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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Nobody I know likes having to buy insurance coverage, in particular when they could find lower prices if they just compared rates. Having so many options, it can be hard to find the best insurance coverage provider.

How to find the cheapest insurance

Effectively comparing insurance prices can take time and effort if you don’t understand the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

Many of the larger companies participate in an industry program that allows shoppers to submit one quote, and every company can provide price quotes. This system prevents you from having to do quote forms for each company you want a rate for.

To compare pricing click to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose which companies you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing equivalent coverage information with every price quote. If your comparisons have differing limits it’s impossible to determine the lowest rate for your Audi A6.

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

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Is there deception in advertising?

Drivers can’t get away from all the ads that claim the cheapest premium rates by State Farm, GEICO and Progressive. All the companies say the same thing that you’ll save big if you just switch your insurance coverage to their company.

How does every insurance company make almost identical claims? This is the way they can do it.

Most companies give the best rates for the right customer that earns them a profit. A good example of a desirable risk might be described as between the ages of 30 and 50, carries high limits, and has excellent credit. A propective insured that hits that “sweet spot” gets the lowest premium rates and will most likely cut their rates if they switch.

People who fall outside the ideal profile will probably have to pay a more expensive rate and the customer not purchasing. The ads state “people that switch” not “everybody who quotes” will save that much if they switch. That’s why companies can truthfully advertise the way they do. Because each company has a different risk profile, drivers should compare free insurance quotes often. It’s not possible to predict which insurance companies will have the lowest rates.

Lower rates by qualifying for these six discounts

Companies offering auto insurance don’t always list every possible discount very well, so the following is a list of both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Multiple Cars – Having multiple cars with one company can reduce rates for all insured vehicles.
  • Good Student Discount – Excelling in school may save you up to 25%. The good student discount can last up to age 25.
  • Sign Online – A few larger online companies will provide an incentive for completing your application on the web.
  • Distant College Student Discount – Children living away from home attending college and do not take a car to college can be insured at a reduced rate.
  • Defensive Driver Discounts – Participating in a class that teaches safe driver techniques can save you 5% or more and also improve your driving technique.
  • Low Mileage Discounts – Driving less could be rewarded with slightly better rates than normal.

Remember that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky. But any discount will lower your insurance premiums.

The best insurance companies and some of their more popular discounts are detailed below.

  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, driver’s education, multiple policy, anti-theft, and accident-free.
  • Liberty Mutual offers discounts including new move discount, good student, multi-car, exclusive group savings, and hybrid vehicle.
  • American Family policyholders can earn discounts including Steer into Savings, multi-vehicle, good student, TimeAway discount, defensive driver, and accident-free.
  • Progressive offers premium reductions for continuous coverage, online quote discount, online signing, good student, and multi-vehicle.
  • Farmers Insurance has discounts for distant student, mature driver, youthful driver, pay in full, good student, early shopping, and homeowner.
  • Auto-Owners Insurance may have discounts that include company car, paperless, safe driver, group or association, student away at school, multi-policy, and good student.
  • SAFECO includes discounts for multi-car, teen safety rewards, drive less, teen safe driver, bundle discounts, and anti-theft.

If you need lower rates, check with every insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in every state. To find insurers that offer discounts, follow this link.

Insurance coverage is unique, just like you

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your situation will benefit from professional help.

  • What vehicles should carry emergency assistance coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to Mexico or Canada?
  • Is other people’s property covered if stolen from my vehicle?
  • What are the best liability limits?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my babysitter drive my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

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

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Specific coverages for a 2004 Audi A6

Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your A6 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, nursing services, rehabilitation expenses, EMT expenses and dental work. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Audi A6.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding, vandalism and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This provides protection from damage or injury you incur to other people or property in an accident. 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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like repair bills for other people’s vehicles, court costs, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

More quotes mean more savings

We just presented many ideas to get a better price on 2004 Audi A6 insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost insurance. You may be surprised to find that the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

Cost effective 2004 Audi A6 insurance can be found on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers don’t offer rate quotes online and these smaller companies work with independent agents.

Additional detailed information can be read in the articles below: