Are Your Audi 100 CS Auto Insurance Rates Too High?

Have you fallen victim to overpriced auto insurance? Trust us when we tell you you’re not alone. Insurance companies such as Allstate and Progressive continually bombard you with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to price shop coverage occasionally due to the fact that insurance rates tend to go up over time. If you had the lowest rates on 100 CS coverage a couple years back you can probably find a lower rate today. Starting right now, forget all the misinformation about auto insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

If you have a policy now or are looking for a new policy, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to know the best way to find the lowest price online.

Free Quotes for Auto Insurance

There are a variety of methods to compare auto insurance quotes, and some are easier and takes less work. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use the web to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company can provide price quotes based on that information. This prevents consumers from doing form submissions to each company. To compare rates using this form now click to open in new window.

The one downside to comparing rates this way is you don’t know exactly which insurance companies to receive prices from. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples information for every quote you compare. If you compare higher or lower deductibles it’s impossible to make an equal comparison.

Buyer beware of auto insurance advertising tricks

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. All the companies say the same thing that you can save if you switch your coverage to them.

How can each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and as a result will probably save a lot of money.

Consumers who fall outside these standards will be charged a more expensive rate which leads to the customer not buying. The ads say “people who switch” not “everybody who quotes” save money. That is how companies can truthfully make the claims of big savings. That is why you absolutely need to get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Audi 100 CS rates influenced by many factors

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

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

Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Never allow your policy to lapse – Allowing your auto insurance policy to lapse is a quick way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations such as lawyers, business owners and financial analysts have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, professions such as scientists, engineers and homemakers get better rates on 100 CS coverage.
Performance influences rates – The performance of the car you are insuring makes a big difference in your rates. Due to the fact that the Audi 100 CS is classified as a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live. Economy passenger vehicles receive the most favorable rates, but the final cost of insurance is determined by many other factors.
A clean driving record saves money – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even a single ticket can boost insurance rates twenty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Companies offer discounts so take them!

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
Government Employees – Being employed by or retired from a federal job can save as much as 8% on 100 CS coverage with a few auto insurance companies.
Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Do I just need basic coverages?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

How high should my uninsured/underinsured coverage be in my state?
Does medical payments coverage apply to all occupants?
Does my insurance cover my expensive audio equipment?
Can I afford to pay high deductible claims out of pocket?
Exactly who is provided coverage by my policy?
How much liability do I need to cover my assets?
How much liability coverage do I need in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Cheaper insurance is a realistic goal

Cheaper Audi 100 CS insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone dropped collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.