Cheaper 1998 Audi A6 Insurance Quotes

Looking for better car insurance rates for your Audi A6? Having to pay for overpriced car insurance can drain your checking account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Lots of insurers contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest price

Consumers should take time to compare rates every six months because insurance rates change quite often. Even if you think you had the best price for A6 insurance last year the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn one of the best ways to find lower rates on car insurance.

If you have insurance now or are just looking to switch companies, you can use these tips to find better prices while maintaining coverages. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper methods to compare price quotes over the internet.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but a few need to be specially asked for in order for you to get them. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • E-sign – A handful of insurance companies may give you up to $50 simply for signing online.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for A6 insurance than drivers with accident claims.
  • No Claims – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. But any discount will cut your overall premium however.

Companies that may offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to buying the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • How do I insure my teen driver?
  • Is my cargo covered for damage or theft?
  • What discounts do I qualify for?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I have a commercial auto policy?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Can you really save that much by switching?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, Allstate and Geico. They all seem to have a common claim that you’ll save big if you move to their company.

How can each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that makes them money. A good example of a desirable insured could possibly be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A driver who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Drivers who don’t measure up to the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s the way companies can make the claims of big savings.

This illustrates why it is so important to get quotes from several different companies. Because you never know the company that will fit your personal profile best.

Car insurance coverage basics

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist 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.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, chiropractic care, EMT expenses, funeral costs and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability insurance – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, pain and suffering, emergency aid and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your A6 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Don’t be a big spender

Cheaper 1998 Audi A6 insurance is attainable both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage only to regret at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest price.

Additional detailed information can be read in the articles below: