Sick and tired of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies to get the best rates possible.
Comparing insurance coverage rates is a ton of work if you aren’t aware of the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.
Most car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for. To compare pricing click here to start a free quote.
The only downside to doing it this way is that you can’t choose which companies to receive prices from. If you prefer to choose specific providers to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.
Whichever way you use, double check that you are using apples-to-apples coverage limits and deductibles on every quote. If you have different values for each quote you can’t possibly determine the best price for your Audi A6.
Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known car insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
It’s important to note that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.
A partial list of companies that may have some of the above discounts are:
Check with each insurance company how you can save money. Savings might not apply in your state.
When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine whether you would benefit from an agent’s advice.
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, nursing services and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Audi A6.
Collision insurance will pay to fix damage to your A6 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things such as emergency aid, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.