2004 Audi A6 Car Insurance Rates

Having to pay for expensive insurance can sap your budget and maybe even restrict other spending. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

There is such a variety of insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to locate the cheapest rates.

Consumers should take time to do rate comparisons before your next renewal due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest price for A6 coverage two years ago a different company probably has better rates today. Forget all the misinformation about insurance because you’re going to get a crash course in the fastest way to save on insurance.

The method we recommend to compare insurance rates from multiple companies is to know the trick most insurance companies have advanced systems to provide you with free rate quotes. To get started, all you need to do is provide a little information like marital status, coverage limits, your general credit rating, and the type of vehicles you drive. Your insurance information is automatically sent to all major companies and they return rate quotes instantly.

To find the cheapest car insurance rates, click here and complete the quick form.

Lower rates by qualifying for discounts

Insurance can be pricey, but you may be missing some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you complete an application, but some must be specially asked for before being credited.

  • Distant College Student Discount – Kids living away from home attending college and leave their car at home may qualify for this discount.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower insurance rates.
  • Passive Restraint Discount – Options like air bags or automatic seat belts can receive discounts of more than 20%.
  • Cautious Drivers – Accident-free drivers can save as much as half off their rates for A6 coverage than less cautious drivers.
  • Government Employees – Simply working for the federal government can save as much as 8% for A6 coverage but check with your company.

Please keep in mind that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you could get a free insurance policy, insurance companies wouldn’t stay in business. Any qualifying discounts will lower the amount you pay for coverage.

A few of the larger companies and their offered discounts can be read below.

  • Farmers Insurance offers discounts including electronic funds transfer, bundle discounts, good student, alternative fuel, and mature driver.
  • State Farm may offer discounts for student away at school, driver’s education, passive restraint, defensive driving training, multiple autos, and anti-theft.
  • Liberty Mutual has discounts for good student, newly retired, new graduate, multi-policy, newly married, safety features, and multi-car.
  • MetLife offers premium reductions for claim-free, good driver, multi-policy, defensive driver, accident-free, and good student.
  • Progressive includes discounts for online quote discount, continuous coverage, good student, online signing, homeowner, and multi-vehicle.

When comparing rates, check with every company which discounts you qualify for. A few discounts might not be offered in your state.

Insurance coverage is unique, just like you

When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Should I get collision insurance on every vehicle?
  • Should I carry comprehensive and collision coverage?
  • Do I need an umbrella policy?
  • Does my insurance cover a custom paint job?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage options for an Audi A6

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses for ambulance fees, chiropractic care, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi A6.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage will pay to fix damage to your A6 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and does not provide coverage for 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 values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, funeral expenses, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Spend less. Save more.

We just showed you many tips how you can reduce 2004 Audi A6 insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the most savings is with an unexpected company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut physical damage coverage and found out when filing a claim that they should have had better coverage. Your focus should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

Affordable 2004 Audi A6 insurance can be bought on the web in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not offer rates over the internet and most of the time these regional insurance providers provide coverage only through local independent agencies.

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Comments About 2004 Audi A6 Insurance

  1. Tequila Stanley

    Proud to be from West Valley City, Utah. Quoted quotes from GEICO, Hanover, and Esurance for my 2004 Audi A6 and saved $71 a year. Have a couple speeding tickets too.

  2. Lindsay Dalton

    Does Allstate offer multi-policy discounts?

  3. Tomi Allen

    Lifelong resident of Fort Smith, Arkansas. I got free rates from Amica, Nationwide, and some smaller one I can’t remember the name of for my 2004 Audi A6 and saved about $100 a year. I get lower rates because of my clean driving record. Full coverage costs too much.

  4. Billy Williams

    If you have a clean record and live around Concord, NH, check out State Farm. You might save some money. I have a couple other vehicles on the policy. Still almost need a second mortgage. I just carry liability insurance.

  5. Evelynn Wright

    If you’re a decent driver and live in the vicinity of Fayetteville, AR, check out Progressive. I saved quite a bit. Can still barely afford it.

  6. Bethann Medina

    Can you buy custom paint coverage for a 2004 Audi A6?

  7. Georgiana Fry

    Well-written and thought out article. From Evansville, Indiana. Quoted prices from GEICO, Farmers, and Hanover for my A6 and saved just over $60 a year. Ask about discounts. Did it all online.

  8. Dollie Noble

    Quoted with Amica for my Audi and saved around $70 a year. Left USAA to switch. Hopefully won’t need it. Not worth enough to pay for comprehensive and collision.