2007 Audi A6 Insurance Rates

Trying to find better insurance coverage rates for your Audi A6? Overpriced Audi A6 insurance can drain your savings account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to make sure you’re not throwing money away.

Drivers have multiple car insurance companies to choose from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

It’s a great practice to price shop coverage every six months because prices change quite often. Just because you found the best rates on A6 coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, vehicle owners must understand how big insurance companies sell online and take advantage of how the system works.

Auto Insurance Comparisons

When shopping for auto insurance there are multiple ways to get quotes from auto insurance companies in your area. The best method to find competitive 2007 Audi A6 insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for each company. In just a few minutes this one form compares rates from auto insurance companies with the best prices.
  • A more difficult way to compare prices is spending the time to visit the website of each company and request a quote. For examples sake, we’ll pretend you want rates from Nationwide, State Farm and GMAC. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits on every quote. If you use different limits and deductibles on each one it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best rates.

Save money by taking advantage of these discounts

Companies don’t always advertise every available discount in a way that’s easy to find, so here is a list both the well known as well as the least known ways to save on car insurance.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break on your policy on A6 coverage.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on A6 coverage with certain companies.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Own a Home – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies with the best car insurance discounts, click here.

When should I use an insurance agent?

When it comes to choosing coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • Am I covered when driving on a suspended license?
  • What exactly is covered by my policy?
  • Am I better off with higher deductibles on my 2007 Audi A6?
  • Am I covered when driving a rental car?
  • Am I covered if hit by an uninsured driver?
  • When should my teen driver be added to my policy?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

The coverage is in the details

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision coverage pays for damage to your A6 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like EMT expenses, nursing services, rehabilitation expenses, funeral costs and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.