Would you like to find cheaper Audi A6 insurance in Indianapolis? Pricey auto insurance in Indianapolis can bleed your funds and maybe even restrict other spending. Comparison shopping is a fast and free way to lower your monthly bill.
A recent auto insurance study discovered that nearly 70% of Indiana drivers have stayed with the same insurance company for at least four years, and 38% of customers have never compared rate quotes at all. American drivers can save up to $859 each year by just shopping around, but they feel it's too difficult to shop their coverage around. Many insurance companies vie for your business, so it's not easy to compare every company to find the best rates possible on Audi A6 insurance in Indianapolis.
It is always a good idea to price shop coverage at least once a year because prices are adjusted regularly by insurance companies. Even if you got the best rates on Audi A6 insurance in Indianapolis two years ago a different company probably has better rate quotes today. There is too much inaccurate information about A6 insurance online but in a few minutes you can learn some great ideas on how to put money back in your pocket.
If you have a policy now or are looking for a new policy, you can use these tips to get lower rates without reducing protection. Buying the cheapest insurance in Indianapolis can initially seem challenging. Consumers just need to know the most effective way to shop using one simple form.
Cheap companies for Audi A6 insurance
The car insurance companies shown below are our best choices to provide quotes in Indiana. If the list has multiple companies, we recommend you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$292||$550||$286||$16||$86||$1,230||$103|
|A6 3.2 Premium Plus 4-Dr Sedan||$210||$466||$318||$18||$94||$1,106||$92|
|A6 3.0 Quattro Premium 4-Dr Sedan||$240||$520||$340||$20||$102||$1,222||$102|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$210||$466||$318||$18||$94||$1,106||$92|
|A6 3.0 Quattro Premium Station Wagon||$372||$824||$322||$20||$96||$1,634||$136|
|A6 3.0 Quattro Premium Plus Station Wagon||$300||$562||$238||$14||$72||$1,186||$99|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$210||$444||$318||$18||$94||$1,084||$90|
|A6 3.0 Quattro Prestige Station Wagon||$288||$656||$250||$14||$76||$1,284||$107|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$374||$626||$368||$22||$110||$1,500||$125|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific zip code location which can lower or raise premium rates noticeably.
Full coverage versus liability-only in Indianapolis
The chart below visualizes the comparison of Audi A6 car insurance costs with and without full coverage. The premium estimates are based on no claims or driving citations, $100 deductibles, single female driver, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive guideline of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's say your Audi A6 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premiums are more than $200 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full 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.
Cautious drivers save money
The chart below illustrates how traffic citations and accident claims raise Audi A6 premium costs for different age categories. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Male drivers compared to female drivers in Indianapolis
The diagram below compares Audi A6 insurance costs for male and female drivers. The rates are based on no claims or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Why You Might Pay Increased Rates in Indianapolis
Many different elements are taken into consideration when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent such as whether you are married and annual miles driven. The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can help you get lower premium levels.
Excellent credit saves on insurance - Having a bad credit rating is a large factor in determining premium rates. So if your credit history is lower than you'd like, you could pay less to insure your Audi A6 by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than those with worse credit.
Marriage is a bonus - Having a significant other may earn you lower rates on your insurance policy. Having a significant other is viewed as being more mature and it's proven that being married results in fewer claims.
Higher rates for coverage lapses - Driving without insurance is against the law and companies may charge more for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time.
Incidental coverages are wasting money - There are quite a few additional extra coverages that you can buy but may not be useful. Coverage for things like coverage for rental cars, accidental death, and term life insurance could be just wasting money. These may sound like a good investment at first, but if you have no use for them remove them from your policy.
Insurance costs and driver gender - Over time, data shows that females take fewer risks when driving. However, don't assume that females are better at driving than males. They both get in fender benders at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
Small claims can cost you - Companies in Indiana generally give the best rates to drivers that do not abuse their auto insurance. If you frequently file small claims, you can expect higher rates. Your insurance policy is intended for claims that you cannot pay yourself.
Audi A6 statistical loss data - Companies include the past claim history for a vehicle to calculate a rate that will offset any claims. Vehicles that the data determines to have higher number or severity of losses will have a higher premium rate. The information below illustrates the historical loss data for Audi A6 vehicles.
For each type of coverage, the statistical loss for all vehicles as a whole equals 100. Numbers shown that are under 100 are indicative of better than average losses, while values over 100 point to more frequent losses or an increased chance of a larger loss.
Car Insurance Loss Data for Audi A6 Models
|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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get cheaper Audi A6 insurance in Indianapolis with discounts
Companies that sell car insurance do not advertise every available discount very well, so the following list contains a few of the more well known and the harder-to-find savings tricks you should be using when you buy Indianapolis auto insurance online.
- Defensive Driver - Participating in a course in defensive driving is a good idea and can lower rates and make you a better driver.
