Anyone knows that insurance companies don't want you shop around. Consumers who shop around for a cheaper policy will presumably switch companies because they have a good chance of finding lower rate quotes. A study showed that drivers who faithfully checked for cheaper rates saved on average $3,500 over four years compared to those who never shopped around for lower prices.
If finding the lowest rates on auto insurance is your objective, learning how to choose a company and compare insurance premiums can make the process more efficient.
If saving money is your primary concern, then the best way to find cheaper prices for Audi A6 insurance is to compare prices annually from companies who can sell car insurance in Fort Worth. You can shop around by following these guidelines.
Step 1: Take a little time to learn about how auto insurance works and the steps you can take to prevent high rates. Many policy risk factors that result in higher prices such as at-fault accidents, careless driving, and poor credit history can be amended by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on A6 insurance in Fort Worth. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your intent to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. Once the paperwork is finalized, safely store the certificate verifying coverage in an easily accessible location.
The most important part of shopping around is to use the same level of coverage on every price quote and and to analyze every insurance company. Doing this ensures an apples-to-apples comparison and maximum price selection.
Companies offer lots of discounts on Audi A6 insurance in Fort Worth
Car insurance is not an enjoyable expense, but there are discounts available that many people don't even know exist. Some of these discounts will be visible when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit. If you're not getting every credit available, you could be paying more than you need to.
- Good Students Pay Less - Being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
- Theft Prevention Discount - Cars and trucks optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Include Life Insurance and Save - If the company offers life insurance, you could get a discounted price on car insurance if you buy a life insurance policy as well.
- Service Members Pay Less - Having a deployed family member could qualify you for better premium rates.
- Passive Restraints - Cars that have air bags or automatic seat belts may earn rate discounts as much as 30%.
- Accident Forgiveness - Not necessarily a discount, but a few companies such as GEICO, State Farm, and Progressive will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
- Drivers Education - It's a good idea to have your young drivers complete a driver education course if it's offered in school.
- Bundled Policy Discount - When you combine your auto and home insurance with one company you could save approximately 10% to 15%.
- Sign Online - Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the internet.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, car insurance companies aren't that generous.
The chart below shows the comparison of Audi A6 insurance costs with and without policy discounts. The costs are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, homeowner, and multi-policy discounts applied.
Companies that may offer policyholders most of these discounts may include but are not limited to:
Before purchasing a policy, check with each company or agent what discounts are available to you. A few discounts might not be offered on policies in Fort Worth. For a list of companies that offer multiple discounts in Fort Worth, click this link.
There are several ways to get quotes from lots of Texas car insurance companies. The fastest way to compare Audi A6 insurance prices consists of obtaining rate quotes online.
Doing online quotes comparisons is so easy that it makes it a waste of time to drive around to each insurance agency near you. Quoting and buying Audi A6 insurance online reduces the need to sit down with an agent unless you prefer the professional assistance that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop online and have a local agent actually service the policy.
It's important to know that comparing a wide range of rates gives you a better chance of getting the best offered rates. Some companies don't provide online price quotes, so it's recommended that you also compare price estimates on coverage from those companies, too.
The companies in the list below are our best choices to provide comparison quotes in Texas. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.
Audi A6 detailed coverage information
The premium table below covers different policy rates for Audi A6 models. Knowing how auto insurance premiums are formulated can help guide drivers when making smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$286||$602||$430||$26||$128||$1,472||$123|
|A6 3.2 Premium Plus 4-Dr Sedan||$286||$602||$430||$26||$128||$1,472||$123|
|A6 3.0 Quattro Premium 4-Dr Sedan||$286||$602||$430||$26||$128||$1,472||$123|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$286||$602||$430||$26||$128||$1,472||$123|
|A6 3.0 Quattro Premium Station Wagon||$286||$602||$366||$22||$110||$1,386||$116|
|A6 3.0 Quattro Premium Plus Station Wagon||$286||$602||$366||$22||$110||$1,386||$116|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$286||$602||$430||$26||$128||$1,472||$123|
|A6 3.0 Quattro Prestige Station Wagon||$286||$602||$366||$22||$110||$1,386||$116|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$312||$672||$430||$26||$128||$1,568||$131|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location information which can impact premiums substantially.
