It’s safe to conclude that insurance companies don’t want you quoting rates from other companies. Insureds who perform rate comparisons are highly likely to buy a different policy because there is a good probability of finding a more affordable policy premium. A recent auto insurance study discovered that consumers who regularly shopped around saved $3,450 over four years compared to other drivers who don’t regularly compare prices.
If finding the lowest rates on Audi A6 insurance in Sacramento is your ultimate target, then understanding how to shop for insurance rates can make shopping around easier.
Truthfully, the best way to find cheaper prices for Audi A6 insurance is to compare prices annually from different companies that insure vehicles in Sacramento. Drivers can shop around by following these steps.
Step 1: It will benefit you to learn about how auto insurance works and the factors you can control to prevent rate increases. Many rating criteria that cause high rates such as traffic violations, accidents, and an unfavorable credit rating can be amended by making lifestyle changes or driving safer.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple companies. View insurance agents
Step 3: Compare the price quotes to the price on your current policy to determine if you can save on A6 insurance. If you find a better price, make sure there is no lapse in coverage.
One key aspect of rate comparisons is to make sure you’re comparing the same amount of coverage on each price quote and and to get quotes from as many different companies as possible. This provides a fair rate comparison and maximum price selection.
Informed Drivers Know How to Quote Car Insurance at a Discount
Consumers need to have an understanding of some of the elements that play a part in calculating your premiums. If you know what impacts premium levels, this enables you to make decisions that can help you get lower car insurance prices. Many factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are more transparent like your continuous coverage or how financially stable you are.
Protect yourself with liability coverage – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for damages from an accident. It will provide legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
Save money with higher physical damage deductibles – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Audi from damage. A few examples of covered claims could be a broken side mirror, hitting a deer, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are required to pay if the claim is covered. The higher the amount you have to pay, the less your company will charge you for insurance.
Insurance costs and driver gender – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that men are worse drivers. Females and males cause at-fault accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore pay the highest rates.
The example below visualizes the comparison of Audi A6 insurance costs for male and female drivers. The data is based on no violations or accidents, full coverage, $500 deductibles, drivers are single, and no other discounts are factored in.
Stress out and pay more – Do you have a high-stress occupation? Careers like fire fighters, business owners, and dentists tend to pay higher premium rates because of job stress and extremely grueling work hours. On the other hand, occupations like professors, historians and performers have the lowest average rates.
Commute or pleasure use – Driving a lot of miles every year the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that do not get driven very much get more affordable rates than those used for commuting. Verify your car insurance coverage shows how each vehicle is driven, because improper ratings can cost you money. A policy that improperly rates your A6 is just wasting money.
Cheaper rates after marriage – Having a wife or husband can actually save you money when shopping for car insurance. Having a spouse generally demonstrates drivers are more responsible and it’s statistically proven that drivers who are married file infrequent claims.
Premiums increase with driving tickets – Careful drivers receive lower rates compared to bad drivers. Even one speeding ticket or other violation can increase rates to the point where it’s not affordable. Drivers unfortunate enough to have careless violations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
The example below illustrates how speeding tickets and at-fault accidents can raise Audi A6 yearly insurance costs for each different age group. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Discounts for auto and home policies – Most major car insurance companies will give a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to make sure you are getting the best deal. Drivers may still save even more even if you insure with multiple companies
Claims statistics for an Audi A6 – Auto insurance companies analyze historical claim data to determine a rate that will be profitable for them. Models that have higher claim amounts or frequency will have higher rates for specific coverages.
The information below illustrates the compiled insurance loss statistics for Audi A6 vehicles. For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Values that are under 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or an increased likelihood of larger losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi A6 4dr 2WD||146||112||134|
|Audi A6 4dr 4WD||153||70||155||53||55||59|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buy Sacramento Audi A6 insurance online
The companies shown below can provide price quotes in California. In order to find cheap car insurance in CA, we suggest you visit several of them to get the best price comparison.
Audi A6 insurance charts and tables
The premium table shown below showcases a range of insurance premium costs for Audi A6 models. Having insight into how insurance premiums are established can help you make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$330||$698||$500||$30||$150||$1,708||$142|
|A6 3.2 Premium Plus 4-Dr Sedan||$330||$698||$500||$30||$150||$1,708||$142|
|A6 3.0 Quattro Premium 4-Dr Sedan||$330||$698||$500||$30||$150||$1,708||$142|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$330||$698||$500||$30||$150||$1,708||$142|
|A6 3.0 Quattro Premium Station Wagon||$330||$698||$424||$26||$128||$1,606||$134|
|A6 3.0 Quattro Premium Plus Station Wagon||$330||$698||$424||$26||$128||$1,606||$134|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$330||$698||$500||$30||$150||$1,708||$142|
|A6 3.0 Quattro Prestige Station Wagon||$330||$698||$424||$26||$128||$1,606||$134|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$362||$778||$500||$30||$150||$1,820||$152|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in garaging location in Sacramento which can impact premiums considerably.
Full coverage or liability only
The illustration below compares Audi A6 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or accidents, $100 deductibles, marital status is single, and no discounts are factored in.
Are you wasting money on full coverage?
There is no written rule of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your Audi A6 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after you pay the deductible. If it’s costing you more than $400 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Why auto insurance is not optional
Despite the potentially high cost of Audi A6 insurance, buying auto insurance is a good idea for several reasons.
- The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Audi A6, more than likely the lender will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Audi at a much higher premium rate and make you pay for the much more expensive policy.
- Auto insurance protects not only your Audi but also your financial assets. It will also pay for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If you have damage to your Audi as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your A6 definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in California overpays more than $865 each year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.
Save money by taking advantage of discounts
Some companies don’t list every discount in an easy-to-find place, so the list below gives a summary of a few of the more well known as well as some of the hidden credits available to you. If you do not double check each discount you deserve, you’re paying more than you need to.
- Telematics Data – Insureds who allow driving data submission to study driving manner remotely such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
- Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Allstate and GEICO permit an accident without raising rates as long as you don’t have any claims prior to the accident.
- Military Deployment Discount – Having an actively deployed family member can result in better prices.
- Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
- Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
- Professional Memberships – Being a member of qualifying employment or professional organizations could trigger savings on your bill.
You should keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free insurance policy, insurance companies aren’t that generous.
The illustration below compares Audi A6 insurance premiums with and without discounts applied to the policy premium. The premiums are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, multi-car, and claim-free discounts applied.
Larger insurance companies and a partial list of their discounts are detailed below.
- Mercury Insurance has savings for type of vehicle, anti-theft, ease of repair, professional/association, and accident-free.
- Farmers Insurance policyholders can earn discounts including youthful driver, good student, homeowner, teen driver, and pay in full.
- Farm Bureau has discounts for safe driver, renewal discount, youthful driver, good student, and multi-vehicle.
- State Farm offers premium reductions for good student, multiple autos, passive restraint, good driver, driver’s education, multiple policy, and anti-theft.
- Allstate discounts include passive restraint, anti-theft, senior citizen, premier plus, farm vehicle, and good student.
- GEICO offers discounts for good student, membership and employees, anti-lock brakes, daytime running lights, and multi-vehicle.
Check with all companies you are considering which discounts they offer. Savings might not be offered in Sacramento. If you would like to see a list of insurance companies who offer cheap Audi A6 insurance quotes in California, click this link.
Do I need an insurance agency?
Many people prefer to sit down with an agent and that is just fine! Good agents can answer important questions and give you someone to call. The best thing about getting online price quotes is that you can obtain lower rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is sent to insurance agents in Sacramento who will give you bids for your coverage. You won’t even need to contact an agency as quotes are delivered directly to your email. If you want to get a price quote from a specific insurance provider, feel free to find their quoting web page and fill out their quote form.
Choosing the best provider requires more thought than just the premium amount. Get answers to these questions too.
- Can you use your own choice of collision repair facility?
- How many years have they been established?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have 24-hour customer assistance?
- Can they help ensure a fair claim settlement?
- If you are a high risk driver, do they have special markets for your coverage?
If you are wanting to find a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they operate. Insurance policy providers are classified as either independent or exclusive depending on the company they work for. Either can provide insurance policies, but it’s worth learning the differences because it may have an impact on the selection process.
Exclusive Insurance Agencies
Agents of this type can only place business with one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies are well schooled in insurance sales which helps them sell on service rather than price. Some insured continue to use the same agent mostly because of the brand legacy rather than low price.
Shown below is a short list of exclusive insurance agents in Sacramento willing to provide rate quotes.
- Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map
- Bob Spears – State Farm Insurance Agent
3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227 – View Map
- Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not restricted to one company and that is an advantage because they can write policies with many different companies and get the cheapest rates. If they find a cheaper price, they can switch companies in-house and you stay with the same agent.
When shopping rates, we highly recommend that you get several quotes from at least one independent agent in order to compare the most rates. Many write coverage with smaller mutual companies which can be an advantage.
Below is a list of independent agencies in Sacramento that are able to give price quote information.
- Valley Surety Insurance
947 Enterprise Dr # A – Sacramento, CA 95825 – (916) 567-6676 – View Map
- Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100 – View Map
- Nationwide Insurance: Welcome Financial Inc
1102 Jefferson Blvd c – West Sacramento, CA 95691 – (916) 231-3558 – View Map
Cheap coverage is out there
When getting Sacramento car insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best possible price, but do not skimp to save money.
Drivers leave their current company for any number of reasons including delays in paying claims, policy cancellation, unfair underwriting practices and poor customer service. Regardless of your reason for switching companies, finding a great new company can be pretty painless.
Lower-priced Audi A6 insurance in Sacramento is available online and with local Sacramento insurance agents, and you need to price shop both to have the best rate selection. A few companies may not offer rate quotes online and many times these smaller providers provide coverage only through independent agents.
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