If you like classic cars and motor sports, you might have heard of the Audi Quattro. It was one of the vehicles that helped the Audi brand establish itself as a name competitor for other well-known car manufacturers. Whether you’re driving a classic Audi Quattro model or a contemporary descendant, understanding why and how to insure your vehicle is vital to protecting your assets if you’re involved in a vehicle-related incident.
What Is the Audi Quattro?
The Audi Quattro is a rally car, or competitive race car, first developed in the 1980s by the Volkswagen Group. It’s classified as a midsize two-door coupe with a longitudinal front engine and four-wheel drive. It was the first vehicle to use four-wheel drive in racing. Audi designed several Quattro models specifically for sport and racing, including the A1 and A2 evolutions and the Sport Quattro, both from the mid-1980s.
Production on the original Audi Quattro ceased in 1991, but Quattro-inspired car concepts emerged in the 2000s and 2010s. These include a 2010 Audi Quattro concept at the Paris Motor Show and a 2013 Audi Sport Quattro concept at the Frankfurt Motor Show. Today, Audi still uses the Quattro four-wheel-drive technology across its entire range of cars and SUVs.
Why Get Audi Quattro Insurance?
A classic Audi Quattro is now worth a lot of money. In fact, rare versions of the 1980s sports models may be worth up to $500,000. If your vehicle is a classic or collectable car, insuring it is a great way to protect a valuable asset. Unlike contemporary cars, classic cars gain value as they get older, so insuring it sooner rather than later can help you prepare for its eventual worth.
If you drive a more recent Audi Quattro or a contemporary car that uses Quattro technology, you might also benefit from car insurance. This is because many states require all drivers to insure their vehicles before hitting the road. The newest Audi creation using Quattro technology is the 2022 A4 Sedan, which has a starting price of $39,900. Insuring it can help protect the large investment you make when you purchase the vehicle.
Audi Quattro Insurance Provider Options
Restrictions on classic vehicle and sports car coverage vary between insurance companies. For example, some insurance companies might not cover luxury cars or sports cars, while others have monetary caps on luxury-vehicle coverage. This is because if the car is stolen or damaged, the exceptionally high value might make it difficult for the insurance company to cover the cost. If your car is worth more than the insurance value cap, you can gain coverage by contacting a specialty insurer.
Here are some of the best insurance companies that offer classic and collector car insurance:
- American Modern Insurance (GEICO)
- Safeco Insurance
- Hagerty (Progressive)
- American Collectors Insurance (USAA)
- Heacock Classic Insurance
- J.C. Taylor
- State Farm
Insurance Provider Options for Contemporary Audis
If you’re driving a contemporary car, you can choose to insure it directly from the manufacturer, or you might decide to find your own insurance company. Insuring a vehicle you use every day can help protect you in case of a collision, theft, vandalism, or natural disaster.
Here are some insurance providers to consider for your Quattro-powered vehicle:
- State Farm
- American Family
Factors To Consider When Choosing Your Car Insurance
Here are a few factors to research before making your insurance selection:
Classic cars gain value as they age, so it can be helpful to choose an insurance option that includes an inflation guard. This coverage automatically increases the coverage protection as your car gains value, with no extra charge to the owner. If you own a classic Audi Quattro, consider finding a deal that includes this feature or negotiating for it with the insurance provider.
Many insurance plans offer optional roadside assistance coverage. This ensures you’re covered in the event of a problem on the road. For example, you might receive coverage for a flat tire, fuel delivery, or tow truck. This is a useful insurance package for any vehicle, but it might be particularly important if you’re driving a classic car that’s more likely to experience challenges on the road.
Different states have unique minimum car insurance requirements for drivers. If a police officer stops you and you’re driving uninsured or underinsured, they might suspend your license. This means it’s important to check your local state insurance regulations if you plan to drive your Audi Quattro or Quattro-inspired vehicle. If you own a classic or racing model, you can also check state road regulations specific to your vehicle.
When researching insurance options, consider the type of customer service you expect. You can read reviews to learn how current customers feel about their customer service experiences and use this information to inform your decision. You might also prioritize the customer service experience you value most. For example, if you expect to do most of your insurance work online, look for a company with a strong website and client service app. If you prefer meeting in person, search for a company with a branch nearby.
Company stability is another important factor to consider, because it might affect your customer service or claims processing experience. While a young company might offer newer and more innovative coverage options or customer support technology, older and well-established companies often come with the institutional experience and abilities to manage challenges such as economic downturns or high numbers of insurance claims. As a client, it’s important to consider whether you’d prefer to invest in a company that is up and coming or can offer well-supported stability.
If you’re a classic car owner or enthusiast, you’ll appreciate how valuable a car like the Audi Quattro can be. Hopefully, you now understand how to insure Quattro vehicles of all generations. If you have questions, contact us online for assistance.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.