the previously listed discounts are:

When comparing rates, check with every company what discounts are available to you. All car insurance discounts might not be offered on policies in your area.

How much car insurance do I need?

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What if I total my 1994 Audi Cabriolet and owe more than it’s worth?
  • Am I covered by my spouse’s policy after a separation?
  • Is my camper covered by my car insurance policy?
  • Can my teen drive my company car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Coverage for liability

This provides protection from damage that occurs to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, bail bonds, medical services, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as doctor visits, hospital visits, X-ray expenses, nursing services and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, fire damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.