Lower Your 2002 Audi A6 Insurance Quotes

Looking for cheaper insurance rates for your Audi A6? Finding cheaper car insurance quotes online might seem complicated at first if you have never used quoting online. Don’t be baffled because finding lower quotes is actually fairly simple.

Smart consumers take time to price shop coverage every six months due to the fact that insurance prices change quite often. Even if you think you had the best price on A6 coverage six months ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re about to learn the best methods to find better rates and still maintain coverage.

Ways to get auto insurance rate quotes

The are a couple different ways to get quotes from many different insurance companies. One of the best ways to do a complete rate comparison involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. One of the fastest ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for repetitive form entry for each price estimate. Filling out one form gets coverage cost estimates direct from many companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to get quotes online is going to each company website and fill out their own quote form. For examples sake, we’ll pretend you want to view quotes from Auto-Owners, State Farm and Liberty Mutual. To do that, you would have to visit each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The least efficient and most time consuming way to get rate quotes is to waste gas driving to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you prefer the extra assistance that can only be provided by a licensed insurance agent. Although, it is possible price shop your coverage online but buy the policy through an agent.

Take whichever approach you prefer, but try to keep the same coverages with every price quote. If you enter differing limits it will be next to impossible to determine the best price for your Audi A6. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that making a lot of price comparisons helps locate the best offered rates.

Insurance policy discounts you can’t miss

Insurance can be prohibitively expensive, but there are discounts available that can help lower your rates. Some discounts apply automatically at quote time, but some need to be inquired about prior to receiving the credit.

  • Professional Memberships – Participating in specific professional or occupational memberships or organizations may earn a discount when shopping for insurance.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out a life insurance policy as well.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on A6 coverage depending on your insurance provider.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • Good Student – Being a good student may save you up to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Own a Home – Owning a home can get you a discount because owning a home requires a higher level of personal finance.

As a footnote on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think you can get free auto insurance, you aren’t that lucky.

A list of companies and their offered discounts include:

  • American Family policyholders can earn discounts including good driver, air bags, defensive driver, good student, early bird, mySafetyValet, and bundled insurance.
  • State Farm includes discounts for good student, multiple autos, defensive driving training, safe vehicle, and accident-free.
  • 21st Century may include discounts for homeowners, driver training, early bird, air bags, anti-lock brakes, teen driver, and defensive driver.
  • Travelers may have discounts that include driver training, continuous insurance, multi-car, IntelliDrive, home ownership, new car, and student away at school.
  • GEICO offers premium reductions for emergency military deployment, anti-lock brakes, multi-policy, defensive driver, military active duty, and anti-theft.

When quoting, ask every insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • How do I buy GAP insurance?
  • If I drive on a suspended license am I covered?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will filing a claim cost me more?
  • Are rental cars covered under my policy?
  • Does coverage extend to a rental car in a foreign country?
  • What is covered by UM/UIM coverage?
  • Why do I need rental car insurance?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages 101

Learning about specific coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism and fire damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your A6 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Audi A6.

Since 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 a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for surgery, pain medications and X-ray expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, medical expenses, structural damage, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy as much as you can afford.