1999 Audi A6 Car Insurance Quotes

Trying to find cheaper insurance for an Audi A6 can be difficult, but you can learn the following methods to save time.

There are more efficient ways to buy auto insurance and you need to know the absolute fastest way to quote coverages on a Audi and obtain the cheapest rates from both online companies and local agents.

Do you qualify for discounts?

Companies offering auto insurance don’t always advertise all possible discounts very well, so the below list has a few of the more common as well as some of the hidden credits that may apply to you.

• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
• Accident Waiver – but companies like Progressive, Allstate, and Geico will turn a blind eye to one accident before your rates go up if your claims history is clear prior to being involved in the accident.
• Own a Home – Being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.
• Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you could save up to 20% off your total premium.
• Multiple Vehicles – Having multiple vehicles with one company can get a discount on all vehicles.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next renewal.

Don’t be shocked that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you would end up receiving a 100% discount, you aren’t that lucky.

Companies and a summarized list of policyholder discounts can be found below.

• AAA discounts include anti-theft, multi-policy, education and occupation, AAA membership discount, good student, and pay-in-full.
• Progressive may include discounts for homeowner, continuous coverage, online signing, online quote discount, good student, multi-policy, and multi-vehicle.
• State Farm includes discounts for multiple autos, Steer Clear safe driver discount, accident-free, safe vehicle, and good student.
• Esurance may have discounts that include DriveSense, anti-lock brakes, Pac-12 alumni, renters, and online shopper.
• Nationwide has savings for good student, Farm Bureau membership, anti-theft, accident-free, easy pay, multi-policy, and business or organization.

If you need lower rates, check with every company which discounts they offer. Savings may not apply to policies in your state. To see a list of insurance companies that provide some of the discounts listed above, follow this link.

Shop insurance online

The majority of larger companies such as Allstate, Geico and Progressive make it easy to get price estimates on the web. Getting prices online is possible for anyone because you just enter the coverages you want into a form. Behind the scenes, their rating system sends out for credit information and your driving record and returns a price quote.

Online price quotes helps simplify price comparisons, but the work required to visit many different websites and type in your information can be a bit repetitive. But it is imperative to do this if you are searching for lower prices.

Rate comparisons made easy

An easier way to lower your rates makes use of a single form that obtains quotes from multiple companies. The form is fast, requires less work, and makes price shopping online much more enjoyable. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes that you receive.

If a lower price is quoted, you simply finish the application and buy the policy. This process just takes a couple of minutes and can result in significant savings.

To use this form to compare rates, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison based on similar coverages.

Six things that affect your insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help calculate your auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that could help you find lower auto insurance prices. Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but some are not as apparent such as whether you are married or your financial responsibility.

• A auto insurance lapse can increase rates – Driving any period of time without insurance is against the law and you will pay a penalty because you let your coverage have a gap. In addition to paying higher premiums, failure to provide proof of insurance could earn you a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Deductibles are a factor – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Audi. Examples of some claims that would be covered are colliding with a building, vandalism, and burglary. Your deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your auto insurance will be for A6 coverage.
• Reserve policy claims for larger damages – Insurance companies generally give the best rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for more catestrophic claims.
• Men drivers tend to cost more – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women are responsible for at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. They also get ticketed for serious violations such as reckless driving. Teenage male drivers have the highest risk to insure and therefore have the most expensive auto insurance rates.
• Car plus home equals more savings – Lots of companies afford a discount for people who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you qualify for this discount already, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
• Stress out and pay more – Jobs like lawyers, business owners and emergency personnel are shown to have higher premium rates in part from intense work requirements and long work hours. Other professions such as actors, historians and performers generally pay rates lower than average for A6 coverage.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs may require specific advice.

• Can I make deliveries for my home business?
• What happens if I owe more than my 1999 Audi A6 is worth?
• Are there companies who specialize in insuring high-risk drivers?
• Is upholstery damage covered by car insurance?
• If my 1999 Audi A6 is totaled, can I afford another vehicle?
• How high should my uninsured/underinsured coverage be in my state?
• What is the ISO rating for a 1999 Audi A6?
• What are the best liability limits?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Can you really save that much by switching?

Consumers can’t avoid all the ads for cheaper auto insurance by Allstate, Geico and Progressive. All the ads make an identical promise that you’ll save big after switching your coverage to them.

How does every company charge less that you’re paying now? It’s all in the words they use.

Insurance companies give the best rates for a prospective insured that will be a good risk. For example, a profitable risk profile may be over the age of 50, insures multiple vehicles, and drives a car with an anti-theft system. Any person that meets those criteria will get the preferred prices and will most likely pay quite a bit less when switching companies.

Potential customers who do not fit these stringent criteria will probably be forced to pay higher rates which leads to the customer buying from someone else. The trick companies use is to say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make those statements.

This really emphasizes why drivers should get as many free car insurance quotes as possible. Because you never know which insurance companies will have the best car insurance rates for your profile.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A6.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage – This coverage will cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for 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. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, rock chips in glass, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for surgery, pain medications, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your A6 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

More comparisons equals lower rates

As you quote car insurance, do not reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate.

Consumers switch companies for any number of reasons including high prices, denial of a claim, high rates after DUI convictions or even policy cancellation. Regardless of your reason, finding a new car insurance company is actually quite simple.

We just showed you many ideas to compare 1999 Audi A6 insurance auto insurance rates online. The key thing to remember is the more you quote car insurance, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Additional information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• State Car Insurance Guides (Geico)
• Preventing Carjacking and Theft (Insurance Information Insitute)