Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Wish you could get out of an expensive insurance policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance policy.

Lots of insurers contend for your business, so it can be very hard to choose a provider to find the absolute best rate

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not that difficult. Although car owners must comprehend the way insurance companies market on the web because it can help you find the best coverage.

Why you might pay increased rates

Lots of factors are used when pricing auto insurance. Some of the criteria are obvious like your driving record, but some are not as apparent such as your marital status and annual miles driven.

The following are some of the factors used by insurance companies to determine premiums.

  • Experienced drivers pay less – Beginning drivers have been known to be inattentive and easily distracted in a vehicle so auto insurance rates are higher. Adding a inexperienced driver onto your auto insurance can cause a big jump in price. More mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
  • Pleasure use or commuting – The higher the miles on your Audi in a year the more you’ll pay to insure your vehicle. A lot of companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. Make sure your auto insurance declarations sheet shows the correct usage. A policy that improperly rates your A6 can cost quite a bit.
  • Premiums are affected by your credit rating – An insured’s credit rating can be an important factor in calculating your premium rate. Consumers who have high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 1997 Audi A6 by improving your credit score.
  • Your car’s features help determine premiums – Buying a car with a theft deterrent system can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Cheapest insurance quotes

Most larger insurance companies such as State Farm and Allstate give insurance quotes direct online. Getting online quotes can be done by anyone as you simply type in your coverage preferences on the page. After you complete the form, their rating system will order your driving record and credit report and generates pricing information based on the information you submitted. This makes it a lot easier to compare rates but having to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s absolutely necessary to perform this step if you want to find the lowest insurance rates.

The smarter way to find better insurance pricing uses just one form that gets prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online price comparison much simpler. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quote results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out how much you can save on insurance, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter your coverages exactly as they are listed on your policy. This ensures you will be getting an apples-to-apples comparison using the same coverage and limits.

Discount auto insurance quotes

Buying auto insurance is not cheap, but you might already qualify for some discounts to help offset the cost. Many of these discounts will be applied automatically when you purchase, but some need to be specifically requested in order for you to get them.

  • Driver Training Discounts – Passing a driver safety course can save you 5% or more and make you a better driver.
  • Distant Student – who attend college more than 100 miles from home and don’t have a car could get you a discount.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Senior Citizens – Seniors are able to get reduced rates on A6 insurance.
  • Include Life Insurance and Save – Select insurance carriers reward you with a lower premium rate if you buy life insurance.
  • Telematics Discount – People who choose to allow data collection to scrutinize vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on A6 insurance than drivers with accident claims.

As a footnote on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to view insurance companies that offer discounts, click here.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight if you would benefit from professional advice.

  • Does coverage extend to a rental car in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Why am I required to buy liability insurance?
  • Do I need motorclub coverage?
  • What if I owe more than I can insure my car for?
  • How can I find cheaper teen driver insurance?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, damage from getting keyed, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of 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 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, bail bonds, structural damage, repair costs for stationary objects 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 much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, surgery, rehabilitation expenses, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Some insurance providers don’t offer price quotes online and these regional insurance providers only sell coverage through local independent agents. The cheapest 1997 Audi A6 insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection.

Much more information about insurance can be found below: