No car owner looks forward to buying auto insurance, in particular when they are paying too much. Insurance companies such as State Farm and GEICO increase brand awareness with catchy ads and consumers find it hard to separate fact from fiction and find the best price available.
Smart consumers take time to do rate comparisons every six months because prices are usually higher with each renewal. Even if you got the best rate on A6 insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.
Cutting your auto insurance rates is pretty simple and can save money. The only requirement is to take the time comparing free auto insurance quotes provided by online insurance companies. Shoppers can get rates using a couple different methods.
The fastest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for multiple quote forms for each price estimate. One form submission will return quotes from multiple companies.
A different way to compare rate quotes is spending the time to visit the website of each company and get a separate price quote. For instance, we’ll pretend you want rates from Auto-Owners, Esurance and GEICO. In order to compare rates, you need to go to each individual site and type in your information over and over, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
The least recommended way to find and compare rates is making phone calls or going to local insurance agencies. Quoting online makes this unnecessary unless you have a need for the guidance of a licensed agent. Although, it is possible price shop your coverage online but have your policy serviced through an agent.
It’s up to you how you get prices quotes, just make sure you compare the exact same coverage limits and deductibles on every price quote you get. If the quotes have differing limits you will not be able to make a fair comparison for your Audi A6.
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might help in determining if your situation might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, doctor visits, funeral costs, X-ray expenses and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Collision coverage – This coverage pays for damage to your A6 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like damaging your car on a curb, colliding with a tree, driving through your garage door, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Liability coverage – Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as funeral expenses, medical services, court costs, attorney fees and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like damage from getting keyed, theft, hitting a deer, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A6.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.