Lower Your 2000 Audi A6 Insurance Cost

Trying to find cheaper insurance rates? Buyers have options when searching for affordable Audi A6 insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to find insurance online so we’re going to tell you the best way to quote coverages on a Audi and get the best price possible.

Lower rate quotes by taking advantage of discounts

Companies offering auto insurance do not list all their discounts very well, so the next list breaks down some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy life insurance.
  • Defensive Driver – Taking a class that teaches defensive driver techniques could save 5% or more and easily recoup the cost of the course.
  • Discount for Swiching Early – Some companies provide a discount for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Claim Free – Good drivers with no accidents have much lower rates as opposed to drivers who are more careless.
  • Senior Citizen Rates – Seniors are able to get reduced rates on A6 coverage.
  • Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less on A6 coverage than less cautious drivers.

We need to note that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will definitely reduce the premium cost.

Some companies who may offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To see a list of car insurance companies that offer multiple discounts, click this link.

How much auto insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Does my car insurance cover rental cars?
  • When can I cancel my policy?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability – Liability coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi A6.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, ambulance fees, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, damage from flooding, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Smart shoppers get results

Throughout this article, we presented a lot of information how to save on 2000 Audi A6 insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest insurance. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers switch companies for many reasons like delays in responding to claim requests, policy non-renewal, lack of trust in their agent or even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is easier than you think.

Some insurance coverage companies don’t offer internet price quotes and usually these regional insurance providers only sell through independent insurance agencies. More affordable insurance coverage can be found both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from.

Additional insurance coverage information is located at the links below