Audi A6 Insurance Quotes in Columbus

It’s an obvious assumption that insurance companies want to prevent you from shopping around. Insureds who do rate comparisons will probably switch companies because they have good chances of finding a policy with better rates. A survey found that consumers who compared prices once a year saved approximately $70 a month compared to those who never shopped around.

If finding discount rates on Audi A6 insurance in Columbus is why you’re reading this, then having some knowledge of how to quote and compare auto insurance can save money and time.

If saving the most money is your goal, then the best way to get more affordable car insurance rates in Columbus is to do an annual price comparison from insurers who sell insurance in Ohio.

1. Try to learn a little about car insurance and the things you can change to drop your rates. Many rating factors that result in higher rates like speeding tickets, accidents and a lousy credit rating can be rectified by being financially responsible and driving safely. This article provides more details to get cheaper rates and find discounts that you may qualify for.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes for a wide range of insurance providers. Start a quote
3. Compare the new rate quotes to your current policy and determine if there is any savings. If you can save some money and change companies, make sure coverage does not lapse between policies.
4. Provide written notification to your current company to cancel your current policy and submit the application along with any required down payment to your new insurance company. Make sure you place the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A good tip to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from every insurance company. This ensures a fair rate comparison and the best price selection.

Low Cost auto insurance in Columbus, OH

The auto insurance companies shown below are ready to provide comparison quotes in Ohio. If more than one company is shown, we recommend you visit two to three different companies in order to get a fair rate comparison.

Audi A6 insurance statistics and information

The table below outlines different coverage costs for Audi A6 models. Learning how rate quotes are calculated helps drivers make smart choices when buying a policy.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in garaging location in Columbus which can raise or lower coverage prices greatly.

Choosing deductibles

One of the hardest decisions when shopping for insurance is what deductibles to buy. The comparison tables below outline how much more you’ll pay between low and high comp and collision deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific zip code location which can impact coverage rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $13 more each month or $156 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 19 months between claim filings, you would more than likely save some money going with the higher deductible.

The illustration below illustrates how your deductible choice and can raise or lower Audi A6 insurance rates for each different age group. The data assumes a single male driver, full physical damage coverage, and no additional discounts are factored in.

Impact of violations and accidents on rates

The example below shows how violations and accidents can raise Audi A6 insurance premiums for each age group. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Insurance premiums based on gender

The chart below shows the difference between Audi A6 auto insurance costs for male and female drivers. The information is based on no claims or driving citations, full coverage, $250 deductibles, single status, and no other discounts are factored in.

Difference between liability only and full coverage rates

The chart below visualizes the comparison of Audi A6 insurance rates with full coverage and liability only. The prices are based on no claims or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no exact formula to eliminate full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your Audi A6 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Buy Audi A6 Insurance More Affordably

Multiple criteria are taken into consideration when you get your auto insurance bill. Some are obvious like your driving record, although some other factors are less obvious like your vehicle usage or your financial responsibility. Consumers need to have an understanding of some of the factors that come into play when calculating the level of your policy premiums. If you understand what influences your rates, this enables informed choices that may reward you with much lower annual insurance costs.

The list below includes just a few of the factors used by your company to calculate your rate level.

• Lower physical damage deductibles cost more – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, damage from fire, and having your car stolen. Physical damage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The more you pay before a claim is paid (deductible), the lower your rates will be.
• Long commutes cost more – Driving a lot of miles in a year’s time the more you’ll pay to insure it. The majority of insurers calculate rates based on how the vehicle is used. Cars that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. An improperly rated A6 is throwing money out the window.

• High premiums for teenage drivers – Teen drivers in Ohio are statistically proven to be easily distracted when driving with friends so they pay higher auto insurance rates. Parents adding a young driver onto a policy can increase premiums substantially. Older drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable.

  The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Being married pays dividends – Having a significant other may cut your premiums on your auto insurance bill. Having a spouse usually means you are more mature and it’s proven that drivers who are married are more cautious.
• Deter vehicle theft – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Vehicles with better crash test results cost less to insure – Cars with high safety ratings cost less to insure. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you.

