Are you regretting buying an underperforming, overpriced insurance policy? Believe me when I say there are lots of residents who feel the same. Companies like Geico, Progressive and Allstate continually hit you with advertising and it is difficult to see past the corporate glitz and take the time to shop coverage around.
You should make it a habit to take a look at other company’s rates before your policy renews because insurance prices go up and down regularly. Just because you had the best rate on A6 insurance a year ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because I’m going to teach you the proper way to lower your annual insurance bill.
Getting a low cost price on 2012 Audi A6 insurance can be relatively painless. The only thing you need to do is take the time to get quotes from different insurance companies. Shoppers can get rates in a couple of different ways.
For a list of links to companies insuring cars in your area, click here.
Take whichever approach you prefer, but try to keep identical information for each quote you get. If each company quotes different deductibles it will be nearly impossible to decipher which rate is best.
When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out if your situation may require specific advice.
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.
Liability insurance – This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like legal defense fees, medical services, court costs and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive coverage – This coverage will pay to fix 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 coverage pays for claims such as hitting a deer, damage from getting keyed, hitting a bird, damage from flooding and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, funeral costs and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi A6.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverages – This pays for damage to your A6 from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
I live on the south side of Shreveport, Louisiana and for me State Farm had the lowest quote. I have several vehicles insured with them. Not sure if rates are cheaper online or through an agent.
This is too expensive. I’m in the north part of Jackson, MS. I compared lots of rates. Saved roughly $70 a month. Progressive was the best choice for me. They were helpful in switching over.
Does Progressive use ACV or replacement cost?
Great site. I’m in the suburbs of Grand Forks, ND. Quoted with State Farm, AIG Insurance, Esurance, and Hanover for my 2012 Audi A6 and saved just over $340 a year. Insured with Hartford before. Thankfully I’m not a high risk driver.
I switched to 21st Century. Quoted good rates in Fort Smith, Arkansas. I think they have home insurance too. They offer free online rate quotes.
My Audi is faster than yours.
Checking in from Cleveland, Ohio. Quoted prices online for a 2012 Audi A6. Ended up at about $250 savings annually. Went with State Farm.
Will 21st Century raise rates after an accident?
Nice post. I live just outside Columbus, Georgia. Got car insurance prices from Nationwide, Eastwood, Progressive, and AAA for my Audi and I’m now saving $26 a month. Highly recommended.
If you don’t have tickets and are close to Newark, Delaware, check out GEICO. They seem to be cheaper. Insured with Allstate before.
I’m in the suburbs of Billings, MT. Not sure of all the companies but I ended up saving about $20 each month. Switched homeowners coverage too. They offer free online rate quotes.
Good detail in your article. Went with Hanover for my A6 and cut my rates about $330 a year. Moved home policy as well.