2003 Audi A6 Insurance Quotes

Tired of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers. Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest rate possible.

The best way to compare rate quotes utilizes the fact most of the bigger providers participate in online systems to quote your coverage. All consumers are required to do is provide a little information like if it has an anti-theft system, which vehicles you own, deductibles desired, and your job. That rating data is then sent to insurance companies and they return quotes with very little delay.

To check rates for your Audi A6 , click here then complete the form.

Ads can be misleading

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all seem to make the same claim about savings after switching your policy.

How do they all make the same claim?

All companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk might be over the age of 40, has no prior claims, and has great credit. Any driver who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile will be charged higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently advertise the savings.

That is why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Why your Audi A6 insurance rates may be high

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. Understanding what determines base rates enables informed choices that can help you get much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting your rates.

  • Liability insurance protects assets – Your policy’s liability coverage provides coverage if ever you are found liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying on your A6 policy. Insurance for roadside assistance, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • How many coverages with the same company – Some companies give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your A6 may be wasting your money.
  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Careers like real estate brokers, architects and financial analysts are shown to have higher average rates attributed to job stress and long work days. Conversely, professions such as farmers, engineers and performers pay the least on A6 insurance.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, vandalism, or theft. The more expense you have to pay, the less your company will charge you for insurance on A6 insurance.
  • Traffic citations inflate rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one citation can bump up the cost by twenty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Being married is a good thing – Getting married can get you a discount on your policy. Marriage means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Most are applied at the time you complete a quote, but a few must be manually applied before you will receive the discount. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • No Accidents – Claim-free drivers pay much less compared to drivers who are more careless.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut your premiums.

Car insurance companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.

Situations that might require an agent

When it comes to buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether you might need professional guidance.

  • What exactly is covered by my policy?
  • What is high-risk coverage and where do I buy it?
  • At what point should I drop full coverage?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage if my license is suspended?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the difference between comprehensive and collision coverage?
  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Liability insurance – Liability insurance protects you from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, court costs, legal defense fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, vandalism, hitting a deer and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, ambulance fees, doctor visits, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Collision coverage – This will pay to fix damage to your A6 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Pennies from heaven

Lower-priced 2003 Audi A6 insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

We just presented a lot of tips how to get a better price on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even find the biggest savings come from an unexpected company. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about insurance is located at the links below