Comparison of policy deductibles
A question often asked by Fort Worth drivers is at what level do you set your deductibles. The rates below summarize the premium difference when you buy lower versus higher deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$454||$908||$382||$22||$114||$1,905||$159|
|A6 3.2 Premium Plus 4-Dr Sedan||$454||$908||$382||$22||$114||$1,905||$159|
|A6 3.0 Quattro Premium 4-Dr Sedan||$454||$908||$382||$22||$114||$1,905||$159|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$454||$908||$382||$22||$114||$1,905||$159|
|A6 3.0 Quattro Premium Station Wagon||$454||$908||$324||$20||$96||$1,827||$152|
|A6 3.0 Quattro Premium Plus Station Wagon||$454||$908||$324||$20||$96||$1,827||$152|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$454||$908||$382||$22||$114||$1,905||$159|
|A6 3.0 Quattro Prestige Station Wagon||$454||$908||$324||$20||$96||$1,827||$152|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$496||$1014||$382||$22||$114||$2,053||$171|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$332||$614||$382||$22||$114||$1,464||$122|
|A6 3.2 Premium Plus 4-Dr Sedan||$332||$614||$382||$22||$114||$1,464||$122|
|A6 3.0 Quattro Premium 4-Dr Sedan||$332||$614||$382||$22||$114||$1,464||$122|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$332||$614||$382||$22||$114||$1,464||$122|
|A6 3.0 Quattro Premium Station Wagon||$332||$614||$324||$20||$96||$1,386||$116|
|A6 3.0 Quattro Premium Plus Station Wagon||$332||$614||$324||$20||$96||$1,386||$116|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$332||$614||$382||$22||$114||$1,464||$122|
|A6 3.0 Quattro Prestige Station Wagon||$332||$614||$324||$20||$96||$1,386||$116|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$362||$686||$382||$22||$114||$1,566||$131|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in zip code location which can lower or raise rates considerably.
Using the data above, we can ascertain that using a $100 deductible costs approximately $37 more each month or $444 a year across all Audi A6 models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 11 months between claims, you would come out ahead by selecting a higher deductible. The table below shows the way you can come to your own conclusion.
|Average monthly premium for $100 deductibles:||$158|
|Average monthly premium for $500 deductibles (subtract):||- $121|
|Monthly savings from raising deductible:||$37|
|Difference between deductibles ($500 - $100):||$400|
|Divide difference by monthly savings:||$400 / $37|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||11 months|
An important sidenote is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have to file a claim. You need to make sure you have some extra funds in the event you have to pay more to get your vehicle repaired.
Audi A6 liability-only versus full coverage
The diagram below shows the difference between Audi A6 insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no violations or accidents, $500 deductibles, single status, and no discounts are applied.
When to stop paying for full coverage
There is no exact formula of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's say your Audi A6 book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after you pay the deductible. If premium cost is more than $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Learn How to Lower Your Insurance Premiums
The best way to find cheaper auto insurance is to take a look at some of the elements that help calculate the rates you pay for auto insurance. If you understand what impacts premium levels, this allows you to make good choices that will entitle you to cheaper rates. Many things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage or how safe your car is.
Shown below are some of the major factors that factor into prices.
Consider raising physical damage deductibles - Insurance for physical damage to your car, also called 'full coverage', insures against damage to your Audi. Examples of some claims that would be covered are a windshield shattered by a rock, collision with an animal, and having your car stolen. The deductibles define the amount you are required to pay if the claim is covered. The more of the claim you choose to pay out-of-pocket, the better rate you will receive.
Safer vehicles cost less to insure - Safer cars tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims which can mean better rates for you. If your Audi A6 is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Responsible drivers pay better rates - Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Getting just one ticket may cause rates to rise by twenty percent. Drivers with flagrant tickets like reckless driving or DUI may find that they have to to submit a SR-22 form with their state motor vehicle department in order to keep their license.
The illustration below demonstrates how traffic citations and at-fault fender-benders increase Audi A6 auto insurance costs for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Car and home together may be cheaper - Most companies apply better rates to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you already get this discount, you still need to compare other company rates to make sure you are getting the best deal.There is a chance you can save money by buying from different companies
Pay more for higher performance vehicles - The make and model of the vehicle you need to insure makes a big difference in your rates. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but your final cost has many other factors.
