Lower Your 2013 Audi A6 Insurance Cost

Looking for the cheapest insurance rates for your Audi A6? Have you had enough of paying out the nose to pay your car insurance bill each month? You are in the same boat as many other drivers. With so many different company options, it can be hard to pick the most cost effective insurer.

Finding affordable coverage is quite easy. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Vehicle owners just need to learn the best way to shop on the web.

Quick Insurance Coverage Quotes

Getting better 2013 Audi A6 insurance coverage pricing can be surprisingly simple. Drivers just need to take a few minutes comparing price quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  1. The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quote forms to each individual insurance coverage company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies.
  2. A harder way to obtain and compare quotes online is spending the time to visit each company’s website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Geico, Allstate and Travelers. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method to compare rates is driving around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed agents. You can, however, comparison shop online but buy from a local insurance agent.

However you get your quotes, compare apples-to-apples coverage limits and deductibles with each company. If each company quotes unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

These discounts can lower your rates

Car insurance companies do not list all their discounts very well, so here is a list both the well known and the harder-to-find insurance coverage savings. If you don’t get every credit available, you’re paying more than you need to.

  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on A6 insurance with a few insurance coverage companies.
  • Own a Home – Owning a house can help you save on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of companies with the best insurance coverage discounts, click here.

These factors can influence Audi A6 insurance rates

It’s important that you understand the rating factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Poor driving leads to higher costs – Careful drivers tend to pay less for car insurance than bad drivers. Just one citation can boost insurance rates twenty percent or more. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Low deductibles can be expensive – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Audi from damage. Examples of covered claims are collision with another vehicle, damage from fire, and windstorm damage. Your deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The higher the amount you’re willing to pay, the lower your rates will be on A6 insurance.
  • Rate your vehicle for proper use – The more miles you rack up on your Audi every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance policy properly reflects how each vehicle is driven. Incorrect usage on your A6 can cost quite a bit.
  • Your location affects your rates – Choosing to live in a small town is a positive aspect when insuring your vehicles. City drivers tend to have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.
  • Older drivers save more – Young drivers are known to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that you can buy when buying insurance. Coverages for rental car reimbursement, towing coverage and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Occupation reflects on rates – Occupations like lawyers, architects and accountants have higher rates than average due to stressful work requirements and long work hours. On the flip side, occupations like pilots, athletes and the unemployed get better rates on A6 insurance.

Different people need different coverages

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you will benefit from professional help.

  • Should I rate my 2013 Audi A6 as pleasure use or commute?
  • How can I get high-risk coverage after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I bundle my homeowners policy with my auto?
  • Why is insurance for a teen driver so high?
  • Do I need added coverage for expensive stereo equipment?
  • How much liability coverage do I need in my state?
  • Does coverage extend to Mexico or Canada?
  • How high should deductibles be on a 2013 Audi A6?
  • Do I need more liability coverage?

If it’s difficult to answer those questions, then you may want to think about talking to 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 is quick, free and can help protect your family.

Insurance coverage breakdown

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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 commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as structural damage, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses like surgery, ambulance fees and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Audi A6.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Buy Smart and Save

Cheap 2013 Audi A6 insurance can be bought both online as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

We just covered a lot of techniques to compare insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the biggest savings come from some of the smallest insurance companies. Some small companies often have lower prices on specific markets compared to the large companies like Progressive and Geico.

Additional auto insurance information can be found at the links below