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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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.
Here’s what I found out. Live in Great Falls, MT. I quoted with American Family, Safeco, and Travelers for my 1996 Audi A6 and am saving around $60 a year. I think they have home insurance too.
I’ve insured with 21st Century for a long time. Pretty cheap in Charleston, West Virginia.
Does 21st Century insure at replacement cost?
Does Progressive offer multi-policy discounts?
Live in Denver, CO. Got prices from Hanover, American Family, MetLife, and a couple others for my 1996 Audi A6 and saved just over $110 a year. Was with MetLife. LOL It’s only liability tho.
Hope my car insurance gets cheaper. I’m in the south part of Providence, RI. Quoted quotes from Auto-Owners, Eastwood, and Sentry for my Audi and saved about $100 a year. I just carry liability insurance.
From a town just southwest of Bismarck, North Dakota. Not sure of all the companies but I ended up saving about $30 each month. They offer free online rate quotes.
Here’s my info. Quoted with Amica for my Audi and saved around $60 a year. I have several vehicles insured with them. They have free quotes online.
From west side of Aurora, CO. I don’t recall every quote but I ended up saving about $20 each month. Insured with Esurance before. :) I don’t insure for physical damage though.