View 2017 Audi A6 Insurance Rates in 2024

Drivers who are new to the process of buying car insurance online may find sourcing low cost insurance is more work than they anticipated.

How to shop insurance online

There are a variety of methods to compare insurance quotes, but some are more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could use the internet to achieve your goal.

All the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company provides a quote for coverage. This eliminates the need for quote requests to each company.

To find out what other companies charge enter your zip code here.

The one disadvantage to comparing rates this way is that consumers can’t choose which providers to get quotes from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just try to keep identical coverages on every quote. If you enter mixed coverages you can’t possibly determine the lowest rate for your Audi A6. Even a minor difference in limits could skew the results. And when price shopping your coverage, getting more free quotes provides better odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare prices from those companies as well.

Get lower rates with these insurance coverage discounts

Buying insurance coverage is not cheap, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but occasionally some discounts must be manually applied in order for you to get them. If you aren’t receiving every discount possible, you’re paying more than you need to.

• Discount for Switching Early – A few companies offer discounts for buying a policy early. It could save around 10% when you buy insurance online.
• Mature Driver Discount – Drivers over the age of 55 could receive lower premium rates on A6 coverage.
• Low Mileage – Fewer annual miles on your Audi can earn substantially lower premium rates.
• Clubs and Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
• Buy New and Save – Buying a new car model can get you a discount compared to insuring an older model.
• Active Military Service – Having a family member in the military may lower your rates slightly.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

A few companies who may offer most of the discounts above are:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

It’s a good idea to ask every insurance company the best way to save money. Savings may not be offered in your state. To find companies that provide some of the discounts listed above, enter your zip code here.

Auto insurance can get complicated

When it comes to buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions might point out whether you might need an agent’s assistance.

• Am I covered if I hit my neighbor’s mailbox?
• I don’t drive much so do I pay less?
• Do I have coverage for damage caused while driving under the influence?
• Is business property covered if stolen from my car?
• Do I need added coverage for expensive stereo equipment?
• I have a DUI can I still get coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Why you might pay inflated rates

The best way to find cheaper insurance coverage is to take a look at some of the elements that help calculate your premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels. Many different elements are considered when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are more obscure like your continuous coverage or your commute time.

The following are some of the most common factors utilized by car insurance companies to help set prices.

• Careless driving means higher rates – Good drivers get better rates than bad drivers. Just one chargeable violation can increase rates to the point where it’s not affordable. Drivers who have dangerous tickets like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
• Cut premiums and deter theft – Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
• Save by driving less – The higher the miles on your Audi every year the more it will cost to insure it. The majority of insurers apply a rate partially by how you use the vehicle. Vehicles used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Having the wrong rating on your A6 is throwing money out the window. Verify your insurance coverage policy is showing the correct usage for each vehicle.
• Getting married can save on insurance coverage – Walking down the aisle can get you a discount on your insurance coverage policy. Marriage translates into being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
• Bad credit will cost you – Having a bad credit score can be an important factor in your rate calculation. So if your credit rating is lower than you’d like, you could pay less to insure your 2017 Audi A6 by repairing your credit. People with good credit tend to be better drivers and file fewer claims as compared to drivers with lower ratings.
• Lower stress equals lower prices – Occupational choices like military personnel, business owners and accountants have higher average rates due to intense work requirements and lots of time spent at work. On the other hand, occupations like actors, students and performers generally pay rates lower than average on A6 coverage.

Car insurance coverages for an Audi A6

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Audi A6.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, crashing into a building, hitting a mailbox, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a bird and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like structural damage, attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, rehabilitation expenses, EMT expenses, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

When getting insurance quotes online, you should never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

We’ve covered some good ideas how you can save on 2017 Audi A6 insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap insurance. Consumers may even find the biggest savings come from the smaller companies.

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason for switching companies, switching companies is easier than you think.