2009 Audi A6 Car Insurance Cost – 8 Tips for Best Prices

Want better car insurance rates for your Audi A6? Shopping for low-cost car insurance over the internet is problematic for consumers new to comparing rates online. With such a large number of online companies available, how can you have a chance to compare every company to locate the best available price?

The quickest way to get policy rate comparisons is to know the fact almost all companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information like if you have a valid license, whether you have decent credit, if you’re married, and if it has an alarm system. The rating information is instantly sent to multiple different insurance companies and they respond with quotes very quickly.

To start a rate quote now, click here and enter the information requested.

Discounts are available to cut your rates

Companies don’t always list all available discounts in a way that’s easy to find, so we researched some of the best known and the more hidden auto insurance savings.

  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on A6 insurance depending on your company.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Audi can earn discounted rates on garaged vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Drive Safe and Save – Safe drivers may save up to 50% more on A6 insurance than their less cautious counterparts.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up on their website.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.

Insurance companies that may have these money-saving discounts include:

Check with all companies you are considering what discounts are available to you. Some discounts may not apply in your area.

Everyone needs different coverages

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Is my teenager covered with friends in the car?
  • Does having multiple vehicles earn me a discount?
  • How many claims can I have before being cancelled?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover my expensive audio equipment?
  • Is my nanny covered when driving my vehicle?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Advertising myths

Companies like State Farm, Allstate and Geico regularly use ads in print and on television. All the ads have a common claim about savings if you move your policy. How can each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the type of driver they prefer to insure. For example, a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don’t meet the “perfect” profile will be quoted higher prices and this can result in the customer not buying. The ads state “customers who switch” not “everybody who quotes” save that much. That is how companies can make those claims. This emphasizes why you should compare many company’s rates. You cannot predict which insurance companies will have the lowest Audi A6 insurance rates.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, dental work, doctor visits, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, fire damage, hitting a deer, vandalism and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your A6 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage can cover damage that occurs to a person or their property. 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 policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, emergency aid, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Best coverage at the best price

Cheap 2009 Audi A6 insurance is attainable both online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Insureds change insurance companies for many reasons like delays in responding to claim requests, delays in paying claims, lack of trust in their agent and even an unsatisfactory settlement offer. Whatever your reason, switching companies is not as hard as you think.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Additional information