Cutting costs on Audi A6 insurance in Seattle is very difficult for drivers not familiar with online insurance quotes. With so many online companies available, it can easily be a difficult challenge to find the best coverage rates.
It’s amazing but nearly 70% of Washington drivers have purchased from the same company for a minimum of four years, and 38% of drivers have never even compared rates from other companies. The average driver in the United States could save an average of 46.5% each year just by comparing rates, but they just don’t understand how easy it is to shop around.
Companies offering cheap Audi A6 rates in Seattle, WA
The companies in the list below are ready to provide price comparisons in Washington. If more than one company is shown, it’s highly recommended you get rates from several of them 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||$292||$476||$386||$22||$116||$1,292||$108|
|A6 3.2 Premium Plus 4-Dr Sedan||$306||$578||$300||$18||$90||$1,292||$108|
|A6 3.0 Quattro Premium 4-Dr Sedan||$220||$466||$310||$18||$92||$1,106||$92|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$234||$438||$304||$18||$90||$1,084||$90|
|A6 3.0 Quattro Premium Station Wagon||$310||$678||$304||$18||$90||$1,400||$117|
|A6 3.0 Quattro Premium Plus Station Wagon||$220||$466||$264||$16||$78||$1,044||$87|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$338||$794||$384||$22||$114||$1,652||$138|
|A6 3.0 Quattro Prestige Station Wagon||$344||$808||$304||$18||$90||$1,564||$130|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$296||$652||$278||$16||$82||$1,324||$110|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in zip code location which can influence rates considerably.
Comparison of policy deductibles
The diagram below demonstrates how choosing different deductibles and can change Audi A6 insurance premiums for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, and no discounts are taken into consideration.
Should you buy full coverage?
The information below visualizes the comparison of Audi A6 annual premium costs with and without physical damage coverage. The data assumes no violations or accidents, $500 deductibles, married female driver, and no other discounts are factored in.
Deciding between full coverage and liability only
There is no definitive formula of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Audi A6 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after you pay the deductible. If you are paying in excess of $700 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
What Determines Audi A6 Insurance Prices?
The best way to find cheaper car insurance is to take a look at the factors that are used to determine your premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels. Many factors are used in the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other factors are less apparent like where you live or your commute time.
The itemized list below are some of the things used by your company to calculate your rates.
Drive a fast vehicle and pay more – The type of vehicle you need insurance for makes a big difference in your auto insurance rates. The best insurance prices are generally reserved for lower performance four cylinder passenger models, but that’s not the only thing that factors into the final price. Since the Audi A6 is considered a luxury sedan, insuring your vehicle will cost more than the average rate where you live in Seattle.
Single drivers take more risk – Getting married can actually save you money when buying car insurance. Having a significant other means you’re more stable financially and it’s statistically proven that drivers who are married are more cautious.
Does your vocation cost you more? – Occupations like lawyers, air traffic controllers, and miners tend to have higher rates than the rest of us because of high stress levels and lots of time spent away from family. On the other hand, occupations such as farmers, historians and performers receive lower rates.
Bundle policies to earn discounts – Lots of insurers apply a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates.
High deductibles reduce premiums – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Audi. Examples of covered claims are a broken side mirror, flood damage, and having your car stolen. The deductibles state the amount of money you are required to spend if you file a covered claim. The more money you are required to pay out-of-pocket, the better rate you will receive.
Audi A6 statistical loss data – Insurers analyze claim trends for every vehicle when they set coverage costs for each model. Models that tend to have increased losses will have higher rates. The next table shows the historical insurance loss data for Audi A6 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate frequent claims or statistically larger claims.
Insurance Loss Ratings for Audi A6 Vehicles
|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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Take policy discounts and save on Audi A6 insurance in Seattle
The cost of insuring your cars can be expensive, but you can get discounts that can dramatically reduce your bill. Most are applied at the time you complete a quote, but occasionally some discounts must be manually applied before they will apply.
- Defensive Driver – Participating in a safe driver class could cut 5% off your bill and make you a better driver.
- Multiple Policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you could get a discount of up to 20% off your total A6 insurance premium.
- Telematics Discount – Drivers that enable data collection to scrutinize driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
- Good Student – Performing well in school may save as much as 25% on a Seattle car insurance quote. Many companies even apply the discount to college students until age 25.
- Student in College – Youth drivers who live away from home at college and don’t have a car can be insured at a reduced rate.
- Low Miles Discount – Low mileage vehicles could qualify for slightly better rates than normal.
Don’t be surprised that most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
To view providers offering auto insurance discounts in Seattle, click this link.
Insurance agents can help
A small number of people prefer to sit down and talk to an agent and that is just fine! One of the great benefits of getting online price quotes is that you can obtain better rates but still work with a licensed agent. And providing support for neighborhood agents is especially important in Seattle.
By using this quick form, your insurance data is emailed to insurance agents in Seattle who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered immediately to you. You can find better rates without having to waste a lot of time. If you want to get a comparison quote for a specific company, don’t hesitate to visit that company’s website and complete a quote there.
Below is a list of car insurance companies in Seattle willing to provide comparison quotes for Audi A6 insurance in Seattle.
- Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map
- State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400 – View Map
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map
- Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map
Finding the right insurer shouldn’t rely on just the premium amount. These are some valid questions you should ask.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How long have they been in business?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they specialize in personal lines coverage in Seattle?
- How experienced are they in personal risk management?
- What is their Better Business Bureau rating?
Upon getting answers to your satisfaction in addition to an acceptable price estimate, you have narrowed it down to a company that can be relied on to service your policy. Just remember it’s your policy and you can cancel your policy any time you want so never assume that you’re stuck with a specific company for a certain time period.
Beware of misleading auto insurance ads
Allstate and Progressive regularly use television, radio, and online ads. They all seem to advertise claims of big savings after switching your policy. How do they all offer you a better deal on Audi A6 insurance in Seattle? It’s all in the numbers.
Most companies offer their best rates for the type of customer that will not have excessive claims. A good example of this type of risk profile could possibly be between the ages of 30 and 50, has never had a policy lapse, and has excellent credit. Someone who fits those characteristics will most likely get cheap rates as well as cut their Audi A6 insurance rates if they switch.
Drivers who may not quite match the requirements may be required to pay higher premiums and this results in business not being written. The trick companies use is to say “drivers that switch” not “everybody who quotes” save the amount stated. That is how insurance companies can confidently state the savings.
This really illustrates why you should get price quotes at each policy renewal. It is impossible to predict which insurance companies will fit you best based on your risk profile.
A conclusion for your auto insurance search
As you quote Seattle car insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured cut physical damage coverage and learned later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
Some insurance companies do not provide the ability to get quotes online and these small, regional companies work with independent insurance agencies. Low-cost Audi A6 insurance in Seattle is available both online and with local Seattle insurance agents, and you should compare price quotes from both so you have a total pricing picture.
In this article, we covered many ideas to save on Audi A6 insurance in Seattle. It’s most important to understand that the more you quote Seattle car insurance, the higher your chance of finding cheaper Seattle car insurance quotes. You may even discover the most savings is with some of the lesser-known companies.
For more information, feel free to browse the following helpful articles:
- Teen Driver Statistics (Insurance Information Institute)
- What Insurance is Cheapest for Young Drivers in Seattle? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance: When not to Skimp (BankRate.com)