Maybe your insurance company calls the coverage by different names than mine. At Travelers:
Liability: Required by law. Covers any damage you do to other peoples property, and personal injury to yourself, occupants in your car, and anyone else in an accident you cause.
Comprehensive: Covers fire, theft, vanalism, broken windows… but not damage resulting from an accident that you cause.
Collision: Covers damage to your car in an accident that you caused.
Some companies wont give you comprehensive coverage unless you also have collision coverage. Over the years they have learned that people will wreck their own cars, then report them as stolen - so most require you to have both, unless maybe the car is off the road (a collectors item stored in a garage).
I talked to a boss of mine whos owned 7 Audis over the past 8-9 years (long story) but he said the average insurance for a mid 90s A4 is $150-$250, right around where I expected.
I’ve worked on computers on/off since I was 14, washed dishes (20 hours a week) under the table coming up 9 months now and just got back from a job interview at Staples (I got it!) for another 15-20 hours a week. I’m the person that when you go out with your friends, goes to the matinee cinema (unless its snakes on a plane, tonight!) to save money. I’ve wanted a nice car since I was like 8 and now that I have the money, I want to buy something nice.
It’ll also be paid off in full the day I buy it, but I’m still debating C&C coverage. I’ll have to see how much extra it would cost me.
Vespas are a good idea, I’m actually planning on getting a sport bike if I move somewhere with a nicer climate for college. The problem is the New England winters, if you don’t have 4 wheel drive (or quattro awd :D) don’t expect to go anywhere.
I was also considering a cheaper car, like the VW Jetta or GTI. However the awd, leather seats, moonroof and overall luxury of Audi switched me over. They also aren’t tooo expensive. A '98 A4 Quattro with a V6 2.8l (174hp) and about 100k miles on it can be had for around the $8,000 mark.
I got my license in the fall of 1999 and was very careful about driving. Winter of '99 was a whole different story, at the time I was driving a 1991 Dodge Spirit and I had a heck of a time in the winter from my lack of experience.
It’s nice your going and buying a nice Audi, but even with AWD your not invincible in the snow (as much as Audi claims to be). So just be careful, and think about your choice of car at this point in time, maybe like previously posted, a beater to get used to driving for ~ a year or so and continue saving your money up for an even better car (or newer A4).
Thanks, I am getting my license in November but am not totally sure when I’m getting the car. A part of me says “now!” but another is telling me to wait until February, when the snow gets lighter. I also think waiting will help me get a lower price, since it is now seen as another year older (2007 instead of 2006).
I want to add something that I forgot to mention and no one else did either.
If you increase your deductible it will lower your rates.
If you can afford it (if you ever need to make a claim) go for a $500 or $1000 deductible instead of $100 or no deductible at all.
How’s this work? If you have a $100 deductible and then you have $750 in damages then you pay the first $100 and then the insurance covers the rest, $650. If you can afford to pay more out of your pocket in case of incident, the less your carrier has to pay, the less you will pay for coverage.
Body style of the vehicle will also affect the rates. You pay less for 4 drs and wagons than you do for 2 drs.
Some insurance companys also ask about the registration type. Here in CT some companies charge more for a “Combination” registration/plates than a regular one. You don’t have to worry about this with an Audi but here in CT it has to be taken into account with most pick-ups and some full size vans that CT won’t allow to be registered without ‘stepping’ up the registration to “Combination” even though the vehicle will NEVER be used for work purposes.
Maybe, maybe not. Some places have embraced gender equity in law, and insurance companies cannot charge different rates for males and females. I also suspect that the accident rates between teen girls and guys has converged.
My sister just got her insurance yesterday. I think she might be a guy because she now pays more than I do with the same plan. She drives a '97 Hyundai Elantra. 4 door whatnot. $750 every 6 months. Mine’s only about $500 every 6 months. I would check my bill but I just threw it out.
With the marginal difference in insurance costs you might as well get the vehicle you wanted.
How many miles? I see you got it from a dealer so it sounds like you have a warranty of some sort.
The only thing I’d worry about is see how it is in the snow. Having all wheel drive is one thing but some of the performance tires don’t do well in snow. You might have to get different tires or if you like the current tires get a second set of rims and mount other tires for the winter. Before you do anything you’ll have to see how it is in the first few storms.
I guess I’ll get to see it at one of the meetings coming up.