• Insurance loss probability for an Audi A6 – Insurers include the past claim trends for vehicles to help determine rates. Vehicles that have higher losses will have higher rates.

  The table below demonstrates the actual insurance loss data for Audi A6 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles averaged together is a value of 100. Values under 100 imply a favorable loss record, while values over 100 indicate more frequent losses or a tendency for losses to be larger than average.

  
  

  Insurance Loss Ratings for Audi A6 Vehicles

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance policy discounts for Audi A6 insurance in Columbus

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts to help bring down the price. Many of these discounts will be applied automatically when you purchase, but occasionally some discounts must be asked about prior to getting the savings.

• Discount for Low Mileage – Driving less could earn substantially lower prices.
• Sign Early and Save – Select insurance companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
• Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Columbus auto insurance but check with your company.
• Save with More Vehicles Insured – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
• Discount for Multiple Policies – If you combine your homeowners and auto policies and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
• Discount for New Cars – Putting coverage on a new A6 is cheaper due to better safety requirements for new model year vehicles.
• Passive Restraint Discount – Factory options such as air bags could see savings as much as 30%.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any qualifying discounts will definitely reduce the cost of coverage.

The diagram below shows the comparison of Audi A6 yearly insurance costs with and without policy discounts. The costs are based on a female driver, no claims or violations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

Some of the insurance companies that possibly offer some of the discounts shown above include:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

When getting a coverage quote, ask all the companies to give you their best rates. Some discounts listed above might not be offered everywhere. To view insurance companies that have a full spectrum of discounts in Ohio, click here.

Car insurance quotes from local Columbus insurance agents

A lot of people still prefer to talk to a local agent and that is a smart decision Insurance agents are highly skilled in risk management and help file insurance claims. One of the great benefits of getting online price quotes is the fact that you can find cheap car insurance quotes but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your information gets sent to companies in Columbus who will return price quotes for your car insurance coverage. You never need to contact any insurance agencies because prices are sent directly to you. If you wish to get a price quote from a particular provider, just navigate to their website and fill out their quote form.

Picking the best insurer shouldn’t rely on just a cheap price. Agents should be asked these questions:

• Can you choose the body shop in case repairs are needed?
• When do they do policy reviews?
• What insurance companies do they work with in Columbus?
• Can they give you a list of client referrals?
• Do they offer claims assistance after hours?

Independent or Exclusive: It’s your choice

If you’re trying to find a local agent, you need to know there are two different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Columbus are either independent or exclusive depending on the company they work for. Either type can write policy coverage, but it’s good to learn how they are different because it can factor into your selection of an agent.

Exclusive Agents

Agents in the exclusive channel work for only one company such as American Family, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Shown below are Columbus exclusive insurance agencies that can give you rate quotes.

More insurance agents

Independent Insurance Agents

These type of agents are not employed by any specific company and that gives them the ability to insure amongst many companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company and the insured can keep the same agent. If you are trying to find cheaper rates, we recommend you include price quotes from independent agents in order to compare the most rates.

Below are Columbus independent insurance agents who can help you get comparison quotes.

More insurance agents

Don’t assume everyone needs the same insurance coverage

When quoting and comparing your policy for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help highlight whether you may require specific advice.

• Am I covered by my spouse’s policy after a separation?
• What is glass protection for?
• What can I do if my company won’t pay a claim?
• What should my uninsured motorist coverage limits be in Ohio?
• Is my Audi A6 covered if I use it for business?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Cheap auto insurance rates are possible

In this article, we covered some good ideas how to get a better price on Audi A6 insurance in Columbus. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest Audi A6 rate quotes. You may even find the lowest car insurance rates are with the least-expected company.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, high prices, denial of a claim and delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company can be easier than you think.

When buying insurance coverage, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Even more information can be read at these sites:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has the Cheapest Columbus Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Under 21 in Columbus? (FAQ)
• Who Has Affordable Auto Insurance for a Kia Optima in Columbus? (FAQ)
• Who Has the Cheapest Columbus Auto Insurance for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Drivers with a Bad Driving Record in Columbus? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Understanding Your Insurance Deductible (Insurance Information Institute)