Lower Your 2002 Audi A6 Car Insurance Cost

Looking for the cheapest insurance rates for your Audi A6? Comparison shopping for more affordable insurance might be difficult for drivers who have little experience online price comparisons. With so many companies in the marketplace, it can be a difficult mission to find cheaper coverage rates.

How much is insurance?

When looking for cheaper car insurance quotes, there are a couple ways of comparing rates from many insurance companies in your state. The fastest way to find affordable 2002 Audi A6 insurance rates consists of shopping online. This can be done in a couple minutes as outlined below.

If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do multiple quote forms to each individual insurance company. Completing one form compares rates instantly. Just one form and you’re done.
A less efficient way to analyze rates is to manually visit each company website and repeat the quote process. For example, let’s assume you want to view quotes from GEICO, 21st Century and Farmers. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
If you have time to kill, the last method to compare rates is to spend your day driving to and from local insurance agencies. Shopping for insurance online makes this unnecessary unless you want the professional advice of a local agent. It is possible to price shop your coverage online and get advice from an agent in your area.

The method you choose is up to you, but make absolute certain that you use exactly the same quote information on every quote you get. If each company quotes different coverage information it will be next to impossible to determine which company has the best rates. Just a small difference in coverage limits may cause a big price difference. And when comparing insurance rates, know that comparing all the rates in your area helps locate lower pricing. Some companies don’t provide online quotes, so it’s important to compare price quotes from them, too.

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Save money by taking advantage of discounts

Some providers don’t list all disounts very clearly, so the below list has both well-publicized as well as the least known discounts you could be receiving when you buy car insurance online.

Life Insurance Discount – Some insurance coverage companies give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
Homeowners Pay Less – Owning a house can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Discounts for New Vehicles – Adding a new car to your policy is cheaper because newer models have to meet stringent safety requirements.
Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for A6 insurance.
Auto/Home Discount – If you can combine your home and auto policy with one company you may earn up to 20% off your total premium.
ABS Braking Discount – Cars with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.

Don’t be surprised that most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride. But all discounts will definitely lower your insurance coverage premiums.

To locate insurers with significant discounts, click this link.

Decisions you make can impact your insurance costs

A large part of saving on auto insurance is knowing the rating factors that play a part in calculating your auto insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs.

Prices for men may be higher – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that men are WORSE drivers than women. Males and females cause fender benders in similar numbers, but men have costlier accidents. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.
Big city or small town – Having an address in areas with lower population has it’s advantages when buying auto insurance. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with more auto accidents and longer commutes to work. The longer drive time can result in more accidents.
Traffic violations drive up premiums – Having just one driving citation can increase the cost of insurance by as much as twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get multiple violations like DUI or reckless driving may be required to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
Use but don’t abuse your insurance – Auto insurance companies provide most affordable rates to people that do not abuse their auto insurance. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Lower miles equals lower premium – The more you drive each year the higher the price you pay to insure it. Most insurance companies calculate rates partially by how you use the vehicle. Cars that do not get driven very much cost less to insure than vehicles that are driven to work every day. It’s always a good idea to double check that your vehicle rating is rated on the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your A6 can result in significantly higher rates.
Coverage lapses lead to higher prices – Having an insurance coverage lapse is a quick way to increase your rates. And not only will your rates increase, the inability to provide proof of insurance could result in a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

How much auto insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

What happens if I owe more than my 2002 Audi A6 is worth?
How do I file an SR-22 for a DUI in my state?
Will my rates increase for filing one claim?
Am I covered if I break a side mirror?
Do I need motorclub coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Will filing a claim cost me more?
Does insurance cover damages from a DUI accident?
Does liability extend to a camper or trailer?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage myths debunked

Big name companies like Allstate and Progressive constantly bombard you with ads on TV and radio. They all convey the message that you can save after switching your coverage. That’s great but how can every company claim to save you money?

Many companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, a profitable risk profile might be between the ages of 30 and 45, has a clear driving record, and has excellent credit. Any person that fits those parameters receives the best car insurance rates and will most likely save some money.

Potential insureds who cannot meet those standards may receive higher rates and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save the amount stated. That’s the way companies can truthfully state the savings.

Because each company has a different risk profile, it is so important to compare quotes as often as possible. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

Specific coverages for an Audi A6

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, theft, vandalism, hail damage and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your A6 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, hitting a parking meter, damaging your car on a curb, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, hospital visits, nursing services and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

One last thing

Some insurance companies do not provide online rate quotes and these smaller companies only sell coverage through independent agents. Budget-conscious 2002 Audi A6 insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

Throughout this article, we presented some good ideas how you can lower your 2002 Audi A6 insurance prices. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company.

While you’re price shopping online, never buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate.

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