1998 Audi A6 Insurance Rates

Want better insurance coverage rates for your Audi A6? Shopping for the lowest price insurance coverage on the internet may be problematic for people not familiar with buying their insurance coverage online. When there are so many insurance companies available, how are people expected to possibly compare every company to locate better rates?

How to buy insurance coverage

When looking for cheaper insurance coverage quotes, there are a couple ways to compare quotes from insurance coverage companies in your area. The quickest method to find the lowest Audi A6 rates consists of shopping online. This can be done in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do separate quote forms for every company. One form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.

Another way to analyze rates is to manually visit each company’s website and complete a new quote form. For example, we’ll assume you want to compare rates from Auto-Owners, Farmers and GMAC. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, which is why most consumers use the first method.

For a list of companies in your area, click here.

If you have time to kill, the last method to find lower rates is calling or driving to all the different insurance agencies. Quoting and buying insurance online eliminates this option unless your situation requires the professional guidance of a local agency. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverages and limits for every quote you compare. If the quotes have mixed coverages you can’t possibly determine which company has the best rates. Slightly different coverage limits may cause a big price difference. And when comparison shopping, more quotes helps locate more affordable rates.

More discounts mean lower-cost premiums

Some insurance providers do not list every possible discount very well, so the following list contains a few of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

Memberships – Participating in a civic or occupational organization could earn you a nice discount on car insurance.
Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% for A6 insurance than drivers with accidents.
Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
Telematics Devices – Drivers who agree to allow companies to track driving patterns by using a telematic data system like Allstate’s Drivewise might get better premium rates if they have good driving habits.
Multi-car Discount – Buying a policy with all your vehicles on a single policy can reduce rates for all insured vehicles.
Good Students Pay Less – Getting good grades may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
Homeowners Pay Less – Owning a home can earn you a little savings since owning and maintaining a home demonstrates responsibility.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

The best car insurance companies and their possible discounts are outlined below.

GEICO offers premium reductions for emergency military deployment, good student, five-year accident-free, defensive driver, membership and employees, and daytime running lights.
MetLife has discounts for defensive driver, multi-policy, good driver, good student, accident-free, and claim-free.
Progressive policyholders can earn discounts including continuous coverage, online signing, multi-policy, good student, online quote discount, and homeowner.
Travelers has savings for good student, continuous insurance, early quote, payment discounts, new car, driver training, and home ownership.
SAFECO includes discounts for safe driver, teen safe driver, homeowner, teen safety rewards, and bundle discounts.
AAA may include discounts for multi-policy, good student, AAA membership discount, anti-theft, pay-in-full, and education and occupation.

Check with every prospective company how many discounts you can get. Some credits may not apply to policyholders in your area. To view insurers that provide some of the discounts listed above, click this link.

It’s not one size fits all

When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

Can I afford to buy a different vehicle if my 1998 Audi A6 is totaled?
Does insurance cover tools stolen from my truck?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Why am I required to get a high-risk car insurance policy?
Does my policy pay for OEM or aftermarket parts?
Should I sign the liability waiver when renting a car?
Can my teen drive my company car?
What if I total my 1998 Audi A6 and owe more than it’s worth?
Why am I required to buy liability insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your A6 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, sustaining damage from a pot hole, colliding with a tree, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for surgery, rehabilitation expenses, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Audi A6.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

1998 Audi A6 Insurance Rates – 8 Tips to Save