- Multi-car Discount - Buying coverage for more than one vehicle with one company can get a discount for every vehicle.
- Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance.
- Military Rewards - Being deployed with a military unit could trigger a small discount.
- Discount for Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Indianapolis Homeowners Pay Less - Just owning your own home can get you a discount because maintaining a house shows financial diligence.
- Seat Belt Discounts - Requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
- No Accidents - Good drivers with no accidents pay much less as compared to bad drivers.
Discounts lower rates, but many deductions do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it's just not the way it works.
A few companies that may include some of the above discounts include:
Before buying, ask all companies you are considering how you can save money. Some of the discounts discussed earlier might not be available to policyholders everywhere. To see insurers that offer some of these discounts in Indiana, click here to view.
Neighborhood agents and insurance
A lot of people still prefer to buy from a licensed agent and doing that can be a smart decision Professional agents are highly skilled in risk management and help file insurance claims. An additional benefit of comparing rates online is you can get cheap insurance quotes and still have an agent to talk to.
Once you complete this simple form, your insurance data is immediately sent to agents in your area that can give you free Indianapolis auto insurance quotes and help you find cheaper coverage. You won't need to find an agent on your own since rate quotes are delivered to you instantly. In the event you want to get a rate quote from a specific insurance company, you can always jump over to their website and complete a quote there.
Picking the best insurance company should depend on more than just the bottom line cost. Here are some questions you should ask.
- Who is covered by the car insurance policy?
- How much experience to they have in personal lines coverages?
- What companies can they write with?
- Does the agency provide any after hours assistance?
- When do they do a full risk review?
- Will the company cover a rental car if your car is getting fixed?
- Has the agent ever had any license suspensions?
- Do they have designations such as AIC, CPCU, or CIC?
Exclusive or Independent: There is a difference
If you are wanting to find a reputable insurance agent or broker, there are two different agency structures and how they function. Insurance policy providers may be either exclusive or independent (non-exclusive). Both types can handle insurance, but we need to point out how they are different since it may influence the type of agent you choose.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only quote rates from one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so you might not find the best rates. They are well trained on sales techniques which can be an advantage.
The following is a short list of exclusive insurance agents in Indianapolis who may provide you with price quotes.
Independent Agents (or Brokers)
Agents of this type can quote rates with many companies and that allows them to write policies through many companies and get the cheapest rates. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency.
When comparing rate quotes, we recommend you compare prices from independent agents to have the best price comparison.
Shown below are independent agencies in Indianapolis who can help you get price quote information.
Will you really save $387 on car insurance?
Consumers can't escape the ads that claim the lowest premium rates from the likes of State Farm, Allstate and GEICO. All the companies have a common claim that people will save if you get a free Indianapolis auto insurance quote and switch your coverage to them.
That's great but how can every company lower your premium rates?
All companies provide the lowest rates for the type of driver that earns them a profit. A good example of a desirable risk could be between the ages of 30 and 50, has never had a policy lapse, and drives a vehicle with a low ISO rating. Someone that hits that "sweet spot" will qualify for the lowest auto insurance rates in Indianapolis and will most likely save a lot on Indianapolis Audi A6 insurance if they switch.
People who are not a match for those criteria may be required to pay higher premium rates which results in the prospect going elsewhere. If you pay close attention to the ads, they say "drivers that switch" but not "all drivers who get quotes" save that much when switching. That's why companies can make claims that they all have the best auto insurance rates. This really emphasizes why it is so important to do a price quote comparison at every renewal. You cannot predict the company that will have the lowest rates for your situation.
Do I need special coverages?
When it comes to coverage online or from an agent, there really isn't a one-size-fits-all type of policy. Every insured's situation is different so this has to be addressed. These are some specific questions may help you determine if your situation will benefit from professional help.
- Should I bundle my homeowners policy with my auto?
- Should I drop comprehensive coverage on older vehicles?
- Where can I get insurance after a DUI in Indiana?
- Is my nanny covered when driving my vehicle?
- Should I put collision coverage on all my vehicles?
- Is a new car covered when I drive it off the dealer lot?
- Is upholstery damage covered by car insurance?
- When should I drop full coverage on my Audi A6?
If you can't answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can provide invaluable advice.
Shop around and save
Lower-priced Audi A6 insurance in Indianapolis is definitely available both online and from local agencies, and you need to price shop both so you have a total pricing picture. Some companies do not provide price quotes online and these smaller companies provide coverage only through independent insurance agencies.
While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are many occasions where an insured cut liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
For more information, take a look at these articles:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in Indiana? (FAQ)
- Who Has Affordable Indiana Auto Insurance Quotes for Teenage Females? (FAQ)
- Who Has Affordable Indiana Car Insurance for a GMC Sierra? (FAQ)
- Who Has the Cheapest Indiana Car Insurance for Felons? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Auto Theft Statistics (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)