How Much Does 2002 Audi A6 Car Insurance Cost?

Trying to find cheaper auto insurance rates for your Audi A6? People who are new to buying insurance online might discover shopping for cheap auto insurance quite difficult.

Audi A6 insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, social workers and accountants tend to pay higher rates than average due to stressful work requirements and long work hours. On the flip side, professions such as farmers, athletes and homemakers have the lowest average rates for A6 coverage.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If your Audi scored better than four stars on Safercar.gov it may be receiving lower rates.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men are in accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Too many auto insurance claims drive up costs – Insurance companies give discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Mature drivers pay less – Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers tend to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Lower miles equals lower premium – Driving more miles every year the more you will pay for auto insurance. Most companies apply a rate based on how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. If your policy improperly rates your A6 can cost quite a bit. Make sure your auto insurance coverage shows the proper vehicle usage.

These discounts can lower your rates

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known insurance coverage savings.

  • Memberships – Participating in certain professional organizations could trigger savings on your policy for A6 coverage.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for A6 coverage than drivers with accidents.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Audi can earn lower rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

As a disclaimer on discounts, most credits do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

To see a list of providers offering insurance coverage discounts, click here.

Do you really save 40% when you switch?

Insurance providers like Progressive, Geico, Allstate and State Farm consistently run ads on television and other media. They all have a common claim that you can save if you change to their company. But how can every company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who fall outside these standards will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the way they do. This emphasizes why it is so important to get as many quotes as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Different people need different coverages

When it comes to buying coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Do I have any recourse if my insurance company denies a claim?
  • When does my teenage driver need to be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I need replacement cost coverage on my 2002 Audi A6?
  • Should I bundle my homeowners policy with my auto?
  • Do I need motorclub coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2002 Audi A6.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Liability coverage

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as bail bonds, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, a broken windshield, vandalism and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like prosthetic devices, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Final thoughts

Cheap 2002 Audi A6 insurance can be found online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, policy cancellation, unfair underwriting practices and being labeled a high risk driver. Whatever your reason, switching insurance coverage companies is easier than you think.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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