The next chart assumes a married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Audi A6 rates compared to other models that have different risk factors.
Audi A6 insurance loss data - Companies use past insurance losses to help calculate a profitable premium price. Vehicles that tend to have higher losses will cost more to insure.
The table shown below demonstrates the collected loss data for Audi A6 vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is set at 100. Numbers that are below 100 suggest a better than average loss history, while numbers above 100 point to more frequent losses or larger claims.
|Vehicle 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
Statistics from IIHS.org for 2013-2015 Model Years
How much car insurance do I need?
When buying the right insurance coverage, there is no one size fits all plan. Each situation is unique.
For instance, these questions could help you determine whether or not you would benefit from an agent's advice.
- Should I buy additional glass protection?
- I don't drive much so do I pay less?
- How much liability insurance is required?
- How much coverage applies to personal belongings?
- Do I need to call my car insurance company before buying a new car?
- At what point should I drop full coverage?
- Am I covered if I wreck a rental car?
- Do I have coverage when making deliveries for my home business?
If you can't answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Don't I need to have guidance from an insurance agency?
Some consumers would prefer to sit down and talk to an agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance prices online is that you can find cheap rate quotes but also keep your business local. And providing support for local agencies is important especially in Fort Worth.
Upon completion of this quick form, the coverage information is sent to agents in your area who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to leave your computer since price quotes are sent to you directly. Get lower rates AND a local agent. If you wish to get a comparison quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
If you want to use an insurance agent, you must know there are a couple types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents in Fort Worth can be described as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies
Agents of this type can quote rates with many companies and that is an advantage because they can write policies through many companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally and you don't have to find a new agent. When comparing car insurance rates, it's recommended you compare prices from several independent agencies so that you have a good selection of quotes to compare.
Featured below is a small list of independent agencies in Fort Worth that may be able to give price quotes.
Agents of this type can only provide pricing for a single company and examples are State Farm or Allstate. Exclusive agents cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. These agents are well schooled in insurance sales which helps them compete with independent agents.
Below is a short list of exclusive insurance agencies in Fort Worth willing to provide rate quotes.
Selecting an auto insurance agent should depend on more than just a cheap quote. Any agent in Fort Worth should have no problem answering these questions:
- Where would your vehicle be repaired?
- Does the company allow you to choose your own collision repair facility?
- Is the agent and/or agency licensed to do business in Texas?
- Will the agent or a CSR service your policy?
- Do they see any coverage gaps in your plan?
- Do they review policy coverages at every renewal?
- Do they get paid more for recommending certain coverages?
- Will their companies depreciate repairs to your car based on the mileage?
Once you have acceptable answers to any questions you have as well as a affordable price, you have narrowed it down to an insurance agency that is a good match to adequately provide car insurance. But remember, policyholders can cancel coverage whenever you choose to so never assume you're contractually obligated to any specific agency for any length of time.
Three reasons auto insurance is important
Despite the high insurance cost for a Audi A6 in Fort Worth, buying auto insurance serves a purpose in several ways.
- Most states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your A6 has a lienholder, most banks will require you to have insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Audi at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects both your Audi and your assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Audi as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. Unknowingly, the average driver is overpaying more than $865 each year so we recommend shopping around every year to ensure rates are inline.
Affordable car insurance rates are out there
When shopping online for car insurance, make sure you don't reduce coverage to reduce premium. In many instances, an insured cut collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price, but don't skip important coverages to save money.
Cheaper car insurance in Fort Worth is attainable online and from local agencies, so get free Fort Worth car insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agencies.
We just presented a lot of information how to reduce Audi A6 insurance premium rates online in Fort Worth. The key concept to understand is the more you quote Fort Worth car insurance, the better your chances of lowering your prices. You may even discover the best premium rates are with an unexpected company.
For more information, feel free to visit these articles:
- Determining Auto Insurance Rates (GEICO)
- Who Has Affordable Fort Worth Car Insurance Quotes for Nurses? (FAQ)
- How Much is Fort Worth Car Insurance for a Hyundai Elantra? (FAQ)
- Who Has Cheap Auto Insurance for 17 Year Olds in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota Tacoma in Fort Worth? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Child Safety FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)