Pay Less for Audi 100 CS Insurance in Five Minutes or Less

Drivers have a choice when trying to find the lowest priced Audi 100 CS insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to get price quotes for a new or used Audi and find the cheapest rates either online or from local insurance agents.

It’s a great practice to shop coverage around yearly because rates are variable and change quite frequently. Just because you had the best deal on 100 CS coverage two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the right way to find better coverage at a better price.

Fast and Easy Car Insurance Quotes

Finding lower car insurance rates is not rocket science. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This can be done using a couple different methods.

• One of the best ways consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form eliminates the need for repetitive form entry to each individual car insurance company. A single, simple form will get you price quotes . Recommended for those who want to invest the least amount of time.
• Another way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For example, let’s assume you want to compare GEICO, Allstate and Travelers. You would have to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare the exact same information for each comparison quote. If each company quotes different liability limits it will be very difficult to find the best deal for your Audi 100 CS.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Paperless Signup – A few companies give back up to $50 just for signing your application online.
• Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on 100 CS coverage with certain companies.
• Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
• Low Mileage Discounts – Fewer annual miles on your Audi could qualify for discounted rates on garaged vehicles.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on 100 CS coverage than their less cautious counterparts.
• Service Members Pay Less – Being deployed with a military unit can result in better rates.
• Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on 100 CS coverage.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce your premiums.

To choose insurers with discount car insurance rates, click here.

Everyone needs different coverages

When it comes to buying coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

• Should I sign the liability waiver when renting a car?
• Should I have combined single limit or split liability limits?
• Am I covered when using my vehicle for business?
• How much liability coverage do I need in my state?
• Do I benefit by insuring my home with the same company?
• Do I need medical payments coverage since I have good health insurance?
• When would I need additional glass coverage?
• Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

These factors can influence Audi 100 CS insurance rates

Consumers need to have an understanding of some of the elements that go into determining car insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are some of the factors companies use to determine rates.

• Are you male or female? – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both have accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
• Older drivers save more – Teenage drivers tend to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
• Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Audi is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Marriage brings a discount – Having a spouse actually saves money on car insurance. Having a spouse translates into being more mature and statistics show drivers who are married are more cautious.
• Never allow your policy to lapse – Driving with no insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will your rates increase, failure to provide proof of insurance might get you a steep fine or even jail time.
• Lower rates with optional equipment – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

Is there deception in advertising?

Drivers can’t get away from ads that promise big savings from companies such as State Farm, Allstate and GEICO. All the companies say the same thing of big savings after switching your policy.

How does each company say the same thing?

Different companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured could possibly be over the age of 40, has no tickets, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and most likely will save when switching.

Drivers who are not a match for the “perfect” profile will have to pay higher prices which usually ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can claim big savings.

Because of the profiling, you should compare as many rates as you can. You cannot predict which company will have the lowest rates.

Buy online or local, you save

Drivers switch companies for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, unfair underwriting practices or delays in responding to claim requests. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

In this article, we presented a lot of ways to compare Audi 100 CS insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. Consumers could even find that the best prices are with a small mutual company.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many situations where someone dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.