Save on 2015 Audi A6 Car Insurance Quotes

Looking for lower auto insurance rates for your Audi A6? Did you fall for a flashy sales pitch and buy high-priced auto insurance? You’re in good company because you’re not alone.

Having so many different company options, it can be impossible to choose the lowest cost insurer.

You should take the time to compare premium rates at least once a year due to the fact that insurance prices change regularly. Even if you think you had the best price on A6 coverage a few years ago you can probably find a better rate now. Block out anything you think you know about auto insurance because you’re about to learn the only way to reduce your cost while improving coverage.

Shopping for cheaper protection is easy if you know what you’re doing. In a nutshell, anyone who buys insurance coverage most likely will be able to cut their insurance bill. Nevertheless, car owners must comprehend how the larger insurance companies determine prices.

Why you might pay inflated rates

Many factors are part of the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, although some other factors are not quite as obvious such as whether you are married or how financially stable you are.

• Low mileage costs less – Driving a lot of miles each year the more it will cost to insure it. Almost all companies charge to insure your cars based on their usage. Cars and trucks that do not get driven very much get more affordable rates than vehicles that are driven to work every day. It’s a good idea to make sure your declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your A6 can cost quite a bit.
• Good drivers pay less – Having a clean driving record impacts premiums far more than you think. Only having one speeding ticket may increase your cost to the point where it’s not affordable. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with flagrant tickets such as DUI or reckless driving might be required by their state to submit a SR-22 form with their state in order to legally drive.
• File a auto insurance claims and pay more – Auto insurance companies provide the best rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can look forward to higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Never have coverage lapses – Not maintaining insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage might get you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Single drivers may pay more – Walking down the aisle may earn you lower rates on your auto insurance policy. Marriage may mean you are less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Discounts for multiple policies – Most larger insurers will give better rates to clients who buy several policies from them in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.

Finding insurance coverage

To find the cheapest insurance quotes, there are several ways to compare rate quotes from lots of insurance coverage companies. The best method to find the lowest 2015 Audi A6 rates is to perform an online rate comparison. This can be accomplished in a couple minutes as outlined below.

1. If you don’t have a lot of time, the easiest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This quick form eliminates the need for repetitive form entry for every prospective company. Just one form will get you price quotes from insurance coverage companies with the best prices.
2. A slightly less efficient method to get quotes online is to take the time to go to each individual company website to request a price quote. For sake of this example, let’s say you want to see prices from Progressive, Liberty Mutual and American Family. To find out each rate you need to visit each site and enter your policy data, which can be really labor intensive. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same deductibles and coverage limits with every price quote. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Audi A6. Quoting even small variations in insurance coverages or limits could skew the results. It’s important to know that comparing all the rates in your area helps locate better pricing. Some insurance companies are not set up to provide online price quotes, so it’s important to compare price quotes on coverage from those companies, too.

Cheap car insurance rates with discounts

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that you may not know about. A few discounts will be applied at the time of purchase, but a few must be specifically requested before they will apply.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy life insurance.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
• Professional Organizations – Joining qualifying clubs or civic groups could qualify you for a break on your next renewal.
• Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, you aren’t that lucky. But any discount will definitely reduce the cost of your policy.

Car insurance companies that may offer most of the discounts above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before you buy a policy, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not be available in every state. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether you might need an agent’s assistance.

• Am I covered when pulling a rental trailer?
• What is high-risk coverage and where do I buy it?
• Where can I get insurance after a DUI in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Which companies will insure high-risk drivers?
• When should I drop full coverage on my 2015 Audi A6?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a 2015 Audi A6

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi A6.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage kick in for bills like chiropractic care, pain medications, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Get your money’s worth

In this article, we covered some good ideas how to get a better price on 2015 Audi A6 insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable insurance. You may even discover the best premium rates are with a small local company. These smaller insurers can often provide lower prices in certain areas compared to the large companies like State Farm and Allstate.

When shopping online for car insurance, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price.

More information is located on the following sites:

• Insuring a Leased Car (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)