View 2019 Audi A6 Car Insurance Rates in 2024

Wish you could get a refund on an underperforming, overpriced insurance policy? Trust us when we tell you there are many drivers thinking the same thing. You have multiple insurers to pick from, and although it’s a good thing to have a selection, so many choices can make it hard to find a good deal.

You should take the time to shop coverage around before your policy renews because insurance prices trend upward over time. If you had the best rates on A6 insurance a couple years back there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Cheap insurance quotes online

There are multiple methods to compare insurance quotes, but one way is easier and takes less work. You could waste time driving to insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company provides a quote for coverage. This eliminates the need for form submissions to every company. To find out how much you’re overpaying now enter your zip code here.

The one disadvantage to pricing coverage this way is that consumers can’t choose the insurers you will receive quotes from. So if you want to select specific insurance companies to compare, we put together a list of insurance companies in your area. Click to enter zip code.

However you get your quotes, be sure to compare the exact same coverage data for every quote you compare. If you enter differing limits it’s impossible to find the best deal for your Audi A6.

How to lower your insurance prices

Lots of things are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but some are not quite as obvious like your vehicle usage or your vehicle rating.

The items below are some of the most common factors utilized by car insurance companies to help set prices.

• Get married and pay less – Getting married can get you a discount on your auto insurance policy. Marriage translates into being less irresponsible and statistics prove being married results in fewer claims.
• Better rates with anti-theft devices – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft.
• Less chance of injury means lower prices – Vehicles with high crash test scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Audi A6 is rated at least four stars on Safercar.gov you may pay a lower rate.
• Your liability protection limits – The liability coverage on your policy provides coverage in the event that you are determined to be liable for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Cheap auto insurance rates with discounts

Insuring your fleet can be pricey, but you may qualify for discounts that can help lower your rates. Certain discounts will be applied when you purchase, but some discounts are required to be specifically requested prior to getting the savings.

• Government Employee Discount – Having worked for a branch of the government can save as much as 8% on A6 insurance with some auto insurance companies.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Save with a New Car – Buying coverage on a new vehicle can save you some money because new vehicles are generally safer.
• E-sign Discounts – A handful of companies will give you a small discount for buying a policy and signing up on the internet.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• No Accidents – Insureds with no claims or accidents have much lower rates as opposed to drivers with a long claim history.
• Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you will save as much as 10 to 15 percent.
• Discount for Home Ownership – Simply owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
• Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Multi-line Discount – Some insurance companies give a small discount if you purchase a life policy as well.

Remember that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Companies and their offered discounts are included below.

• American Family may include discounts for TimeAway discount, early bird, multi-vehicle, air bags, and good student.
• Nationwide may have discounts that include multi-policy, accident-free, defensive driving, easy pay, good student, and family plan.
• MetLife offers discounts for defensive driver, good student, accident-free, claim-free, and good driver.
• 21st Century may offer discounts for teen driver, early bird, air bags, theft prevention, automatic seat belts, anti-lock brakes, and good student.
• Farmers Insurance includes discounts for distant student, business and professional, early shopping, pay in full, switch companies, alternative fuel, and multi-car.
• Allstate offers discounts including utility vehicle, eSmart discount, senior citizen, teenSMART discount, new car, premier discount, and EZ pay plan discount.

If you are trying to find cheap insurance quotes, ask every insurance company how you can save money. Some discounts might not be available to policyholders everywhere.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you may require specific advice.

• Am I covered when using my vehicle for business?
• Can I afford to pay high deductible claims out of pocket?
• When does my teenage driver need to be added to my policy?
• Do I have newly-acquired coverage?
• Can my teen drive my company car?
• What are the best liability limits?
• I don’t drive much so do I pay less?
• How much underlying liability do I need for an umbrella policy?
• Can I rate high risk drivers on liability-only vehicles?
• Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for an Audi A6

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, hitting a bird and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your A6 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox, crashing into a building, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, funeral costs, ambulance fees, prosthetic devices and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2019 Audi A6.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Save your cold hard cash

In this article, we covered a lot of ways to lower your 2019 Audi A6 insurance premium rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best price on insurance coverage is with the least-expected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.