Compare 2011 Audi A6 Car Insurance Rates

Looking for better insurance coverage rates for your Audi A6? Expensive insurance coverage can overdraw your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to make sure you’re not throwing money away.

Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a company and uncover the absolute best rate

It’s a good habit to get comparison quotes quite often because rates tend to go up over time. Despite the fact that you may have had the best deal for A6 insurance a year ago you can probably find a lower rate today. So block out anything you think you know about insurance coverage because I’m going to teach you the tricks you need to know to save on insurance coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is easy if you know what you’re doing. But consumers should learn how insurance companies determine prices and take advantage of how the system works.

Free Car Insurance Quotes

There are several ways to get quotes and find the best price. The best way to find competitive 2011 Audi A6 insurance rates involves getting comparison quotes online. This can be done in several different ways.

  1. The most efficient way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each company you want a rate for. Taking the time to complete one form will get you rate comparisons from multiple companies.
  2. A harder way to get comparison quotes is spending the time to visit each company website to request a price quote. For example, let’s assume you want rates from GEICO, Liberty Mutual and State Farm. To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended way to get comparison rates is to drive around to different agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the personal advice only provided by licensed agents. However, consumers can obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but compare apples-to-apples coverages and limits with every price quote. If you use higher or lower deductibles it’s impossible to determine which rate is truly the best. Slightly different coverage limits may result in large price differences. It’s important to know that comparing a large number of companies will enable you to find lower pricing.

Are you getting all your discounts?

Car insurance companies don’t always publicize all their discounts very clearly, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for A6 insurance with a few insurance companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for A6 insurance than less cautious drivers.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.

It’s important to understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not be offered everywhere.

When might I need an agent?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why am I required to buy high-risk coverage?
  • Do I need replacement cost coverage?
  • What companies insure drivers after a DUI or DWI?
  • What is no-fault insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need roadside assistance coverage?
  • When can my company non-renew my policy?
  • What is medical payments coverage?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Why your Audi A6 insurance rates may be high

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in better insurance rates.

The list below includes a few of the “ingredients” that factor into premiums.

  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a sure-fire way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Don’t sacrifice liability coverage – The liability section of your policy is the protection when you are found liable for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Consolidate policies to earn discounts – Some companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Your job and insurance rates – Occupations like judges, business owners and dentists are shown to have the highest average rates attributed to job stress and long work hours. Other professions such as actors, historians and the unemployed pay the least for A6 insurance.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies provide cheaper rates to policyholders who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Audi A6 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Better credit means lower rates – Credit history is a large factor in your rate calculation. So if your credit history is not that good, you could potentially save money when insuring your 2011 Audi A6 by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.

Coverages available on your policy

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Auto collision coverage

This will pay to fix damage to your A6 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, hitting a mailbox, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like funeral expenses, bail bonds and structural damage. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for bills like doctor visits, dental work, pain medications and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, hail damage, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Audi A6.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Save your hard earned cash

We’ve covered a lot of tips how to reduce 2011 Audi A6 insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the best price on insurance coverage is with the smaller companies. They often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

The cheapest insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. A few companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

More detailed insurance coverage information is available in these articles: