Feel like you’re a prisoner to overpriced auto insurance? Believe me when I say you’re not the only one.
Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute best price available.
You should take the time to take a look at other company’s rates on a regular basis because prices are constantly changing. Just because you had the lowest rates for A6 insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.
If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is easy if you know what you’re doing. But drivers can benefit by having an understanding of how the larger insurance companies price online insurance and take advantage of how the system works.
How to Compare Auto Insurance Rates
There are a lot of ways you can shop for auto insurance but some are less labor-intensive and much quicker. You could spend your day talking about coverages with insurance companies in your area, or you can utilize the internet to quickly compare rates.
Most car insurance companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions for each company. To compare pricing click here to open in new window.
One minor caviat to comparing rates this way is you don’t know exactly the insurers you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.
However you get your quotes, make sure you use apples-to-apples coverages on every quote. If each company quotes different deductibles then you won’t be able to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. Just keep in mind that getting more free quotes helps locate better pricing.
Take these nine discounts and save
Car insurance is not cheap, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but a few need to be requested specifically before they will apply.
- Club Memberships – Affiliation with a professional or civic organization could trigger savings on auto insurance for A6 insurance.
- Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Employee of Federal Government – Active or retired federal employment may qualify you for a discount for A6 insurance with certain companies.
- More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
- College Student – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
- No Claims – Drivers who don’t have accidents pay less compared to bad drivers.
- Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
It’s important to understand that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will help reduce the cost of coverage.
To see a list of insurance companies who offer auto insurance discounts, click this link.
Which policy gives me the best coverage?
When buying coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if you could use an agent’s help.
- Should I put collision coverage on all my vehicles?
- How many claims can I have before being cancelled?
- Do I benefit by insuring my home with the same company?
- When should my teen driver be added to my policy?
- Do I qualify for additional discounts?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is high-risk coverage and where do I buy it?
- Am I covered when delivering products for my home-based business?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Auto insurance 101
Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, surgery, prosthetic devices, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hail damage, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A6.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision coverages – This pays for damage to your A6 resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Liability coverages – This will cover damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like attorney fees, medical expenses, medical services, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Keep this in mind
When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage only to regret that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible for the lowest price.
We just presented many ideas to get a better price on Audi A6 insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with a lesser-known regional company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.
Lower-priced Audi A6 insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
