Lower your Audi A6 Rates in Less than Five Minutes
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. Unfortunately, it's not always as easy as it sounds to get the best rate. Finding insurance for your Audi A6 that you can actually afford is probably no different.
Step One: Compare Rates from Multiple Companies
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Welcome to the 21st century!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Audi A6 without even visiting their websites!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your A6 is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Tricks to Saving Money on A6 Insurance
What you actually pay to insure your Audi is determined by many factors, some of which you have no control over.
- The performance boost offered by your Audi A6 is going to force you to spend more for insurance. Consider trading for a lower performance vehicle in order to bring down your rates.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- The more a vehicles costs new, the more likely it is that repairs will cost more as well. Since the A6 is a luxury sedan vehicle insurance will cost a little more.
- How is your credit rating? The better credit you have, the less insurance will cost for your A6. If you have bad credit, work on improving your credit score and repair past credit problems.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Equipping your Audi with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
Step Three: Bind Coverage and Cancel your Old Policy
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Audi off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new A6 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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