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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Purchasing lower-cost auto insurance online can seem to be difficult for drivers new to quoting and comparing rates on the internet. With a ridiculous number of online companies available, how can drivers even start to compare every auto insurance company to find better rates?

If you have car insurance now, you should be able to lower your premiums substantially using this information. This information will introduce you to how car insurance quotes work and some tricks to saving. But car owners need to have an understanding of how the larger insurance companies market insurance on the web.

Find discounts to get cheap car insurance quotes

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Some discounts will apply when you complete an application, but a few must be inquired about before you will receive the discount.

  • Federal Employees – Federal government employees may reduce rates when you quote auto insurance on A6 insurance with a few car insurance companies.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the medical payments premium.
  • Lower Rates for Military – Being deployed with a military unit may lower your car insurance rates slightly.
  • Safety Course Discount – Taking time to complete a course teaching defensive driving skills is a good idea and can lower rates and make you a better driver.
  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on A6 insurance as compared to drivers with claims.
  • Professional Memberships – Joining a professional or civic organization may earn a discount on car insurance.
  • Claim-Free Discount – Drivers who don’t have accidents have much lower rates when compared with insureds who have frequent claims or accidents.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Save with a New Car – Putting coverage on a new car can cost up to 25% less since new model year vehicles are generally safer.
  • Paper-free Discount – A handful of insurance companies will give a small break just for signing your application on the internet.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Larger car insurance companies and their offered discounts include:

  • State Farm may include discounts for student away at school, good student, anti-theft, multiple autos, and safe vehicle.
  • American Family offers premium reductions for Steer into Savings, good student, early bird, good driver, bundled insurance, and TimeAway discount.
  • GEICO offers discounts including anti-theft, multi-policy, good student, membership and employees, and federal employee.
  • 21st Century includes discounts for driver training, early bird, defensive driver, homeowners, theft prevention, and teen driver.
  • Progressive offers discounts for online quote discount, multi-policy, good student, homeowner, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to each company or agent how you can save money. Some discounts might not be offered on policies in your area. To find providers with the best car insurance discounts, click this link.

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

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Lower your insurance rates

The best way to find cheaper auto insurance is to take a look at the factors that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find cheaper rates.

The following are a few of the things auto insurance companies consider when setting rates.

  • Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Both sexes tend to get into fender benders in similar percentages, but the men tend to have higher claims. Men also receive more costly citations such as reckless driving.
  • Insurance rates in urban areas – Living in a small town can be a good thing when talking about auto insurance. Fewer drivers on the road means a lower chance of having an accident in addition to lower liability claims Drivers in populated areas tend to have more traffic problems and higher rates of accident claims. More time on the road means higher likelihood of an accident.
  • Add-on coverages you don’t use – There are a lot of optional add-on coverages you can purchase but may not be useful. Add-on coverages like replacement cost coverage, high-cost glass coverage, and additional equipment coverage are probably not needed. They may sound like good ideas at first, but if you’ve never needed them in the past consider taking them off your policy.
  • Choose high NHTSA crash test ratings and save – Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Audi A6 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Reserve policy claims for larger damages – Insurance companies provide discounts to people who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Auto insurance is designed for more catestrophic claims.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions might point out if you may require specific advice.

  • How high should deductibles be on a 2000 Audi A6?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I get insurance after a DUI in my state?
  • What can I do if my company won’t pay a claim?
  • How do I buy GAP insurance?
  • How much liability insurance is required?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage options for a 2000 Audi A6

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2000 Audi A6.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability – This will cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield, hail damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – This pays for damage to your A6 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, colliding with another moving vehicle, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

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

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Best coverage at the best price

Discount 2000 Audi A6 insurance is attainable online and also from your neighborhood agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and usually these small, regional companies only sell coverage through independent agents.

When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. Your objective should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

Drivers switch companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, high prices or high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

Much more information about insurance can be found at these links: