How to Get the Absolute Best Rates When Insuring an Audi A6

Nobody I know enjoys paying for car insurance, in particular when the price is too high.

With so many choices of insurance companies, it can be diffult for consumers to choose the right company.

The purpose of this article is to familiarize you with how car insurance quotes work and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But car owners need to have an understanding of how companies determine prices and apply this information to your search.

Compare Car Insurance Today

There are multiple methods to compare car insurance quotes, and some are less time-consuming than others. You could waste a few hours driving to agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program that allows shoppers to send in one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to pricing coverage this way is you cannot specify which carriers you want to price. So if you prefer to choose from a list of companies to compare rates, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use identical coverages and limits for every quote you compare. If you compare unequal deductibles or liability limits you can’t possibly make an equal comparison. Just a small difference in coverage limits may result in a large different in cost. Keep in mind that quoting more will improve the odds of getting better pricing.

Misconceptions in car insurance advertisements

State Farm, Allstate and GEICO consistently run ads in print and on television. All the companies make the same claim that you can save if you change to them. How do they all make almost identical claims?

All the different companies can use profiling for the driver that makes them money. A good example of a profitable customer might be profiled as over the age of 50, is a homeowner, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Consumers who fall outside these standards must pay more money and ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the savings.

This illustrates why you should get as many comparisons as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

How much can you save with discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Most are applied when you get a quote, but less common discounts must be specially asked for before you will receive the discount.

• Homeowners Savings – Owning a home can help you save on car insurance because of the fact that having a home requires personal responsibility.
• Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
• Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
• New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
• Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

It’s important to note that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

For a list of companies offering car insurance discounts, click this link.

How much car insurance do I need?

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my babysitter covered when using my vehicle?
• Is my custom paint covered by insurance?
• What if I total my Audi A6 and owe more than it’s worth?
• How much liability coverage do I need in my state?
• Are all vehicle passengers covered by medical payments coverage?
• What discounts do I qualify for?
• Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Affordable insurance is out there

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Discount Audi A6 insurance is available both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.