Compare 2013 Audi A6 Insurance Quotes in 2024

Trying to find cheaper car insurance rates for your Audi A6? There isn’t a single person who is fond of buying car insurance, in particular when the price is too high.

Big companies like GEICO, Farmers Insurance and State Farm persistently shower you with ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

It’s a good idea to compare premium rates quite often because car insurance prices tend to go up over time. Just because you had the best price on A6 coverage at your last renewal other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to get a crash course in the only way to lower your annual insurance bill.

Take policy discounts and save

Companies that sell car insurance don’t list every possible discount in a way that’s easy to find, so the following is a list of a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

• Low Miles Discount – Driving less may enable drivers to earn slightly better car insurance rates than normal.
• Own a Home and Save – Simply owning a home can get you a discount because of the fact that having a home requires personal responsibility.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on A6 coverage compared to rates paid by drivers with frequent claims.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
• Early Signing – A few larger companies allow discounts for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Senior Citizen Rates – Older drivers may qualify for a small decrease in premiums on A6 coverage.
• Multiple Policy Discount – If you combine your homeowners and auto policies with one company they may give you a discount of 10% to 20% off each policy.
• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies allow you one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will definitely reduce your policy premium.

Auto insurance companies that may include most of the discounts above are:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

Double check with each company or agent how you can save money. Some credits may not apply in your area.

Get Audi A6 insurance for less

Many factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but others are more obscure such as your marital status or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining the level of your policy premiums. When you understand what controls the rates you pay, this enables informed choices that may reward you with cheaper rates.

Listed below are some of the major factors utilized by car insurance companies to help set rates.

• Additional coverages that may be costing you – There are many extra bells and whistles you can purchase on your car insurance policy. Add-on coverages like replacement cost coverage, death and dismemberment, and motor club memberships are some examples. They may seem good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
• What’s your car’s crash test rating? – Cars with high safety ratings cost less to insure. Vehicles built for safety protect occupants better and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Audi has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• Rate your vehicle for proper use – The more miles you rack up on your Audi annually the more you’ll pay to insure it. A lot of companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating is showing annual mileage, because it can save money. Incorrect rating for your A6 is just wasting money.
• Married drivers pay lower premiums – Having a significant other actually saves money when buying car insurance. Having a significant other may mean you are more stable financially and statistics prove being married results in fewer claims.
• Good credit saves on car insurance – Having a bad credit history is likely to be a major factor in determining what you pay. If your credit score is not that good, you could be paying less to insure your 2013 Audi A6 by taking the time to improve your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Is business property covered if stolen from my car?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my nanny covered when driving my vehicle?
• Is pleasure use cheaper than using my 2013 Audi A6 to commute?
• Can I rate high risk drivers on liability-only vehicles?
• Should I waive the damage coverage when renting a car?
• Are there companies who specialize in insuring high-risk drivers?
• Is rental equipment covered for theft or damage?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Collision insurance

This coverage will pay to fix damage to your A6 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, crashing into a ditch, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

This will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like structural damage, medical expenses, medical services, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, damage from flooding and hail damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, EMT expenses, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Don’t be a big spender

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

You just learned quite a bit of information on how to save on 2013 Audi A6 insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest prices come from some of the lesser-known companies. These companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Lower-priced insurance coverage is attainable from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not have online price quotes and usually these regional insurance providers prefer to sell through local independent agencies.