Compare 2017 Audi A6 Insurance Quotes

Searching for the cheapest car insurance rates for your Audi A6? Comparison shopping for cheap Driverscar insurance may be frustrating for drivers who have little experience buying insurance online. Because there are so many companies competing online, it can quickly become a difficult situation to locate the lowest price.

Five things that determine your insurance rates

Many different elements are used in the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, although some other factors are more obscure like where you live or your vehicle rating.Smart consumers have a good feel for a few of the rating criteria that help calculate auto insurance rates. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with cheaper rates.

  • Little extras can really add up – Policies have additional extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for replacement cost coverage, better glass coverage, and term life insurance may not be needed and are just wasting money. They may sound like good ideas at first, but if you don’t need them eliminate them to save money.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity means your insurance company pays less and thus lower rates.
  • Bundle policies and save – Some insurers afford better rates to clients that have more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to verify if the discount is saving money.
  • Lower premiums with GPS tracking and theft deterrents – Selecting a car model that has a built-in theft deterrent system can get you a discount on your auto insurance. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.
  • Don’t skimp on liability insurance – Liability insurance will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Take advantage of every auto insurance discount

Companies don’t always publicize all available discounts in a way that’s easy to find, so we researched a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for A6 insurance as compared to drivers with claims.
  • Telematics Data Discounts – Policyholders that allow data collection to monitor driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
  • Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on a single policy can get a discount on all vehicles.
  • Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy before your current expiration date. The savings is around 10%.
  • Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • No Charge for an Accident – This one is not really a discount per se, but some insurance companies allow you one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
  • Policy Bundle Discount – If you combine your homeowners and auto policies and insure them with the same company you could earn a discount of nearly 15% which can help you find cheaper insurance.
  • Government Employee Discount – Employees or retirees of the government can save as much as 8% for A6 insurance with a few auto insurance companies.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Large auto insurance companies and the discounts they provide can be found below.

  • State Farm includes discounts for safe vehicle, anti-theft, Steer Clear safe driver discount, defensive driving training, accident-free, driver’s education, and student away at school.
  • Esurance policyholders can earn discounts including good driver, claim free, online quote, anti-theft, DriveSense, safety device, and good student.
  • Progressive has savings for continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.
  • Liberty Mutual offers discounts including newly retired, safety features, newly married, hybrid vehicle, and good student.
  • Auto-Owners Insurance offers discounts for multiple vehicles, air bags, multi-policy, group or association, safe driver, company car, and good student.
  • Geico may offer discounts for defensive driver, driver training, emergency military deployment, air bags, and membership and employees.

If you want cheaper insurance quotes, ask each company or agent how many discounts you can get. All car insurance discounts might not be offered in your area.

Can you really save $408 a year?

Big name companies like Allstate, Geico and Progressive continually stream ads on TV and radio. All the ads convey the message of big savings if you move your policy. How is it possible that every company can sell you cheaper insurance coverage? You have to listen carefully.

Insurance providers offer their best rates for the type of driver that will be a good risk. One example of a desirable insured might have to be a female over age 40, is a homeowner, and drives newer vehicles. Any driver who matches those parameters gets the lowest premium rates and have a good chance to save a lot of money.

Insureds who are not a match for these criteria may receive higher premiums and ends up with the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can advertise the way they do.

That is why you need to compare as many free insurance quotes as you can. Because you never know the company that will give you the biggest savings.

How to know if you need help

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

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

  • What is an SR-22 filing?
  • Who is covered when they drive my 2017 Audi A6?
  • How does medical payments coverage work?
  • Who is covered by my policy?
  • How much liability coverage do I need in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance specifics

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

Coverage for medical expenses – Med pay and PIP coverage pay for bills like ambulance fees, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your A6 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, falling objects, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not 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. Your policy might show liability limits of 100/300/100 which stand for $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. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, funeral expenses, attorney fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2017 Audi A6.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be a Smart Shopper

We’ve covered some good ideas how to compare 2017 Audi A6 insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the biggest savings come from a small local company.

Cheaper 2017 Audi A6 insurance can be bought from both online companies and with local insurance agents, so you need to quote insurance with both to have the best selection. A few companies may not offer online price quotes and usually these regional insurance providers sell through local independent agencies.

Consumers who switch companies do it for a variety of reasons including high prices, questionable increases in premium, an unsatisfactory settlement offer or lack of trust in their agent. It doesn’t matter why you want to switch switching insurance coverage companies is less work than it seems.

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