2008 Audi A6 Car Insurance Rates

Searching for better auto insurance rates for your Audi A6? Trying to come up with a payment for high-priced auto insurance can dwindle your checking account and force you to tighten up your finances. Comparing rates annually is a smart way to lower your bills every month.

There is such a variety of insurers to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance prices trend upward over time. Just because you found the best rates on A6 coverage at your last renewal there is a good chance you can find better rate quotes now. There are a lot of ways to save on auto insurance out there, but I’m going to show you some proven techniques to quit paying high auto insurance rates.

Insurance rates and discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but a few must be inquired about before you will receive the discount.

• Save with a New Car – Buying a new car instead of a used car is cheaper because new model year vehicles are generally safer.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
• Own a Home – Being a homeowner may earn you a small savings since home ownership requires personal responsibility.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on A6 coverage than drivers with accidents.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
• Waiver for an Accident – Not a discount per se, but a few companies such as State Farm and Progressive may permit one accident without raising rates if your claims history is clear before the accident.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

If you would like to choose from a list of companies offering insurance discounts, click here to view.

How much does auto insurance cost?

All the larger auto insurance companies such as Allstate, Geico and Progressive make it easy to get pricing on their websites. Obtaining pricing is pretty easy because it’s just a matter of typing in your personal and coverage information into the form. When complete, their quoting system will obtain your driving and credit reports and quotes a price based on these and other factors. Quoting online makes it a lot easier to compare rates but the time required to go to several different sites and type in your information is a waste of time. But it’s very important to perform this step in order to find the lowest possible prices on auto insurance.

An easier way to lower your rates uses just one form that obtains quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will receive rate comparison quotes using the exact same coverages.

Audi A6 insurance rates can be cheaper

Many different elements are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like your continuous coverage or your vehicle rating.

The following are some of the things companies use to determine prices.

• Choose high NHTSA crash test ratings and save – Vehicles with good safety scores get lower rates. Safer cars reduce the chance of injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If the Audi A6 has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
• Gender and insurance coverage costs – Statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both genders tend to get into at-fault accidents at about the same rate, but the men tend to have higher claims. They also get cited for more serious violations like DWI (DUI) or reckless driving.
• More traffic means higher claims – Having an address in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Less people translates into fewer accidents and lower theft and vandalism rates. Drivers who live in large cities have more auto accidents and a longer drive to work. Higher commute times means higher likelihood of an accident.
• Having a spouse can lower costs – Being married actually saves money on your policy. Having a significant other generally demonstrates drivers are more mature than a single person and it’s proven that married couples file fewer claims.

Situations that may require an agent’s advice

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• Is my Audi A6 covered if I use it for business?
• Does insurance cover tools stolen from my truck?
• What happens if I owe more than my 2008 Audi A6 is worth?
• When can my company non-renew my policy?
• Are rental cars covered under my policy?
• How do I buy GAP insurance?
• Why do I need rental car insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Are split liability limits better than a combined single limit?
• Is business property covered if stolen from my car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t be fooled by advertising claims

Consumers can’t avoid all the ads for the lowest price insurance by companies like Allstate, Geico and Progressive. They all seem to make an identical promise that you can save if you just switch your policy.

How does each company offer you a better deal? It’s all in the numbers.

All companies give the best rates for a prospective insured that earns them the highest profit. One example of a profitable customer could possibly be over age 30, has other policies, and drives a vehicle with a low ISO rating. A customer getting a price quote that fits those parameters will probably get the lowest car insurance rates and will most likely save a lot of money.

Insureds who fall short of this stringent profile will see higher prices which usually ends up with the customer buying from someone else. The wording the ads use say “drivers that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can make those claims. This really emphasizes why you should compare rate quotes every year. Because without a comparison, you cannot know which company will have the best premium rates.

Auto insurance coverages

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi A6.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like bail bonds, legal defense fees, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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

Collision coverage pays for things like backing into a parked car, hitting a mailbox, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, pain medications, chiropractic care and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Spend less. Save more.

The cheapest 2008 Audi A6 insurance can be found online as well as from independent agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some companies don’t offer price quotes online and many times these small insurance companies work with local independent agencies.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

More information can be found below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Safety Belts FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)