2003 Audi A6 Insurance Quotes – 9 Tips for Cheaper Rates

Looking for the cheapest insurance rates? Shoppers have options when shopping for affordable Audi A6 insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to get rate quotes.

There are more efficient ways to buy insurance and we’ll show you the proper way to price shop coverage for a Audi and get the lowest possible price from both online companies and local agents.

If you have a current auto insurance policy or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. This article will instruct you on how car insurance quotes work and some money-saving tips. Consumers just need to understand how to shop on the web.

Don’t miss out on these nine money-saving discounts

Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but some must be asked for before they will apply. If you don’t get every credit available, you’re just leaving money on the table.

  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • No Charge for an Accident – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • E-sign – A few companies give back up to $50 for buying your policy on their website.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for A6 coverage than drivers with accidents.

Consumers should know that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down the cost of coverage.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. Some discounts may not be available in your area.

Do I need special coverages?

When choosing coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Can I afford to pay high deductible claims out of pocket?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What exactly is covered by my policy?
  • What vehicles should carry emergency assistance coverage?
  • What if I owe more than I can insure my car for?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Audi A6.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a broken windshield, hitting a bird, hail damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, structural damage, funeral expenses and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage

This coverage will pay to fix damage to your A6 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a building, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Don’t throw your cash in the trash

As you shop your coverage around, you should never reduce needed coverages to save money. In many cases, an accident victim reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Drivers switch companies for many reasons like not issuing a premium refund, unfair underwriting practices, poor customer service and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

Low-cost 2003 Audi A6 insurance is available online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional detailed information is located in these articles: