Cheaper 1999 Audi A6 Car Insurance Cost

Trying to find cheaper auto insurance rates for your Audi A6? No one in their right mind looks forward to buying auto insurance, especially knowing they are paying too much. Companies like GEICO, Progressive and Allstate constantly bombard you with ads and it can be hard to ignore the propoganda and find the best price available.

Smart consumers take time to shop coverage around periodically because prices change quite often. Just because you had the best rates on A6 insurance a couple years back there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Comparison of Car Insurance

Cutting your car insurance rates is a fairly straight forward process. The only thing you need to do is invest a little time to get quotes from different insurance companies. This can be done in several different ways.

  1. The first (and easiest) way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating multiple quote forms to each individual car insurance company. Completing one form gets rate comparisons from car insurance companies with the best prices.
  2. A harder way to analyze rates requires visiting each company website to request a price quote. For examples sake, let’s say you want to compare rates from Farmers, Safeco and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The least efficient way of comparing rate quotes is driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the personal advice of a local agent. Drivers can price shop your coverage online but buy from a local insurance agent.

Whichever method you choose, make absolute certain that you use the exact same coverages for every company. If you have different deductibles it will be impossible to find the best deal for your Audi A6.

The fine print in insurance ads

Drivers constantly see and hear ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all say the same thing that you can save if you switch your coverage to them.

How can each company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the driver they prefer to insure. For instance, a desirable insured might be between 25 and 40, is a homeowner, and drives newer vehicles. A propective insured who fits that profile gets the lowest rates and most likely will save quite a bit of money when switching.

Consumers who do not match these standards must pay higher prices which leads to business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how insurance companies can make those claims.

This illustrates why drivers should get quotes from several different companies. You cannot predict which company will give you the biggest savings on Audi A6 insurance.

Factors that can influence insurance rates for an Audi A6

An important part of buying insurance is that you know the rating factors that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine premiums.

  • Small claims can cost you – Companies award cheaper rates to drivers who file claims infrequently. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Save money with special equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Liability insurance protects assets – The liability section of your policy provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Adjust deductibles and save – The deductibles represent how much money you are required to spend if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on A6 insurance.
  • Do men or women drive better? – Statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both are in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Audi has ratings of a minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Drive less and save money – Driving more miles in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Autos left parked in the garage can get a lower rate than those used for commuting. If your policy improperly rates your A6 may be costing you. Make sure your car insurance coverage is rated on the proper vehicle usage, because it can save money.

These discounts can slash insurance rates

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specially asked for prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Own a Home – Being a homeowner can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on A6 insurance than drivers with accident claims.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, insurance companies aren’t that generous. But any discount will cut your overall premium however.

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

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining if your situation might need professional guidance.

  • Can I afford to buy a different vehicle if my 1999 Audi A6 is totaled?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my insurance pay for OEM parts?
  • Does my 1999 Audi A6 need full coverage?
  • Am I getting all the discounts available?

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 an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Audi A6.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

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

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a deer and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, surgery and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Liability coverage

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, attorney fees, loss of income and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Shop Smart and Save

Discount 1999 Audi A6 insurance is definitely available both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented some good ideas how you can shop for insurance online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone dropped liability coverage limits only to regret at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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