Anyone knows that insurance companies want to keep you from shopping around. Drivers who compare price quotes are very likely to switch companies because of the good chance of finding a lower-cost company. A recent survey discovered that people who faithfully checked for cheaper rates saved as much as $860 a year compared to people who didn’t regularly shop around.
If finding budget-friendly rates on insurance is your ultimate target, learning how to compare insurance premiums can make the process less intimidating.
If your goal is the lowest price, then the best way to save money on Audi A6 insurance is to compare quotes annually from providers in Kansas City.
- Step 1: Spend some time learning about what is in your policy and the changes you can make to keep rates in check. Many risk factors that drive up the price like careless driving and a poor credit score can be controlled by making lifestyle changes or driving safer.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers. Click to view companies
- Step 3: Compare the new rates to your existing coverage and see if you can save money. If you can save money, make sure coverage does not lapse between policies.
The key aspect of shopping around is to try to compare the same coverage limits and deductibles on each quote and to quote with as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and the best price quote selection.
Finding the cheapest car insurance coverage in Kansas City can really be easy if you know what you’re doing. If you already have coverage or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Smart buyers just need to use the quickest way to shop online from multiple companies.
Coverage statistics and figures
The table displayed below outlines different insurance premium costs for Audi A6 models. Knowing how car insurance premiums are determined can help you make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $352 | $782 | $360 | $22 | $108 | $1,624 | $135 |
| A6 3.2 Premium Plus 4-Dr Sedan | $352 | $782 | $360 | $22 | $108 | $1,624 | $135 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $352 | $782 | $360 | $22 | $108 | $1,624 | $135 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $352 | $782 | $360 | $22 | $108 | $1,624 | $135 |
| A6 3.0 Quattro Premium Station Wagon | $352 | $782 | $306 | $18 | $92 | $1,550 | $129 |
| A6 3.0 Quattro Premium Plus Station Wagon | $352 | $782 | $306 | $18 | $92 | $1,550 | $129 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $352 | $782 | $360 | $22 | $108 | $1,624 | $135 |
| A6 3.0 Quattro Prestige Station Wagon | $352 | $782 | $306 | $18 | $92 | $1,550 | $129 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $386 | $872 | $360 | $22 | $108 | $1,748 | $146 |
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in zip code location which can revise coverage prices noticeably.
The example below demonstrates how deductibles and can influence Audi A6 insurance costs for each age group. The data assumes a married male driver, comp and collision included, and no policy discounts are applied.
Comparison of auto insurance rates by age and gender
The illustration below compares Audi A6 auto insurance rates for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single status, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The information below shows the comparison of Audi A6 car insurance costs when comparing full coverage to state minimum liability only. The data is based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no specific rule for dropping physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Audi A6 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying your policy deductible. If you are paying over $800 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.
Six factors that influence insurance premiums
Lots of things are considered when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but others are more transparent like your continuous coverage or your commute time. It’s important that you understand the different types of things that play a part in calculating car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates.
The following are some of the things used by insurance companies to determine your premiums.
Safety ratings are a factor – Vehicles with good safety scores get lower rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If the Audi A6 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Cautious drivers pay lower costs – Being a careful driver impacts premiums far more than you think. Good drivers tend to pay less for car insurance than bad drivers. Even one speeding ticket or other violation can increase the cost of insurance by as much as twenty percent. People who have flagrant tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
The example below shows how speeding tickets and fender-benders raise Audi A6 car insurance rates for each different age group. The premiums assume a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Buy as much liability coverage as you can afford – The liability section of your policy provides coverage in the event that you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
Annual mileage and car insurance rates – The more you drive your Audi in a year the more you will pay for car insurance. Many insurance companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Make sure your declarations sheet reflects the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your A6 may be costing you higher rates.
Premiums go up with performance – The performance level of the vehicle you are trying to find cheaper insurance for makes a huge difference in how high your rates are. Smaller low performance passenger vehicles normally have pretty low rates, but there are many factors that impact the final cost.
The next chart assumes a single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Audi A6 rates compared to other models of vehicles that have different performance rating factors.
Allowing your policy to lapse raises rates – Not maintaining insurance can get your license suspended and any future policy may cost more because you let your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance might get you a steep fine or even jail time.
Audi A6 insurance claim data – Insurers use historical loss data to help calculate a profitable premium rate. Models that the data shows to have higher prevalence or dollar amount of losses will cost more to insure. The table below outlines the historical loss data for Audi A6 vehicles.
For each insurance policy coverage type, the loss probability for all vehicles compiled together is equal to 100. Values under 100 indicate a favorable loss history, while numbers that are greater than 100 point to more claims or a tendency for claims to be larger.
| Specific Audi 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
Affordable rates are available
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.
Some companies do not provide internet price quotes and these small, regional companies work with local independent agents. Affordable Audi A6 insurance in Kansas City can be bought online as well as from insurance agents, so you should compare both so you have a total pricing picture.
We just showed you many tips how you can find lower-cost Audi A6 insurance in Kansas City. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with a small mutual company.
Additional detailed information can be found in these articles:
- Distracted Driving Extends Beyond Texting (State Farm)
- Who Has the Cheapest Kansas City Auto Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Kansas City? (FAQ)
- What Car Insurance is Cheapest for Government Employees in Kansas City? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance for Ride Shares? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)
- Auto Insurance 101 (About.com)
- Information for Teen Drivers (GEICO)