2014 Audi A6 Insurance Quotes – 10 Tips for Best Rates

Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other consumers.

You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it can be more challenging to get the best deal.

Don’t miss out on these ten money-saving discounts

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

  • E-sign – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings when shopping for insurance coverage on A6 coverage.
  • Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on A6 coverage than their less cautious counterparts.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies who might offer some of the above discounts are:

Check with each company which discounts they offer. All car insurance discounts may not apply in every state.

Free Auto Insurance Quotes

There are several ways to compare quotes and find the best price. The easiest way by far to find the cheapest 2014 Audi A6 insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The fastest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quotes for each company. Taking the time to complete one form will return price quotes instantly.
  • A harder way to analyze rates requires visiting each company website to request a price quote. For instance, we’ll pretend you want comparison quotes from Geico, Safeco and Allstate. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended way to get comparison rates is to waste gas driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance of a licensed agent. You can, however, comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, ensure you are comparing the exact same coverages with each company. If you are comparing different liability limits it’s not possible to make a fair comparison for your Audi A6. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies gives you a better chance of getting the best price.

Do I need special coverages?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • When should I remove comp and collision on my 2014 Audi A6?
  • Am I covered when driving on a suspended license?
  • Is my trailer covered?
  • Will filing a claim cost me more?
  • Am I covered if I crash into my own garage door?
  • Do I need higher collision deductibles?
  • Where can I get insurance after a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Does having multiple vehicles earn me a discount?
  • How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2014 Audi A6.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

Collision insurance will pay to fix damage to your A6 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, EMT expenses, ambulance fees and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Coverage for liability

This protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by 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 liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, loss of income and medical services. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, fire damage, damage from flooding, rock chips in glass and damage from getting keyed. The highest amount 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 probably time to drop comprehensive insurance.

Final thoughts

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

We just covered many ideas to shop for 2014 Audi A6 insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from the least-expected company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Lower-priced insurance is available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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