How Much Does 2014 Audi A6 Insurance Cost?

Are you tired of robbing Peter to pay Paul to pay auto insurance each month? You have the same problem as many other drivers. Due to the large number of insurance companies to choose from, it’s difficult to choose the right insurance company.

You should take the time to get comparison quotes every six months because auto insurance prices tend to go up over time. If you had the best rates for A6 coverage last year there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate the only way to reduce your cost while improving coverage.

Cut your insurance rates with discounts

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and the harder-to-find discounts that you may qualify for.

  • Homeowners Savings – Owning a house may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
  • Military Discounts – Being on active deployment in the military could be rewarded with lower insurance rates.
  • Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can receive discounts as much as 30%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
  • Paperless Signup – Some larger companies provide a small discount get insurance coverage digitally online.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for A6 coverage than less cautious drivers.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like State Farm and Allstate will let one accident slide without getting socked with a rate hike so long as you are claim-free for a set time period.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Some of the larger companies that may offer quotes with most of the discounts above include:

When getting a coverage quote, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. To see providers that offer some of these discounts, click here to view.

How to find cheap auto insurance

All major auto insurance companies like Allstate and Progressive allow you to get coverage prices directly from their websites. Obtaining pricing is possible for anyone as all you need to do is type in as detailed in the form. After the form is submitted, the quote system requests reports for credit and driving violations and returns a price based on many factors. Online quotes simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms gets old quite quickly. But it is imperative to have as many quotes as possible if you want to get better auto insurance pricing.

The preferred way to find cheaper rates is to use a quote form to obtain quotes from many companies. It’s a real time-saver, requires less work, and makes rate comparisons a little more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. The whole process just takes a couple of minutes and may result in a nice savings.

In order to find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you replicate the limits and deductibles as close as possible to your current policy. Doing this guarantees you’re receiving a fair comparison for the exact same coverage.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Do I pay less for low miles?
  • Should I sign the liability waiver when renting a car?
  • Is upholstery damage covered by car insurance?
  • Does coverage extend to my business vehicle?
  • Should I rate my 2014 Audi A6 as pleasure use or commute?
  • Am I insured when driving a different vehicle?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Car insurance 101

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Auto collision coverage

Collision coverage pays for damage to your A6 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, structural damage and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2014 Audi A6.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, funeral costs, EMT expenses, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Money doesn’t grow on trees

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Budget-friendly insurance coverage is possible online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and usually these smaller providers only sell coverage through independent agencies.

You just read a lot of ways to save on 2014 Audi A6 insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with the smaller companies. Regional companies may only write in your state and offer lower premium rates compared to the large companies like State Farm or Progressive.

Additional insurance coverage information can be found at these links: