Lower Your 1995 Audi A6 Insurance Rates

Do you think you bought high-priced auto insurance? You’re preaching to the choir because many consumers feel financially strained by their auto insurance policy. Due to the abundance of insurance providers from which to choose, it is hard for the average consumer to pick the lowest price company.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Consumers only need to know the tricks to shop online.

How to compare insurance quotes

Reducing your 1995 Audi A6 insurance rates can be quick and easy. Consumers just need to take time to compare rate quotes to find out which insurance company has inexpensive auto insurance quotes. You can get a good selection of rate quotes in several different ways.

The single most time-saving way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form eliminates the need for a different quote for every company. Completing one form compares rates direct from many companies.

A different way to compare prices requires you to visit each company’s website and go through the quote process again. For sake of this example, let’s say you want comparison quotes from Progressive, Liberty Mutual and American Family. To do that, you would have to go to every website to enter your coverage information, which can be really labor intensive.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, do your best to enter identical quote information for each comparison quote. If you are comparing different deductibles it will be next to impossible to determine which company has the best rates.

Take policy discounts and save

Companies offering auto insurance don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the below list has a few of the more common as well as the least known ways to save on insurance coverage.

• Government Employees – Being employed by or retired from a federal job may reduce rates when you quote auto insurance for A6 coverage with certain companies.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
• Multiple Vehicles – Buying coverage for primary and secondary vehicles with one company may reduce the rate for each vehicle.
• Life Insurance – Not all companies offer life insurance, but some may give you better premium rates if you take out a life policy as well.
• Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates for A6 coverage than their less cautious counterparts.

As a sidenote, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

Some of the insurance companies who may offer many of the previously listed discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Double check with every prospective company which discounts you may be entitled to. Some credits may not apply in your area. To see a list of insurance companies with discount insurance coverage rates, click this link.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

• Is my camper covered by my car insurance policy?
• Is my dog or cat covered if injured in an accident?
• Am I covered when driving a rental car?
• Where can I get insurance after a DUI in my state?
• Does insurance cover damages from a DUI accident?
• Am I missing any policy discounts?
• What exactly is covered by my policy?
• What if I total my 1995 Audi A6 and owe more than it’s worth?
• Will filing a claim cost me more?
• Can I get a multi-policy discount?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Learn how to find auto insurance at a discount

A large part of saving on auto insurance is knowing the factors that go into determining the price you pay for auto insurance. If you have a feel for what determines premiums, this enables informed choices that may reward you with big savings.

• Costs for guys may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean males are worse at driving than females. Women and men tend to get into auto accidents in similar numbers, but the men have accidents that have higher claims. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving.
• Costs may be higher where you live – Living in a rural area may provide you with better prices when shopping for auto insurance. Less people means a lower chance of having an accident. Drivers in populated areas have more road rage incidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
• Save by driving safer vehicles – Vehicles that have high safety ratings are cheaper to insure. These vehicles protect occupants better and lower rates of occupant injuries means less claims paid passed on to you as lower rates. If your Audi earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Don’t cut corners with liability coverage – Your policy’s liability coverage will provide protection if ever you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Youthful drivers cost more – Inexperience drivers tend to get distracted easily when driving so auto insurance rates are higher. Parents adding a young driver onto your auto insurance can be quite pricey. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.

Switch companies and save? Really?

Consumers can’t ignore all the ads that claim the best premium rates from companies such as Progressive, Allstate and Geico. All the companies say the same thing that you can save if you move your car insurance policy to them.

How does every car insurance company save you money?

All the different companies provide the lowest rates for the right customer that will add to their bottom line. An example of a profitable risk profile might have to be married and over the age of 30, has a low-risk occupation, and drives less than 10,000 miles a year. A customer getting a price quote that fits those parameters receives the best premium rates and is almost guaranteed to save money with a new company.

Insureds who are not a match for this ideal profile may be required to pay a higher rate and ends up with the prospect going elsewhere. If you listen closely, the ads state “people that switch” not “everybody who quotes” save the amount stated. That’s why companies can make the claims of big savings. Because each company has a different risk profile, drivers should do a quote comparison often. You cannot predict which insurance companies will give you lower rates than your current company.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, pain medications, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, falling objects, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Audi A6.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as medical services, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

One last thing about your coverage

Throughout this article, we presented some good ideas how to lower your 1995 Audi A6 insurance prices. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper auto insurance. You may even find the best prices are with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Cheaper insurance is possible both online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and usually these small insurance companies sell through local independent agents.

For more information, feel free to visit the articles below:

• Rental Car Insurance Tips (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)