2012 Audi A6 Insurance Quotes

No one enjoys paying for car insurance, particularly when the cost is too high. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest price

Lower rates by qualifying for discounts

Companies offering auto insurance don’t necessarily list every discount very well, so we took the time to find both well-publicized and the more hidden car insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on A6 insurance than their less cautious counterparts.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on A6 insurance with certain companies.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • No Accidents – Claim-free drivers pay much less as compared to frequent claim filers.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Multi-policy Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.

Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

To see a list of insurance companies with the best car insurance discounts, click here to view.

These factors can influence what you pay for Audi A6 insurance

It’s important that you understand some of the elements that play a part in calculating insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in lower insurance prices.

Shown below are a partial list of the pieces companies use to determine premiums.

  • The more you drive the more you pay – The higher the mileage driven every year the more you will pay for insurance. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. If your policy improperly rates your A6 can result in significantly higher rates. Double check that your insurance declarations sheet shows the correct usage for each vehicle.
  • Multiple policies with one company can save – Many insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • High deductibles save money – Your deductibles define the amount you are willing to pay out-of-pocket before your insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The more money the insured has to pay upfront, the less your company will charge you for insurance on A6 insurance.
  • Cautious drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can bump up the cost twenty percent or more. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Older drivers save more – Youthful drivers are known to be more careless when driving so insurance rates are higher. Adding a young driver onto your insurance can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Audi earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.

Car insurance is unique, just like you

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • Do I have coverage when making deliveries for my home business?
  • Are my friends covered when driving my 2012 Audi A6?
  • Which is better, split liability limits or combined limits?
  • Am I covered by my spouse’s policy after a separation?
  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

The fine print in car insurance ads

Consumers get pounded daily by advertisements for car insurance savings by companies like Geico, State Farm and Progressive. They all make the same claim that you can save if you change to them.

How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, has no driving citations, and has a short commute. Any driver who fits that profile will get very good rates and therefore will save when they switch companies.

Drivers who don’t meet these standards must pay higher rates which usually ends up with business not being written. The ads state “people who switch” not “people who quote” save money. That’s the way companies can truthfully advertise the way they do. This illustrates why drivers must compare as many rates as you can. It’s not possible to predict which company will fit your personal profile best.

Car insurance policy specifics

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like dental work, prosthetic devices, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 pays for things like damage from getting keyed, hitting a bird, hail damage, damage from a tornado or hurricane and fire damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This covers damage to your A6 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Get your money’s worth

When you buy insurance online, never reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest price.

We covered some good ideas how you can reduce 2012 Audi A6 insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

The cheapest insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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