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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Consumers who just recently started price shopping insurance online might discover buying inexpensive insurance coverage is harder than they anticipated.

If you are paying for car insurance now, you will be able to save some money using these tips. This information will introduce you to the best way to quote coverages and some tips to save money. But car owners benefit from understanding how big insurance companies determine prices and apply this information to your search.

The best way to get policy rate comparisons is to take advantage of the fact almost all companies will pay a fee to provide you with free rate quotes. The one thing you need to do is give them rating details including whether you are single or married, if you have a valid license, how much coverage you want, and if the vehicle is leased. Your details is submitted instantly to multiple top-rated companies and you will receive price estimates almost instantly.

Auto insurance discounts are available to slash your rates

Auto insurance companies do not advertise all disounts in a way that’s easy to find, so we took the time to find some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Mature Driver Discount – If you qualify as a senior citizen, you could receive a discount up to 10% on A6 insurance.
  • Buy New and Save – Buying a new car instead of a used car is cheaper due to better safety requirements for newer models.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Home Ownership Discount – Owning your own home or condo may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Anti-lock Brake System – Cars with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • One Accident Forgiven – This one isn’t a discount, but companies like State Farm and Progressive will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
  • Military Discounts – Having an actively deployed family member could be rewarded with lower premium rates.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
  • E-sign – Many companies give back up to $50 for buying your policy on the web.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way. But any discount will positively reduce your policy premiums.

Some of the larger companies that may offer most of the discounts above possibly include:

Before you buy a policy, ask each company which discounts you qualify for. Depending on the company, some discounts may not apply in your area. To locate providers with discount auto insurance rates, click this link.

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

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Everyone needs different auto insurance coverages

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Is my cargo covered for damage or theft?
  • What is no-fault insurance?
  • What happens if I owe more than my 2003 Audi A6 is worth?
  • How much liability do I need to cover my assets?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

How insurance companies determine Audi A6 insurance premiums

Many things are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, although some other factors are not as apparent like your vehicle usage or how safe your car is.Part of the car insurance buying process is learning the rating factors that help calculate your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may result in lower rates.

  • Prices may be lower depending on your job – Do you have a high-stress occupation? Jobs such as fire fighterspolice officers and accountants generally have higher premiums than the average policyholder attributed to intense work situations and extremely grueling work hours. Conversely, occupations such as scientists, engineers and performers receive lower rates on A6 insurance.
  • Teen drivers pay higher costs – More experienced drivers are shown to be more cautious, cause fewer claims and accidents and get fewer tickets.Young drivers are proven to be careless and easily distracted in a vehicle so car insurance rates are higher.
  • You may save more by bundling policies – Most insurers will give a discount to customers who consolidate policies with them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even if you qualify for this discount already, you still need to compare rates to guarantee you are still saving the most. Drivers may still find better rates by splitting coverages up.
  • Eliminate unneeded extra policy coverages – There are quite a few additional coverages that you can buy if you aren’t diligent. Things like replacement cost coverage, towing coverage, and extra life insurance coverage may be wasting your money. The coverages may be enticing initially, but now you might not need them so get rid of them and save.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Women and men get in auto accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving. Young males have the highest risk to insure and therefore have the most expensive car insurance rates.
  • Liability insurance limits should be high – Your car insurance policy’s liability coverage kicks in if a jury decides you are liable for damages caused by your negligence. Your liability coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Car insurance ads are enticing

Well-known car insurance companies like State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies state the claim about saving some big amount if you get a free insurance coverage quote and switch your policy. How does each company sell you cheaper insurance coverage? It’s all in the numbers.

All companies have a certain “appetite” for the driver that will most likely be profitable. A good example of a desirable risk could possibly be a female over age 40, has no claims, and drives less than 10,000 miles a year. Any customer who fits that profile receives the best prices and will most likely save a lot of money.

People who do not meet these standards will have to pay higher premium rates which translates to the driver buying from a lower-cost company. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently lure you into getting a quote. Different companies use different criteria so you really need to get price quotes at each policy renewal. Because without a comparison, you cannot know which car insurance company will have the best premium rates for your profile.

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

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Specific coverage details

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Collision coverage

Collision coverage will pay to fix damage to your A6 caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Audi A6.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as emergency aid, court costs and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hitting a bird, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as funeral costs, X-ray expenses and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Power to the consumer

Budget-conscious 2003 Audi A6 insurance can be purchased online and from local agencies, so you should compare both to have the best chance of lowering rates. Some insurance companies may not have the ability to get a quote online and usually these small insurance companies sell through independent insurance agents.

When you buy insurance coverage online, never reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage and learned later that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how to save on 2003 Audi A6 insurance. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting low cost insurance coverage. Drivers may discover the best car insurance rates are with the smaller companies.

Additional detailed information is available in these articles: