2012 Audi A6 Car Insurance Quotes

Looking for lower car insurance rates for your Audi A6? Feel like you’re a prisoner to high-priced car insurance? Believe me, there are many consumers feeling the pinch from expensive car insurance. With consumers having so many insurance providers from which to choose, it can be impossible to choose the most cost effective provider.

You need to price shop coverage on a regular basis because rates change regularly. Just because you had the lowest rates on A6 coverage last year there may be better deals available now. So block out anything you think you know about car insurance because it’s time to teach you the tricks you need to know to remove unneeded coverages and save money.

The purpose of this article is to let you in on how to get online quotes and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Consumers only need to know the proper methods to buy car insurance online.

Automobile Insurance Quotes

Most companies quote pricing on their websites. Getting online quotes doesn’t take a lot of time as you simply type in your required coverages into a form. When complete, the company’s rating system pulls reports for credit and driving violations and generates pricing information. Online price quotes helps simplify price comparisons, but having to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find the best price possible.

The easiest way to lower your rates requires only one form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes quoting online a lot less work. After sending your information, it is rated with multiple companies and you can pick any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To use this form to compare rates, click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate the coverage information as shown on your current policy. Doing this assures you’re receiving a rate comparison for exact coverage.

These discounts can lower your rates

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Memberships – Affiliation with a professional or civic organization may earn a discount on car insurance on A6 coverage.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on A6 coverage with select insurance companies.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Low Mileage Discounts – Fewer annual miles on your Audi could be rewarded with better rates on cars that stay parked.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better car insurance rates on A6 coverage.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

A partial list of companies that may have these money-saving discounts include:

Double check with each company which discounts you may be entitled to. Savings may not apply in every state.

Pieces of the Audi A6 insurance rate puzzle

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with lower insurance prices.

Listed below are some of the items companies use to determine rates.

  • With age comes lower rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be careless and easily distracted when driving therefore insurance rates are much higher.
  • Your spouse saves you money – Getting married helps lower the price when buying insurance. It is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • High deductibles save money – Physical damage deductibles define the amount you are required to spend before your insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more money you have to pay, the less your insurance will be on A6 coverage.
  • Your car’s features help determine rates – Owning a car with an alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Traffic citations inflate rates – Your driving citation history has a huge affect on how much you pay. Just one moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Rates may be lower depending on your job – Occupations like doctors, executives and accountants have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations like pilots, athletes and the unemployed get better rates on A6 coverage.

Different people need different coverages

When buying the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Who is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Is upholstery damage covered by car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I find DUI or SR-22 insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need replacement cost coverage on my 2012 Audi A6?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Is there deception in advertising?

Drivers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. All the companies have a common claim that you can save if you move your coverage to them.

But how can every company say the same thing?

All the different companies have a certain “appetite” for the driver they prefer to insure. For instance, a driver they prefer might be profiled as over the age of 50, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when switching.

Potential customers who do not match these standards will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings.

Because of the profiling, it’s extremely important to compare as many rates as you can. Because you never know which company will provide you with the cheapest Audi A6 insurance rates.

What auto insurance coverages do you need?

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2012 Audi A6.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, rolling your car, damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane, falling objects, rock chips in glass and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as dental work, X-ray expenses, surgery, chiropractic care and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage


Liability insurance protects you from damage or injury you incur to a person or their property 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. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects, pain and suffering and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Make a quick buck

In this article, we presented a lot of tips how to lower your 2012 Audi A6 insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

Cheaper insurance is possible on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer online price quotes and these smaller companies work with independent agents.

To learn more, take a look at the resources below: