2013 Audi A6 Insurance Rates

I doubt anyone rejoices having to buy insurance coverage, in particular when their premiums are through the roof. Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a provider to get the best rate

It’s smart to do price comparisons as often as possible because insurance coverage prices are constantly changing. Just because you found the best rates for A6 insurance a year ago there may be better deals available now. You can search a lot of insurance coverage on the web, but in just a couple of minutes you can learn a bunch of ideas how to slash your insurance coverage rates.

Cheap insurance quotes

Shopping for lower insurance rates is a ton of work if you don’t know the most efficient way. You could spend the better part of a day talking about coverages with agents in your area, or you could use the web to get the quickest rates.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests to every company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which carriers to receive prices from. So if you want to choose individual companies to receive pricing from, we have a listing of insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to use the exact same coverage limits for every quote you compare. If the quotes have different liability limits it’s not possible to make a fair rate comparison.

Are you falling for claims of savings?

Consumers can’t get away from ads that claim the best car insurance rates from companies such as Progressive, Allstate and Geico. All the companies make the point that people will save if you switch your insurance policy to them.

How can each company lower your car insurance rates? This is the trick they use.

All companies quote their best rates for the right customer that earns them the most money. A good example of a preferred risk might be a married male, has a clear driving record, and drives a vehicle with a low ISO rating. Any driver who fits those characteristics will get a cheap rate quote and will also save when they switch companies.

Potential insureds who don’t qualify for these stringent criteria will probably be forced to pay higher premiums which usually ends up with the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that much when switching. That’s the way companies can make claims that they all have the best prices. Each company has different criteria, so you really should compare as many free car insurance quotes as you can. It’s impossible to know which insurance company will have the lowest rates.

How you can control Audi A6 insurance premiums

Multiple criteria are part of the equation when you quote your car insurance policy. Most are fairly basic like your driving record, although others are more transparent such as whether you are married or your commute time.An important part of buying insurance is that you know some of the elements that are used to determine your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that may reward you with better insurance coverage rates.

The itemized list below are most of the major factors insurance coverage companies consider when setting rates.

• Save money by having good credit – Credit score will be a significant factor in calculating your insurance coverage rates. If your credit history can use some improvement, you could potentially save money when insuring your 2013 Audi A6 if you improve your credit rating. People with very good credit scores tend to be more responsible as compared to drivers with poor credit scores.
• Safer vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy. If your Audi earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Stay claim-free and save – Companies award better rates to people who are claim-free. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is designed for the large, substantial claims.
• More stress means more cost – Did you know your insurance coverage rates can be affected by your occupation? Occupations like lawyersairline pilots and financial analysts generally pay higher premium rates attributed to job stress and lots of time spent away from family. Conversely, careers such as professors, engineers and retirees pay lower than average rates for A6 insurance.
• Policy add-ons may not be needed – There are quite a few optional add-on coverages you can purchase if you aren’t careful. Coverage for things like replacement cost coverage, towing, and Farm Bureau memberships may be costing you every month. The coverages may be enticing when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.

Take advantage of every insurance discount

Some companies don’t always list their entire list of discounts in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous credits available to bring down your rates.

• Low Mileage Discounts – Driving less could earn better prices on cars that stay parked.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.
• Senior Citizen Discount – Drivers over the age of 55 may receive a small decrease in premiums for A6 insurance.
• Home Ownership Discount – Just owning your own home can get you a discount because owning a home is proof of financial responsibility.
• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance for A6 insurance with a few insurance companies.
• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

To locate insurance companies with the best insurance discounts, click this link.

How to know if you need help

When choosing coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.

• When should my teen driver be added to my policy?
• Does having multiple vehicles earn me a discount?
• What if I owe more than I can insure my car for?
• Am I covered if I hit a deer?
• Should I file a claim if it’s only slightly more than my deductible?
• Is a fancy paint job covered?
• How much liability do I need to cover my assets?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Auto liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, loss of income, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A6.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

Collision insurance covers damage to your A6 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, hail damage and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, chiropractic care, dental work and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Get your money’s worth

We just showed you a lot of tips how to reduce 2013 Audi A6 insurance rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding affordable car insurance. You may even find the biggest savings come from the smaller companies. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

When buying insurance coverage, never skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage for the lowest price, not the least amount of coverage.

More information

• Speed and Speed Limit FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)