Cheaper 1996 Audi A6 Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

Since you have so many companies and agents to choose from, it is very difficult to locate the cheapest company.

It’s smart to do price comparisons yearly since prices go up and down regularly. Even if you think you had the lowest price for A6 insurance a few years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

Buy car insurance online

There are several ways to compare prices from all the different companies. The best method to find competitive 1996 Audi A6 insurance rates is to get quotes online. This can be done using a couple different methods.

1. The most efficient method consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company. A single form gets you price quotes instantly.
2. A different way to analyze rates requires visiting the website for every company you want to comare to complete a price quote. For example, we’ll pretend you want to compare prices for Farmers, Geico and Progressive. You would need to navigate to each company’s site and enter your information, which can take a lot of time.

   For a list of companies in your area, click here.

Whichever way you use, make sure you are using apples-to-apples coverage limits on every quote. If you enter different liability limits it will be impossible to get a fair rate comparison. Having just a slight variation in insurance coverages could throw off the whole comparison. And when comparison shopping, making a lot of price comparisons helps locate a lower rate than you’re paying now.

Car insurance quotes and discounts

Some companies do not advertise all possible discounts in an easy-to-find place, so we break down both the well known and the more hidden credits that may apply to you.

• Accident Free – Insureds who avoid accidents and claims pay much less in comparison to bad drivers.
• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for A6 insurance.
• Military Discounts – Being on active duty in the military could be rewarded with lower car insurance rates.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the medical payments premium.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a auto insurance quote.
• Organization Discounts – Being in specific professional or occupational memberships or organizations can get you a small discount on your bill.
• Life Insurance Discount – Larger car insurance companies have a small discount if you purchase life insurance.
• First Accident Forgiveness – Not necessarily a discount, but companies like Geico and Allstate will let one accident slide without the usual rate increase with the catch being you have to be claim-free prior to the accident.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount should help lower your car insurance premiums.

A list of companies and a partial list of their discounts can be read below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, accident-free, passive restraint, driver’s education, and multiple autos.
• American Family may offer discounts for accident-free, multi-vehicle, Steer into Savings, TimeAway discount, and bundled insurance.
• AAA offers premium reductions for pay-in-full, education and occupation, good driver, AAA membership discount, and multi-car.
• Geico may include discounts for emergency military deployment, multi-vehicle, air bags, seat belt use, military active duty, membership and employees, and driver training.
• Mercury Insurance has savings for age of vehicle, multi-policy, accident-free, type of vehicle, and location of vehicle.
• Farmers Insurance offers discounts for good student, teen driver, bundle discounts, pay in full, early shopping, youthful driver, and distant student.
• Progressive has discounts for good student, multi-vehicle, homeowner, online signing, continuous coverage, multi-policy, and online quote discount.

If you want cheap auto insurance quotes, ask every prospective company which discounts you may be entitled to. Some discounts listed above may not apply to policies in your state. To locate insurers who offer discounts, click this link.

Save money with these tips

Multiple criteria are considered when you get your auto insurance bill. Most are fairly basic such as your driving record, but other factors are more transparent such as your credit history or your commute time.The best way to find cheaper auto insurance is to take a look at some of the things that go into determining the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get lower auto insurance prices.

• What are your physical damage deductibles? – The deductibles you choose are how much you are required to spend if the claim is covered. Physical damage protection, aka comp and collision, protects your car from damage. A few examples of covered claims could be collision with another vehicle, fire damage, and damage caused by road hazards. The more you’re willing to pay, the less your auto insurance will be for A6 insurance.
• Auto insurance rates may be lower depending on your employer – Jobs such as real estate brokers, social workers and miners are shown to have higher rates than average because of intense work situations and incredibly demanding work hours. Conversely, occupations like scientists, athletes and the unemployed pay lower than average rates for A6 insurance.
• Good drivers pay lower costs – Drivers who don’t get tickets receive lower rates as compared to careless drivers. Just one ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who have received flagrant citations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
• Drivers with responsible credit save on auto insurance – A driver’s credit score can be an important factor in calculating your premium rate. People that have good credit tend to be more responsible than those with worse credit. If your credit is low, you could save money insuring your 1996 Audi A6 if you clean up your credit.
• Safer cars cost less to insure – Safe vehicles cost less to insure. Safer cars result in less severe injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy.
• Do you qualify for a multi-policy discount? – Most companies provide discounts to people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, you may still want to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
• Where you reside plays a part – Living in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Lower population means less chance of accidents in addition to fewer liability claims. People in densly populated areas regularly have more auto accidents and longer commutes to work. The longer drive time means more chance of being in an accident.
• Defend yourself with liability protection – Liability insurance kicks in if you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you will benefit from professional help.

• Should I get collision insurance on every vehicle?
• What is high-risk coverage and where do I buy it?
• Do I benefit by insuring my home with the same company?
• Should I have a commercial auto policy?
• Is my dog or cat covered if injured in an accident?
• When should I not file a claim?
• Do I have coverage if my license is suspended?
• Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Is there truth in advertising?

Car insurance providers like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make an identical promise that you can save if you move your coverage. How does every company charge you a lower premium? You have to listen carefully.

Many companies quote their best rates for the type of insured that will generate a profit. For instance, a profitable risk profile could possibly be married and over the age of 30, has had continuous coverage, and drives less than 5,000 miles a year. A customer who fits those characteristics will qualify for the lowest prices and will probably save a lot of money.

Insureds who don’t measure up to this ideal profile will have to pay a higher rate which leads to the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently make those claims. This really emphasizes why it is so important to quote coverage with many companies. It is impossible to guess with any certainty which company will provide the lowest auto insurance rates.

Coverage specifics

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Collision insurance

Collision insurance pays for damage to your A6 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for hospital visits, ambulance fees and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, falling objects and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This gives you 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 Audi A6.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as pain and suffering, structural damage, attorney fees, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

A little work can save a LOT of money

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In too many instances, an insured dropped full coverage only to discover later they didn’t have enough coverage. Your objective should be to find the BEST coverage at the best cost while not skimping on critical coverages.

In this article, we covered many ways to reduce 1996 Audi A6 insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the lowest prices come from the least-expected company. They often have lower rates on specific markets as compared to the big name companies such as State Farm and Allstate.

More affordable insurance can be purchased on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not have online rate quotes and most of the time these regional insurance providers prefer to sell through independent agents.

Other information

• Distracted Driving (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)