No normal person rejoices having to buy insurance, especially knowing it costs too dang much.
It's hard to fathom, but the vast majority of drivers have been with the same company for well over three years, and nearly the majority have never quoted rates to find cheaper coverage. Many drivers in Indiana could save an average of nearly $700 each year just by getting comparison quotes, but most just don't grasp how much savings they would realize if they switched to a more affordable policy.
Having so many choices for buying cheaper insurance for an Audi A6 in Evansville, it can be challenging to choose the lowest cost insurer.
Quoting affordable policy in Evansville is easy if you know what you're doing. Nearly everyone who requires lower cost insurance will more than likely buy a cheaper policy. Nevertheless, Indiana consumers must understand how companies market on the web and take advantage of how the system works.
Best companies for affordable Audi A6 insurance in Indiana
The auto insurance companies shown below provide price comparisons in Evansville, IN. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$160||$346||$318||$18||$94||$936||$78|
|A6 3.2 Premium Plus 4-Dr Sedan||$160||$346||$318||$18||$94||$936||$78|
|A6 3.0 Quattro Premium 4-Dr Sedan||$212||$352||$368||$22||$110||$1,064||$89|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$244||$452||$280||$16||$84||$1,076||$90|
|A6 3.0 Quattro Premium Station Wagon||$304||$616||$246||$14||$74||$1,254||$105|
|A6 3.0 Quattro Premium Plus Station Wagon||$278||$452||$312||$18||$94||$1,154||$96|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$304||$616||$290||$18||$86||$1,314||$110|
|A6 3.0 Quattro Prestige Station Wagon||$294||$646||$288||$18||$86||$1,332||$111|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$406||$920||$380||$22||$114||$1,842||$154|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in zip code location which can alter coverage rates considerably.
Gender-based car insurance rates by age
The diagram below shows the difference between Audi A6 insurance rates for male and female drivers. The price estimates are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
An analysis of deductible level
The information below illustrates how your choice of deductibles and can increase or decrease Audi A6 annual premium costs for different ages of insureds. The data is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Eight factors that influence insurance costs
Lots of factors are considered when quoting car insurance. Some factors are common sense like an MVR report, although others are more transparent like your continuous coverage or your vehicle rating.
The itemized list below are some of the most common factors that factor into your premiums.
Drive less and pay lower prices - Driving a lot of miles every year the more it will cost to insure it. A lot of companies rate vehicles based upon how much you drive. Cars and trucks left parked in the garage cost less to insure than vehicles that are driven to work every day. Ask your agent if your declarations sheet reflects annual mileage. Incorrect rating for your A6 may be costing you higher rates.
Lower rates with a multi-policy discount - Most insurance companies apply a discount to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to ten percent or more. Even if you're getting this discount it's in your best interest to compare Audi A6 rates in Evansville to help guarantee you have the best rates.
High physical damage deductibles equal low rates - Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some coverage claims could be collision with another vehicle, hail damage, and having your car stolen. The deductibles define the amount you are willing to pay before your insurance pays a claim. The more of the claim you have to pay, the less money you will pay for insurance.
Certain jobs pay higher premiums - Occupations such as judges, executives and medical professionals generally pay higher premium rates because of intense work-related stress and lots of time spent at work. Conversely, jobs like professors, students and retirees have the lowest average rates.
Avoid tickets and save - Even one citation can increase the cost of insurance by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers unfortunate enough to have flagrant violations such as DWI, reckless driving or hit and run convictions may be required to complete a SR-22 with their state's department of motor vehicles in order to prevent a license revocation.
Policy add-ons could be costing you - Policies have extra coverages that can add up on your A6 policy. Coverage for things like vanishing deductibles, towing, and extra equipment coverage are some examples. They may sound like good ideas when talking to your agent, but if they're wasting money think about removing them and cutting costs.
Influences performance influences rates - The make and model of the car, truck or SUV you need to insure makes a significant difference in how high your rates are. Due to the fact that the Audi A6 falls in the luxury sedan class, insuring your vehicle will cost more as compared to the average rate in Evansville. Lower performance four cylinder passenger vehicles usually have the lowest rates, but other factors influence the final cost greatly.
Which gender costs less? - The statistics show that females tend to be a little less risky than males. It does not mean men are worse drivers. Females and males cause at-fault accidents in similar percentages, but the males cause more damage. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI). Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.
Audi A6 insurance loss probability - Insurance companies analyze past claim statistics in order to profitably underwrite each model. Vehicles that have higher claim frequency or loss amount will cost more to insure. The next table illustrates the historical insurance loss data for Audi A6 vehicles.
For each policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Percentage values below 100 indicate a favorable loss history, while percentage values above 100 indicate more frequent claims or a tendancy for losses to be larger than average.
Insurance Loss Ratings for Audi A6 Vehicles
|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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheaper Audi A6 insurance rates in Evansville
Some providers do not list all available discounts in a way that's easy to find, so the following is a list of a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Evansville car insurance online.
- Use Seat Belts - Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Drivers Ed for Students - Require your teen driver to successfully take a driver's education course if offered at their school.
- Own a Home - Owning a home in Evansville can save you money because it is proof of financial responsibility.
- Student Discounts - Being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
- Discount for Passive Restraints - Options like air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
You should keep in mind that some credits don't apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, companies don't profit that way.
Larger insurance companies and their possible discounts are outlined below.
- Farmers Insurance has savings for youthful driver, bundle discounts, homeowner, alternative fuel, electronic funds transfer, and multi-car.
- Esurance may offer discounts for emergency road assistance, Pac-12 alumni, good student, multi-policy, anti-theft, and defensive driver.
- State Farm offers discounts for safe vehicle, Steer Clear safe driver discount, good student, multiple autos, passive restraint, and defensive driving training.
- GEICO includes discounts for air bags, five-year accident-free, multi-vehicle, military active duty, defensive driver, and anti-lock brakes.
- Allstate may include discounts for anti-lock brakes, utility vehicle, auto/life discount, good payer, and premier discount.
If you are trying to find the cheapest Audi A6 rate quotes, ask each company or agent to apply every possible discount. Some discounts may not apply in Evansville.
Shop online but buy locally
Many people still like to go talk to an agent and that is OK! A nice benefit of getting online price quotes is that drivers can save money and get lower premium rates and still have an agent to talk to. Buying from local insurance agencies is important especially in Evansville.
By using this form (opens in new window), your information is emailed to local insurance agents who can give free rate quotes to get your business. You won't even need to do any legwork due to the fact that quote results will go directly to you. It's the lowest rates and an insurance agent to talk to. If you wish to get a price quote from a specific insurance provider, feel free to find their quoting web page and fill out their quote form.
If you need to find a reliable insurance agent, there are a couple of different agency structures and how they differ in how they quote coverages. Agencies in Evansville can be categorized as either exclusive or independent.
Independent Insurance Agencies
Independent insurance agents do not sell for just one brand so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If prices rise, they simply move your policy to a different company and you stay with the same agent.
When searching for an agent, we recommend you get rate quotes from several independent agencies to get the most accurate price comparison.
The following is a list of independent insurance agencies in Evansville who may provide price quote information.
Exclusive Insurance Agencies
Agents of this type can only provide one company's prices like Allstate, Farmers Insurance or State Farm. They generally cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their company's products which helps them sell insurance even at higher premiums.
Below is a list of exclusive insurance agents in Evansville that are able to give price quotes.
Manuel Ramirez - State Farm Insurance Agent
4709 Theater Dr - Evansville, IN 47715 - (812) 477-8882 - View Map
Finding the right insurance agent shouldn't rely on just a cheap price. These questions are important to ask:
- Is the agent CPCU or CIC certified?
- Do they specialize in personal lines coverage in Evansville?
- Can glass claims be handled at your home?
- What company do they have the most business with?
- Do they get paid more for recommending certain coverages?
Be skeptical of car insurance ads
Car insurance companies such as Allstate and Progressive regularly use ads on television and other media. They all seem to state the claim that drivers will save a bundle just by moving your car insurance policy to them. That's great but how can every company lower your premium rates? This is the way they can do it.
Most companies have a preferred profile for the type of customer that will be a good risk. For instance, a profitable customer may be between the ages of 30 and 45, has no claims, and drives newer vehicles. Anyone who meets those qualifications receive the lowest rate quotes in Evansville and is almost guaranteed to save some money.
Potential customers who may not quite match the "perfect" profile will probably have to pay a more expensive rate which translates to the driver buying from a lower-cost company. The trick is to say "people who switch" but not "everyone who gets a quote" will save that much if they switch. This is how insurance companies can confidently claim big savings.
Each company has different criteria, so drivers must compare as many free Evansville car insurance quotes as you can. It's not possible to predict which insurance companies will provide you with the cheapest Audi A6 insurance in Evansville.
A conclusion for your auto insurance search
Some companies do not provide online rate quotes and these regional carriers provide coverage only through local independent agencies. Cheap Audi A6 insurance in Evansville is available from both online companies and with local Evansville insurance agents, and you need to price shop both in order to have the best chance of saving money.
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best possible price, but don't skip important coverages to save money.
To learn more, feel free to visit the following helpful articles:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a 20 Year Old Male in Indiana? (FAQ)
- Who Has Affordable Indiana Car Insurance for a School Permit? (FAQ)
- What is the Cheapest Auto Insurance in Evansville, Indiana? (FAQ)
- What Auto Insurance is Cheapest for 19 Year Olds in Indiana? (FAQ)
- Determing Auto Insurance Rates (GEICO)
- Booster Seat Ratings (iihs.org)