Affordable Insurance for an Audi A6 in Mesa

Have you finally had enough of scraping nickels together to insure your Audi every month? You have the same problem as the majority of other consumers in Arizona.

Remarkably, a study showed that almost 70% of insureds have remained with the same insurance company for at least four years, and nearly the majority have never compared rate quotes at all. Mesa insurance shoppers could pocket approximately $700 a year by just shopping around, but most just don’t grasp the amount of money they would save if they replace their high priced policy. There are many auto insurance companies to pick from, and though it is a good thing to be able to choose, more choices can make it harder to find the best rates for your vehicles.

Consumers should take time to check insurance prices before your next renewal since rates trend upward over time. Just because you had the best deal on Audi A6 insurance in Mesa on your last policy other companies may now be cheaper. There is a lot of bad advice regarding A6 insurance on the web, but in a few minutes you can learn a lot of great tips on how to lower your insurance premiums.

Our objective is to tell you the best way to quote coverages and also save some money in the process If you have coverage now, you will most likely be able to find better prices using these tips. Comparison shoppers only need to know the quickest method to get comparison rates using one simple form.

Getting a cheap price on Audi A6 insurance is surprisingly easy. All that’s required is to spend a few minutes getting comparison quotes online from several insurance companies.

Doing online rate quotes comparisons is so easy that it makes it obsolete to go to local Mesa insurance agencies. The internet makes this unnecessary unless you have a need for the extra assistance only provided by licensed Mesa agents. You can, however, compare the best prices online and get advice from an agent in your area.

The companies shown below have been selected to offer price quotes in Arizona. If multiple companies are listed, we recommend you get prices from several of them to get the best price comparison.

Mesa insurance discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you complete an application, but a few must be inquired about in order for you to get them. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

• Drivers Education – Require your teen driver to enroll in driver’s education as it can save substantially.
• ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more on A6 insurance in Mesa.
• Claim-Free Discount – Drivers who don’t have accidents can earn big discounts in comparison to drivers who are more careless.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Mesa car insurance quote.
• Federal Employees – Active or former government employment may reduce rates when you quote Mesa car insurance depending on your insurance provider.

As a footnote on discounts, most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

The information below shows the difference between Audi A6 car insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.

Popular insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm offers discounts for Drive Safe & Save, good student, multiple autos, good driver, student away at school, and driver’s education.
• GEICO includes discounts for seat belt use, good student, multi-vehicle, membership and employees, daytime running lights, and driver training.
• Progressive discounts include good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
• 21st Century may have discounts that include theft prevention, defensive driver, student driver, good student, teen driver, and automatic seat belts.
• American Family has discounts for good driver, Steer into Savings, multi-vehicle, TimeAway discount, accident-free, and early bird.
• The Hartford may include discounts for driver training, anti-theft, good student, air bag, bundle, and vehicle fuel type.
• AAA policyholders can earn discounts including education and occupation, anti-theft, pay-in-full, good driver, and good student.

If you need low cost Mesa car insurance quotes, ask every company which discounts you qualify for. A few discounts may not apply to policyholders in your state. To view insurance companies with discount insurance rates in Mesa, click here.

Audi A6 insurance coverage information

The coverage information below covers a range of coverage costs for Audi A6 models. Learning a little about how policy rates are formulated is important for you to make informed decisions when shopping around for a new policy.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can change auto insurance rates greatly.

Raise deductibles and save

A question often asked by Mesa drivers is how high or low should comp and collision deductibles be. The following tables outline the rate fluctuation when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $100 deductible and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $30 more each month or $360 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would probably come out ahead by selecting a higher deductible.

One big caveat is that raising deductibles to save money means you pay more out-of-pocket when you have a physical damage claim. You need to have enough disposable income in the event you have to pay the deductible for vehicle repair.

The illustration below demonstrates how choosing different deductibles and can influence Audi A6 insurance premiums for different insured age categories. The costs are based on a married male driver, full coverage, and no policy discounts are applied.

Full coverage versus liability only rates

The illustration below shows the comparison of Audi A6 yearly insurance costs with liability coverage only compared to full coverage. The price estimates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.

When to buy liability coverage only

There is no clear-cut rule to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Audi A6 book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying your policy deductible. If premium cost is more than $800 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

How do Insurers Determine Audi A6 Insurance Premiums?

Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are less apparent such as whether you are married or how safe your car is.

• Use credit responsibly and save – An insured’s credit history is likely to be a major factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit history can be improved, you could be paying less to insure your Audi A6 by taking the time to improve your credit score.

• Women tend to be lower risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Females and males get in at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.

  The illustration below illustrates the difference between Audi A6 insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

• Don’t skimp on liability insurance – Liability insurance kicks in if ever you are determined to be liable for causing personal injury or damage in an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Prices are affected by your address – Living in small towns and rural areas is a good thing when insuring your vehicles. Fewer drivers means a lower chance of having an accident in addition to lower liability claims. People in densely populated areas regularly have congested traffic and longer commutes to work. The longer drive time means more chance of being in an accident.
• Add-on coverages are wasting money – There are many extra bells and whistles that sound like a good idea at the time if you aren’t careful. Things like roadside assistance, towing coverage, and membership fees may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but if you have no use for them get rid of them and save.

• Experienced drivers pay less – Mature drivers are shown to be more cautious, statistically cause fewer accidents, and usually have better credit. Inexperience drivers are statistically shown to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.

  The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Poor driving habits leads to higher prices – Having a clean driving record impacts your car insurance rates tremendously. Having a single speeding ticket or other violation can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have received flagrant tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state DMV in order to prevent a license revocation.

  The example below illustrates how speeding tickets and accident claims influence Audi A6 premium costs for different age groups of insureds. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

• Cheaper rates with high coverage deductibles – Your deductibles state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are rear-ending another vehicle, collision with a deer, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance.

• Audi A6 claim probability – Car insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset losses. Vehicles that the statistics show to have higher frequency or amount of claims will cost more for specific coverages. The table below outlines the loss history for Audi A6 vehicles.

  For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, equals 100. Values that are under 100 are indicative of better than average losses, while values over 100 indicate more frequent claims or an increased chance of larger losses than average.

  
  

  Car Insurance Loss Data for Audi A6 Models

  Vehicle 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years