2004 Audi A6 Insurance Cost

Did a good deal turn out to be an expensive insurance policy? Say no more because many consumers are in the same pinch. There are many insurers to choose from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

It’s a good habit to do rate comparisons before your next renewal because insurance prices are variable and change quite frequently. Just because you had the best quotes for A6 coverage last year you will most likely find a better rate today. You can find a lot of wrong information about insurance online, but by reading this article, you’re going to learn a lot of great tips on how to stop overpaying for insurance.

This article will familiarize you with how car insurance quotes work. If you have car insurance now, you will most likely be able to cut costs considerably using this information. Drivers just need to understand the proper methods to get comparison quotes over the internet.

How much is car insurance?

Finding a lower price on 2004 Audi A6 insurance can be relatively painless. All you need to do is take time comparing rate quotes from different insurance companies. This can easily be done using a couple different methods.

The most efficient method consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do separate quotes for each price estimate. One quote request gets coverage cost estimates from all major companies.
A more difficult way to get quotes online is to manually visit each individual company website to complete a price quote. For example, we’ll assume you are doing a rate comparison from GEICO, State Farm and Farmers. You would be required to go to each individual site and repeatedly enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
The least efficient and most time consuming way to find cheaper rates is driving around to different agent offices. Buying insurance online makes this unnecessary unless you have a complicated situation and need the professional advice that can only be provided by a licensed insurance agent. You can, however, get prices online but buy the policy through an agent.

The approach you take is up to you, just ensure you’re using nearly identical coverage data on every price quote you get. If you enter mixed coverages it will be impossible to find the best deal for your Audi A6.

What insurance coverages do I need?

When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions might point out if you might need professional guidance.

What is UM/UIM insurance?
Is a blown tire covered by insurance?
Am I covered when using my vehicle for business?
Can I afford low physical damage deductibles?
Which is better, split liability limits or combined limits?
Can I afford to buy a different vehicle if my 2004 Audi A6 is totaled?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverage basics

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Audi A6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, court costs, medical services and loss of income. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for collisions

This coverage pays for damage to your A6 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, hitting a parking meter, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, ambulance fees, X-ray expenses and funeral costs. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.