1991 Audi 200 Insurance Rates – 5 Tips to Save

Locating better insurance prices for an Audi 200 can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for a Audi and obtain the cheapest rates either online or from local insurance agents.

How to get auto insurance rate quotes

Comparing auto insurance rates can be a daunting task if you don’t know the most efficient way to do it. You can waste hours driving to local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace that enables customers to submit their information once, and at least one company provides a quote determined by their information. This eliminates the need for quotation requests to every company.

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

The one disadvantage to comparing rates this way is you can’t choose which providers you want pricing from. So if you want to select specific providers for rate comparison, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to enter the same deductibles and coverage limits for each comparison quote. If each company quotes different coverage information you will not be able to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions could help you determine if your situation would benefit from professional advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered when delivering products for my home-based business?
• Am I covered when driving someone else’s vehicle?
• Should I get collision insurance on every vehicle?
• Does coverage extend to my business vehicle?
• Can I still get insurance after a DUI?
• Do I have any recourse if my insurance company denies a claim?
• When does my teenage driver need to be added to my policy?
• Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance 101

Having a good grasp of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability insurance

This will cover injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your 200 resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, dental work, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, theft and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.