2003 Audi A6 Insurance Rates

Looking for the cheapest auto insurance rates for your Audi A6? Have you had enough of sacrificing to pay your auto insurance bill each month? You have the same problem as the majority of other drivers. Due to the fact that there are so many insurance providers from which to choose, it can be challenging to find a more affordable insurance company.

You should take the time to quote other rates once or twice a year since insurance prices go up and down regularly. Despite the fact that you may have had the lowest price for A6 coverage a few years ago you can probably find a better rate quote now. You can find a lot of misleading information regarding auto insurance online but we’re going to give you some excellent ideas to lower your auto insurance bill.

This information will help educate you on how to get online quotes and some tips to save money. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Consumers only need to know the proper methods to compare company rates online.

Compare insurance coverage quotes

There are several ways you can shop for insurance coverage but some are less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each company provides a quote based on that information. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which carriers to receive prices from. If you wish to select from a list of companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare exactly the same information on every price quote you get. If you enter different liability limits you will not be able to determine which rate is truly the best.

Get cheap auto insurance with discounts

Car insurance companies don’t always publicize every possible discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts you could be receiving when you buy auto insurance online.

• Switch and Save Discount – Some larger companies give discounts for buying a policy before your current coverage expires. It can save you around 10%.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease for A6 coverage depending on your auto insurance provider.
• Cautious Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for A6 coverage than their less cautious counterparts.
• Professional Memberships – Affiliation with a qualifying organization could earn you a nice discount on your bill.
• Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
• Telematics Data – Insureds that choose to allow their insurance company to monitor driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
• No Claims – Drivers who don’t have accidents have much lower rates compared to frequent claim filers.
• Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before raising your premiums if your claims history is clear for a certain period of time.

Just know that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Companies and their possible discounts are included below.

• Geico offers discounts including anti-theft, federal employee, military active duty, anti-lock brakes, and air bags.
• SAFECO policyholders can earn discounts including bundle discounts, accident prevention training, multi-car, anti-theft, teen safety rewards, drive less, and teen safe driver.
• State Farm may offer discounts for Drive Safe & Save, student away at school, Steer Clear safe driver discount, anti-theft, and passive restraint.
• MetLife has savings for multi-policy, good driver, accident-free, defensive driver, good student, and claim-free.
• 21st Century offers premium reductions for theft prevention, 55 and older, early bird, defensive driver, and teen driver.
• Progressive includes discounts for homeowner, online quote discount, multi-vehicle, continuous coverage, online signing, multi-policy, and good student.

It’s a good idea to ask every company the best way to save money. Depending on the company, some discounts might not apply in your area.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs could use an agent’s help.

• Am I covered when driving someone else’s vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Are my friends covered when driving my car?
• Is my 2003 Audi A6 covered for smoke damage?
• Am I covered if I hit my neighbor’s mailbox?
• Does my insurance cover my expensive audio equipment?
• Am I covered if I hit a deer?
• When would I need additional glass coverage?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Insurance rates are influenced by these factors

A large part of saving on insurance coverage is knowing a few of the rating criteria that come into play when calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you cheaper rates.

The itemized list below are some of the things utilized by car insurance companies to help set premiums.

• Urban residents pay more – Being located in areas with lower population can save you money if you are looking for the lowest rates. Less people living in that area translates into fewer accidents in addition to fewer liability claims. Drivers who live in large cities regularly have traffic congestion and more time behind the wheel. More time on the road can result in more accidents.
• Youthful drivers cost more – Teenage drivers are proven to be more careless when driving with friends so insurance coverage rates are higher. Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.
• The higher your credit rating the lower your premiums – A driver’s credit history can be a huge factor in calculating your premium rate. If your credit history is lower than you’d like, you could potentially save money when insuring your 2003 Audi A6 if you clean up your credit. Consumers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
• Adjust coverage deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Audi. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and damage caused by flying debris. Your deductibles are the amount of money you are willing to pay if the claim is covered. The higher the amount the insured has to pay upfront, the bigger discount you will receive for A6 coverage.
• Use but don’t abuse your insurance – Car insurance companies award discounts to people that do not abuse their auto insurance. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
• Rate your vehicle for proper use – The higher the miles on your Audi annually the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars that do not get driven very much cost less to insure than vehicles that are driven to work every day. An improperly rated A6 can result in significantly higher rates. Make sure your insurance coverage policy shows the correct usage for each vehicle, because improper ratings can cost you money.

Insurance coverages 101

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, fire damage, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2003 Audi A6.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

This coverage covers damage to your A6 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, surgery, doctor visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop smart and save

You just learned some good ideas how you can shop for 2003 Audi A6 insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable auto insurance. You may even discover the lowest prices come from some of the lesser-known companies. They often have lower rates on specific markets compared to the large companies like Geico and State Farm.

When shopping online for insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Helpful resources

• Neck Injury FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)