Looking for the cheapest car insurance rates for your Audi A6? Sick and tired of scraping the payment together each month for car insurance? You are no different than most other car owners. Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest rate possible.
If you have a policy now or need a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the most effective way to shop their coverage around online.
The most recommended method to compare car insurance company rates is to take advantage of the fact auto insurance companies will pay a fee to give rate comparisons. To get started, all you need to do is provide a small amount of information including whether you have decent credit, marital status, if you have an active license, and what you do for a living. Your rating data is instantly provided to all major companies and you receive quotes instantly to find the best rate.
The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but less common discounts must be asked about prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, companies don’t profit that way. But any discount will cut your overall premium however.
Car insurance companies that possibly offer these money-saving discounts include:
It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not be available in your state.
When buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining whether or not you may require specific advice.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2008 Audi A6.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, doctor visits, ambulance fees and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, rock chips in glass, fire damage and hail damage. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Auto liability insurance – This provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like structural damage, loss of income, emergency aid, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.