1996 Audi A6 Insurance Cost

Looking for the cheapest car insurance rates for your Audi A6? Have you had enough of paying out the nose to pay your car insurance bill each month? Your situation is no different than most other car owners. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a provider to find the lowest rate possible.

Insurance Quote Comparison

Comparing insurance rates can be exhausting if you don’t know the most efficient way to do it. You can waste hours talking to local insurance agents in your area, or you could use online quotes to achieve your goal.

Many insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions for every insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to using this type of system is you don’t know exactly which carriers you will receive quotes from. So if you prefer to choose from a list of companies to compare rates, we have a page of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare identical coverage information for each price quote. If each company quotes unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Misconceptions in auto insurance advertisements

Drivers can’t ignore all the ads for car insurance savings from companies such as State Farm and Allstate. All the companies make the same claim that you’ll save big after switching your policy.

How do they all say the same thing?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer might be over the age of 50, owns a home, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will be charged higher premiums which leads to business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently claim big savings.

That is why it is so important to quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Audi A6 insurance rates.

Audi A6 insurance premiums are calculated by many factors

Smart consumers have a good feel for the rating factors that go into determining insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.

  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • Bump up deductibles to save – Your deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be for A6 insurance.
  • Protect your assets with liability insurance – The liability section of your policy is the protection when you are found to be at fault for damages from an accident. It provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Too many insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide lower rates to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Do you need those extra coverages? – There are many extra bells and whistles that you can get tricked into buying on your insurance policy. Coverages like rental car reimbursement, accidental death and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Safer occupants lowers premiums – Safer cars are cheaper to insure. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Audi A6 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few must be asked for before you get the savings. If you’re not getting every credit available, you’re paying more than you need to.

  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance policy could earn a price break for each car.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

It’s important to note that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

A partial list of companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply everywhere.

You may need specialized coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I have newly-aquired coverage?
  • Am I covered if my car is in a flood?
  • Am I covered when delivering products for my home-based business?
  • Do I pay less for low miles?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Audi A6.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability car insurance

This will cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from getting keyed, theft and falling objects. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, nursing services, EMT expenses and dental work. 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 you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage covers damage to your A6 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, driving through your garage door, damaging your car on a curb, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

A fool and his money are soon parted

Cheap 1996 Audi A6 insurance can be bought both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

We’ve covered a lot of ways to save on insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the most savings is with the smaller companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

More detailed insurance information is located in the articles below: