How Much Does 2013 Audi A6 Insurance Cost?

Searching for better insurance rates for your Audi A6? Having to pay for high-priced insurance can overdraw your budget, especially in this economy. Price shopping at each renewal is recommended to cut your insurance bill.

Companies like State Farm and GEICO constantly blast consumers with TV and radio ads and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

It’s important to shop coverage around at least once a year because prices are rarely the same from one policy term to another. Even if you think you had the best rate on A6 coverage two years ago you can probably find a better premium rate now. Ignore everything you know about insurance because you’re going to get a crash course in the things you must know in order to find lower rates on insurance.

Compare free car insurance rate quotes

Effectively comparing car insurance prices can take hours if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day driving to insurance agencies in your area, or you can utilize online quotes to achieve your goal.

Many of the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quote requests to each company.

To compare pricing click here to start a free quote.

The single downside to using this type of form is that you can’t choose which providers to get pricing from. If you prefer to choose specific providers to compare rates, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep apples-to-apples coverage limits and deductibles on every quote. If you are comparing differing limits it will be nearly impossible to find the best deal for your Audi A6.

Insurance coverage policy discounts

Insurance coverage is neither fun to buy or cheap, but you might already qualify for some discounts that many people don’t even know exist. Some trigger automatically when you purchase, but some may not be applied and must be inquired about before you get the savings.

  • Senior Discount – Drivers that qualify as senior citizens could receive a discount up to 10% on A6 coverage.
  • Membership in Organizations – Being in qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
  • Homeowners Pay Less – Owning your own home or condo can help you save on insurance coverage because owning a home requires personal responsibility.
  • Telematics Discount – Drivers who elect to allow companies to track driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
  • Waiver for an Accident – but a handful of insurance companies allow you one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.

You should keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and a summarized list of policyholder discounts are outlined below.

  • State Farm offers premium reductions for Drive Safe & Save, multiple policy, Steer Clear safe driver discount, defensive driving training, safe vehicle, passive restraint, and multiple autos.
  • Liberty Mutual may include discounts for teen driver discount, multi-car, newly married, good student, preferred payment discount, and new vehicle discount.
  • American Family policyholders can earn discounts including defensive driver, good student, mySafetyValet, air bags, bundled insurance, TimeAway discount, and accident-free.
  • Progressive includes discounts for multi-vehicle, multi-policy, online quote discount, homeowner, online signing, and continuous coverage.
  • Farmers Insurance may offer discounts for alternative fuel, business and professional, youthful driver, pay in full, and teen driver.
  • Auto-Owners Insurance has savings for air bags, student away at school, good student, safe driver, anti-lock brakes, multi-policy, and group or association.
  • SAFECO offers discounts for anti-theft, teen safe driver, drive less, anti-lock brakes, safe driver, and teen safety rewards.

When getting a coverage quote, ask every company which discounts can lower your rates. Savings may not be offered in every state. For a list of insurance coverage companies who offer free insurance coverage quotes, click here to view.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if you might need professional guidance.

  • Does coverage extend to my business vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I benefit by insuring my home with the same company?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to buy liability insurance?
  • How high should my medical payments coverage be?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

How do car insurance companies determine Audi A6 insurance rates?

Lots of things are used when pricing auto insurance. Some are obvious such as traffic violations, although others are not quite as obvious like your vehicle usage or your financial responsibility.

The itemized list below are just a few of the factors used by companies to determine your rate level.

  • Premiums can change based on your address – Having an address in less populated areas is a positive aspect when talking about car insurance. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with much more traffic and a longer drive to work. More time behind the wheel means a statistically higher chance of an accident.
  • Car insurance liability limits – The liability coverage on your policy is the protection if ever a court rules you are at fault for causing personal injury or damage in an accident. It will provide for a legal defense which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Only buy what you need – Insurance policies have a lot of additional coverages that may not really be needed if you aren’t diligent. Insurance for rental car reimbursement, better glass coverage, and extra equipment coverage may be wasting your money. The coverages may be enticing initially, but your needs may have changed so get rid of them and save.
  • Is you employer costing you more? – Occupations such as real estate brokerspolice officers and stock brokers usually pay higher average rates due to high stress levels and long work hours. Conversely, careers like actors, historians and the unemployed have the lowest average rates on A6 coverage.
  • A lpolicy lapse is a bad thing – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
  • Pay more by driving carelessly – Your driving record has a big impact on rates. Good drivers have lower premiums than people who have multiple driving citations. Only having one chargable violation can bump up the cost by as much as twenty percent. Drivers who have license-revoking violations like DUI or willful reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.

Coverage specifics

Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi A6.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, doctor visits, hospital visits, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

As you prepare to switch companies, you should never reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to reduce 2013 Audi A6 insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the lowest prices come from an unexpected company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Additional insurance coverage information can be read at these links: