1996 Audi A6 Insurance Quotes

Finding the cheapest insurance for your Audi A6 can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for auto insurance and we’ll show you the quickest way to price shop coverage for a new or used Audi and find the cheapest rates from both online companies and local agents.

You should make it a habit to do price comparisons before your policy renews because prices are rarely the same from one policy term to another. Even if you got the best deal on A6 insurance a few years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the proper way to reduce your cost while increasing coverage.

If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. Buying affordable protection can be fairly easy. Drivers just need to learn the proper way to find the lowest price online.

How your A6 insurance costs are determined

Multiple criteria are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious such as whether you are married or your commute time.

  • Insurance companies don’t like frequent insurance claims – If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies award the lowest premiums to insureds who do not file claims often. Your car insurance is intended to be relied upon for larger claims.
  • Gender matters – Over time, data shows women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Both sexes cause accidents in similar percentages, but guys tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.
  • Never let your car insurance expire – Not having insurance is a big no-no and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, getting caught without coverage can result in a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Advanced alarms and GPS tracking – Choosing a vehicle with advanced anti-theft systems can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • High physical damage deductibles save money – Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your Audi. A few examples of covered claims are a broken side mirror, vandalism, and damage caused by flying debris. The deductibles you choose tell how much you are required to spend in the event of a claim. The more the insured is willing to pay, the bigger discount you will receive on A6 insurance.
  • Tickets and citations cost more than a fine – How you drive has a huge affect on how much you pay. Attentive drivers receive lower rates as compared to those with violations. Even one driving citation could increase your next policy renewal by as much as thirty percent. Drivers who have gotten multiple violations like DUI, reckless driving or excessive speeding are required to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.

You may qualify for discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be inquired about prior to receiving the credit.

  • Discount for Home Ownership – Owning your own home or condo can get you a discount because it requires a higher level of personal finance.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Audi may enable drivers to earn better auto insurancerates on cars that stay parked.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

A partial list of companies that may offer quotes with most of the discounts above are:

If you want low cost insurance coverage quotes, ask each insurance company to apply every possible discount. A few discounts may not be available in your state. If you would like to view insurance companies that offer many of these discounts, click here to view.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements that claim the cheapest premium rates by companies like Allstate, Geico and Progressive. All the companies make the point of big savings if you change your auto insurance policy to them.

That’s great but how can every company give you a better price?

Most companies have underwriting criteria for the type of driver that will not have excessive claims. A good example of a driver they prefer may be over the age of 45, has few claims, and drives less than 10,000 miles a year. Any person that fits those parameters is entitled to the best price and have a good chance to cut their rates if they switch.

Potential insureds who cannot meet these criteria may receive higher premiums which translates to the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” can save as much as they claim. This is how companies can make the claims of big savings.

Different companies use different criteria so drivers must compare free insurance coverage quotes often. Because you never know which auto insurance company will be your best fit.

There’s no such thing as the perfect auto insurance policy

When it comes to buying the best auto insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • Do I need rental car coverage?
  • Is business property covered if stolen from my car?
  • Should I get collision insurance on every vehicle?
  • Is my teen driver covered when they drive my company car?
  • Why is insurance for a teen driver so high?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance 101

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, dental work and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, hitting a deer and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t 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 commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1996 Audi A6.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

More effort can pay off

We’ve covered a lot of information how to reduce 1996 Audi A6 insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the lowest priced insurance comes from a small mutual company.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many cases, an insured cut full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best price while still protecting your assets.

Some insurance providers may not offer rate quotes online regional carriers prefer to sell through independent agencies. Budget-friendly insurance can be bought from both online companies as well as from insurance agents, so you need to compare both to have the best selection.

Additional information can be read below: