2017 Audi A6 Insurance Rates

Want cheaper car insurance rates for your Audi A6? Nobody that owns a car likes paying for car insurance, especially when they know their premiums are too high. Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to get the best rates possible.

If you have a current auto insurance policy or need new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Buying car insurance is quite easy. Drivers just need to learn the proper methods to compare prices online.

How to get insurance quotes

Most companies allow consumers to get coverage prices direct online. The process doesn’t take much effort as you just enter your coverage preferences as detailed in the form. After the form is submitted, the quote system automatically retrieves information on your driving record and credit history and quotes a price. Online price quotes makes comparing rates easy, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to find lower prices.

The easiest way to find lower prices utilizes a single form to return rates from several different companies. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable. After your information is entered, it is quoted and you can choose any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To save time and fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter the limits and deductibles as close as possible to your current policy. Doing this guarantees you will receive rate comparison quotes using the exact same coverages.

These discounts can lower your insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there could be available discounts to reduce the price significantly. Many of these discounts will be applied automatically at quote time, but a few need to be specifically requested before they will apply.

  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course in high school.
  • Homeowners Pay Less – Owning a home can earn you a little savings since home ownership is proof of financial responsibility.
  • Low Mileage – Maintaining low annual mileage could be rewarded with cheaper premium rates.
  • Early Switch Discount – A few insurance companies allow discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Anti-theft Discount – Cars and trucks with anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • Multi-car Discount – Having multiple cars or trucks with one company can get a discount for every vehicle.

You should keep in mind that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic.

Companies and a partial list of their discounts can be read below.

  • State Farm includes discounts for good student, Steer Clear safe driver discount, accident-free, safe vehicle, multiple autos, and good driver.
  • GEICO policyholders can earn discounts including emergency military deployment, defensive driver, good student, daytime running lights, and five-year accident-free.
  • Liberty Mutual discounts include new move discount, newly married, multi-car, teen driver discount, hybrid vehicle, and newly retired.
  • The Hartford has savings for driver training, air bag, defensive driver, anti-theft, vehicle fuel type, and good student.
  • MetLife may include discounts for defensive driver, multi-policy, claim-free, good driver, good student, and accident-free.
  • Progressive offers premium reductions for online signing, multi-vehicle, homeowner, multi-policy, online quote discount, good student, and continuous coverage.

When comparing rates, check with all the companies how you can save money. Some discounts may not apply in every state. To choose insurers with significant discounts, follow this link.

Smart consumers save money

Consumers need to have an understanding of some of the factors that are used to determine your insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

  • Rates and your address – Having an address in a small town has definite advantages when insuring your vehicles. Less people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have more road rage incidents and higher rates of accident claims. More time behind the wheel means more chance of being in an accident.
  • More than one policy can earn a discount – Some insurance companies allow better rates to clients who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare rates to help ensure you have the lowest rates. You may still save money even if you have your coverage with different companies
  • Cars with good safety ratings lower premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Discounts for married drivers – Getting married may cut your premiums compared to being single. Marriage translates into being more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.
  • Eliminate unneeded extra coverages – There are a ton of add-on coverages that can waste your money on your insurance policy. Coverages like rental car reimbursement, death and dismemberment, and extra equipment coverage are some examples. They may seem like a good idea when discussing your needs, but if you don’t need them consider taking them off your policy.
  • Better insurance rates with anti-theft devices – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • How many miles do you drive? – Driving a lot of miles annually the higher your rates will be. Most companies rate vehicles based on their usage. Cars used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. An incorrectly rated A6 may be costing you. Double check that your policy states the correct usage for each vehicle, because it can save money.

Different people need different auto insurance coverages

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when making deliveries for my home business?
  • Where can I get insurance after a DUI in my state?
  • How much liability coverage do I need in my state?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Drivers who switch save $415 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, Allstate and GEICO. All the companies try to convey promises that you’ll save big just by switching your policy.

How does every car insurance company charge lower premium rates?

Car insurance companies quote their cheapest rates for the type of driver that earns them a profit. For example, a profitable risk profile could be over the age of 40, has never had a policy lapse, and chooses high deductibles. A customer getting a price quote that matches those criteria is entitled to the best price and as a result will probably cut their rates if they switch.

Potential customers who don’t qualify for the requirements will be quoted a more expensive rate which translates to the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can confidently claim big savings. Because every company is different, you really need to compare price quotes frequently. It’s not possible to predict which company will have the lowest rate quotes.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage, hitting a deer and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage, medical expenses and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, funeral costs, dental work, pain medications and ambulance fees. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your A6 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Be a Smart Shopper

Some auto insurance companies may not offer internet price quotes smaller companies work with independent agencies. Budget-conscious 2017 Audi A6 insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

In this article, we covered a lot of ways to compare 2017 Audi A6 insurance rates online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even find the lowest rates come from some of the lesser-known companies. They can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

As you quote insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your goal is to get the best coverage possible at an affordable rate, but do not skimp to save money.

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