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: Feb 17, 2018

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When searching for more affordable insurance, do you get confused by the wide range of insurance companies that you can choose from? There are such a large number of options that it can really be hard work to lower your premium rates.

Smart consumers take time to compare prices once or twice a year since insurance prices tend to go up over time. Just because you had the lowest rates on Cabriolet insurance at your last renewal a different company probably has better rate quotes today. There is a lot of wrong information about insurance on the internet, but I’m going to show you a bunch of ideas how to put money back in your pocket.

If you have car insurance now, you should be able to reduce your rates substantially using this information. Finding affordable protection is quite easy. But car owners benefit from understanding the way companies determine prices and use this information to your advantage.

Compare insurance rates

Comparing insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

The majority of car insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote based on that data. This saves time by eliminating quote forms to each company.

To find out how much you’re overpaying now click to open in new window.

The only drawback to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you want to select specific insurance companies to compare, we put together a list of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use the exact same deductibles and coverage limits for each comparison quote. If each company quotes higher or lower deductibles it’s impossible to get a fair rate comparison. Just a small difference in limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding more affordable rates.

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

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How your Cabriolet insurance prices are determined

Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although some other factors are more transparent like your continuous coverage and annual miles driven.

The list below includes a few of the things used by your company to calculate premiums.

  • Gender and auto insurance costs – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Men and women cause auto accidents at a similar rate, but guys have accidents that have higher claims. They also have more aggressive citations like driving under the influence (DUI).
  • How old are your drivers? – Youthful drivers have a tendency to be inattentive when driving with friends so insurance rates are higher. Older drivers are more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Where do you drive? – Driving more miles in a year’s time the more it will cost to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Vehicles that do not get driven very much cost less to insure compared to those used for work or business. An incorrectly rated Cabriolet can cost quite a bit. It’s a good idea to make sure your insurance coverage correctly shows the correct driver usage.
  • Vehicle features impact rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Auto insurance discounts help reduce rates

Auto insurance is not an enjoyable expense, but there’s a good chance there are discounts that many consumers don’t even know exist. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be asked for prior to getting the savings.

  • Lower Rates for Military – Being on active duty in the military could trigger a small discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Life Insurance – Some auto insurance companies give a discount if you purchase some life insurance too.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class if offered at their school.
  • Safe Drivers – Drivers who avoid accidents could pay up to 40% less on Cabriolet insurance as compared to drivers with claims.
  • Early Switch Discount – A few insurance companies allow discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Clubs and Organizations – Affiliation with a qualifying organization can get you a small discount on auto insurance.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and some of their more popular discounts are:

  • State Farm discounts include Drive Safe & Save, driver’s education, Steer Clear safe driver discount, anti-theft, and multiple autos.
  • American Family may offer discounts for good driver, defensive driver, bundled insurance, air bags, TimeAway discount, Steer into Savings, and multi-vehicle.
  • GEICO policyholders can earn discounts including seat belt use, air bags, anti-theft, emergency military deployment, anti-lock brakes, and multi-policy.
  • 21st Century offers premium reductions for air bags, teen driver, driver training, automatic seat belts, early bird, 55 and older, and anti-lock brakes.
  • Progressive offers discounts including homeowner, online signing, multi-policy, online quote discount, and multi-vehicle.

Before you buy a policy, ask every prospective company to give you their best rates. Savings may not be available in your state. For a list of insurance companies that offer the discounts shown above, click here.

Which is the best auto insurance?

When choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • Is motorclub coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver?
  • Do I need higher collision deductibles?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

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

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Car insurance policy coverages for an Audi Cabriolet

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like prosthetic devices, surgery, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, court costs, bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi Cabriolet.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Collision coverage

Collision insurance will pay to fix damage to your Cabriolet caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, falling objects, hitting a bird and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

What is YOUR best insurance company?

We covered many ideas to shop for 1998 Audi Cabriolet insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a small local company.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, unfair underwriting practices, policy non-renewal and even policy cancellation. Whatever your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Some insurance companies do not offer the ability to get quotes online and many times these smaller companies provide coverage only through local independent agents. Budget-friendly insurance can be found online and from local agencies, so compare prices from both so you have a total pricing picture.

Much more information about insurance is available below: