View 2016 Audi A6 Insurance Rates

Trying to find the cheapest insurance rates? Buyers have options when searching for the lowest priced Audi A6 insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage for a Audi and get the cheapest rates from local insurance agents and online providers.

If you have a current insurance coverage policy or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. The purpose of this article is to help educate you on how to get online quotes and some tips to save money. Consumers just need to know the proper methods to buy insurance coverage on the web.

How to Get Insurance Coverage

Finding a better price on insurance coverage doesn’t have to be difficult. Just spend a little time to compare rate quotes online from several insurance companies. This can be done in a couple of different ways.

  • The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. One form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  • A harder way to shop for insurance coverage online is spending the time to visit each company’s website to complete a price quote. For instance, let’s assume you want to compare Allstate, Esurance and Progressive. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure to compare identical quote information for each comparison quote. If each company quotes differing limits it will be very difficult to determine the lowest rate for your Audi A6.

Why you might be paying too much to insure your Audi A6

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

The list below includes a partial list of the pieces companies use to determine rates.

  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Your age impacts your rates – Youthful drivers are statistically proven to be more careless in a vehicle so they pay higher insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Poor credit can mean higher rates – A driver’s credit score is a big factor in calculating your insurance rates. People with good credit tend to be more responsible than those with lower credit ratings. So if your credit rating is low, you could potentially save money when insuring your 2016 Audi A6 by improving your credit score.
  • Men pay higher rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents in similar numbers, but men cause more damage. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance rates.

Don’t miss out on these money-saving discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but some must be specially asked for before you will receive the discount. If you’re not getting every credit available, you’re just leaving money on the table.

  • Government Employees – Active or retired federal employment can save as much as 8% on A6 coverage depending on your company.
  • Accident Waiver – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut your premiums.

A partial list of companies that may offer these benefits include:

Before buying, ask all companies you are considering how you can save money. Some discounts may not be available in every state.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help highlight if you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • What is no-fault insurance?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I put collision coverage on all my vehicles?
  • Do I need added coverage for expensive stereo equipment?
  • When can I cancel my policy?
  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage options for an Audi A6

Having a good grasp of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as hospital visits, ambulance fees, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, emergency aid, attorney fees, structural damage and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi A6.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Feed the piggy bank

Cheap 2016 Audi A6 insurance can be purchased online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just presented a lot of ways to shop for insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the lesser-known companies.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford.

Additional car insurance information is located at the links below