2009 Audi A6 Insurance Rates – 5 Tips for Best Quotes

Finding lower rates for insurance is always difficult for consumers not familiar with comparison shopping online. There are so many options that it can quickly become a big hassle to locate the lowest price.

Buying the best car insurance is simple if you know the tricks. Essentially everyone who is required by state law to have car insurance most likely will be able to find better rates. But vehicle owners should learn how insurance companies market on the web and use this information to your advantage.

How to Get Auto Insurance Comparison Quotes

Comparing auto insurance rates can be exhausting if you aren’t aware of the easiest way. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Many insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company can provide price quotes. This system prevents you from having to do form submissions to each individual auto insurance company. To compare 2009 Audi A6 rates now click here (opens in new window).

The only downside to getting quotes like this is you can’t choose which companies to get pricing from. So if you prefer to pick specific providers to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits with each company. If you use mixed coverages it’s impossible to determine which rate is truly the best. Having just a slight variation in coverages may cause a big price difference. Just remember that more quotes will increase your chances of finding the best rates.

Cut prices on Audi A6 insurance

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some must be specially asked for in order for you to get them.

  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
  • Distant Student – Children who live away from home and do not have a car can receive lower rates.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will cut your premiums.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings might not be offered everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • If my 2009 Audi A6 is totaled, can I afford another vehicle?
  • Am I covered when driving on a suspended license?
  • What is the ISO rating for a 2009 Audi A6?
  • Does having multiple vehicles earn me a discount?
  • When should I drop full coverage on my 2009 Audi A6?
  • Do I have newly-aquired coverage?

If you can’t answer these 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, fill out this quick form.

Car insurance coverage basics

Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, damage from flooding, hitting a bird and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, funeral costs, nursing services, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Audi A6.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Liability auto insurance

This can cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical services, court costs, structural damage, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your A6 resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, hitting a mailbox, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.