Having to pay for overpriced car insurance can drain your checking account and put a big crunch on your finances. Doing a price comparison is a great way to slash your bill and have more diposable income.
Numerous auto insurance companies battle for your business, so it’s not easy to compare every company to find the lowest price
Comparing insurance coverage rates can take hours if you don’t know the easiest way. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web to quickly compare rates.
Many popular insurance companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company provides a quote determined by their information. This system prevents you from having to do quotation requests to every company.
To find out what other companies charge for 2009 Audi A6 insurance click here to open in new window.
The only drawback to using this type of system is buyers cannot specifically choose the companies you want pricing from. If you would rather choose individual companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.
Whichever method you choose, be sure to compare exactly the same coverages and limits with every price quote. If your comparisons have differing limits then you won’t be able to determine the best price for your Audi A6. Slightly different coverage limits can mean a large discrepancy in price. Just keep in mind that quoting more will increase your chances of finding the best offered rates.
Companies offering auto insurance do not list every discount in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving.
Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.
For a list of companies with discount insurance coverage rates, click here to view.
When buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining whether you would benefit from an agent’s advice.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.
Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from flooding, hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include 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 doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
This coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability can pay for things such as loss of income, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, X-ray expenses and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This pays for damage to your A6 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things such as scraping a guard rail, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.