Cheap 2014 Audi A6 Insurance Cost

Searching for lower insurance rates for your Audi A6? Are you kicking yourself for buying high-priced insurance? It’s a common feeling and many consumers are in the same pinch. Due to the abundance of insurance providers from which to choose, it can be diffult for drivers to choose a lower cost insurance company.

How much is auto insurance?

Lowering your 2014 Audi A6 auto insurance rates is surprisingly easy. Just spend a few minutes getting comparison quotes to find the company with inexpensive insurance quotes. This can easily be done by using one of the methods below.

• The most recommended method to get quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing repetitive form submissions for each company you want a rate for. One simple form gets insurance cost estimates from several companies.
• A harder way to analyze rates requires a visit to the website for every company you want to comare and complete a new quote form. For example, let’s say you want comparison quotes from Farmers, 21st Century and GMAC. To get rate quotes you would need to go to every website and punch in your information repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.
• The hardest way to compare price estimates is going to insurance agencies in your area. Shopping for auto insurance online eliminates this option unless you have a need for the advice and guidance that you can only get from talking to an agent. You can, however, comparison shop your insurance online but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but do your best to enter identical coverage limits and deductibles for every quote you compare. If you use different values for each quote it will be next to impossible to determine which company has the best rates.

Beware of misleading insurance coverage ads

Consumers can’t escape the ads for the lowest price insurance coverage by companies like 21st Century, Allstate and State Farm. All the ads try to convey promises that drivers will save a bundle if you get a free insurance quote and switch your coverage to them.

How does every company make the same claim? Here is the trick they use.

Many companies can use profiling for the type of insured that earns them the highest profit. A good example of a profitable customer may need to be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” may get the lowest car insurance rates and will save some money.

People who fall short of this ideal profile may be forced to pay higher premiums and the customer buying from someone else. The ads state “customers that switch” but not “everyone who gets a quote” save money. That’s the way companies can truthfully advertise the way they do.

This illustrates why you absolutely need to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will give you lower car insurance rates than your current company.

These discounts can lower insurance rates

Insurance is easily one of your largest bills, but you might be missing out on some discounts that you may not know about. Some discounts apply automatically at the time of quoting, but some need to be specifically requested prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

• Telematics Data Discounts – Insureds who allow companies to track when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
• Own a Home – Owning a house can save you money because of the fact that having a home demonstrates responsibility.
• Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for A6 insurance than drivers with accident claims.
• Claim Free – Drivers who don’t have accidents have much lower rates when compared with frequent claim filers.
• New Car Discount – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
• Senior Citizen Rates – Seniors can get lower premium rates for A6 insurance.
• Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when shopping for insurance.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. If you do the math and it seems like you could get a free insurance policy, nobody gets a free ride.

A few of the larger companies and a partial list of their discounts include:

• 21st Century has discounts for driver training, 55 and older, automatic seat belts, good student, teen driver, and homeowners.
• State Farm offers discounts including student away at school, passive restraint, good driver, safe vehicle, driver’s education, good student, and multiple autos.
• AAA has savings for education and occupation, good student, good driver, AAA membership discount, multi-policy, pay-in-full, and multi-car.
• Liberty Mutual includes discounts for exclusive group savings, preferred payment discount, newly retired, multi-policy, and multi-car.
• Progressive policyholders can earn discounts including online quote discount, homeowner, multi-policy, multi-vehicle, good student, online signing, and continuous coverage.

Before purchasing a policy, check with every company how you can save money. Savings may not apply to policyholders in your area. If you would like to view companies who offer free insurance quotes, click this link.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine whether your personal situation would benefit from professional advice.

• Does my policy pay for OEM or aftermarket parts?
• What is the minimum liability in my state?
• When would I need rental car insurance?
• Is rental equipment covered for theft or damage?
• Am I covered if I break a side mirror?
• How can I force my company to pay a claim?
• Who is covered when they drive my 2014 Audi A6?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my Audi A6 covered if I use it for business?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This coverage protects you from damage that occurs to other people or property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your A6 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, crashing into a building, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2014 Audi A6.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for ambulance fees, prosthetic devices, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Make an honest buck

Throughout this article, we presented some good ideas how to lower your 2014 Audi A6 insurance auto insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best possible price.

Much more information about car insurance can be read at these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)