How Much Does 2012 Audi A6 Insurance Cost?

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.

Compare free auto insurance quotes

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.

1. The most efficient method to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each price estimate. A single form will get you price quotes from all major companies.
2. A more difficult way to obtain and compare quotes online consists of visiting each company’s website and fill out their own quote form. For examples sake, let’s assume you want to get rates from Auto-Owners, State Farm and Geico. To get rate quotes you would need to go to each individual site and enter your policy data, which can get old fast.

   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.

What insurance coverages do I need?

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.

• Does my policy cover my teen driver if they drive my company car?
• Should I bundle my homeowners policy with my auto?
• How can I get high-risk coverage after a DUI?
• When would I need additional glass coverage?
• Am I better off with higher deductibles on my 2012 Audi A6?
• I have a DUI can I still get coverage?
• Does liability extend to a camper or trailer?

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.

Insurance coverages 101

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.