Cheapest Insurance for an Audi A6 in Orlando

Insurance quote for Audi A6 in OrlandoReally, the only way to save on Audi A6 insurance is to make a habit of regularly comparing prices from different companies who provide car insurance in Orlando. You can compare rates by following these steps.

An important bit of advice to remember is to make sure you’re comparing the same amount of coverage on each price quote and and to get rate quotes from as many carriers as you can. This provides a level playing field and a complete price analysis.

Sadly, most consumers kept their coverage with the same auto insurance company for well over three years, and about 40% of consumers have never shopped around. Most drivers in Orlando could save themselves nearly $1,100 a year by just comparing quotes, but most undervalue the rate savings if they replace their high priced policy.

Buying the cheapest auto insurance in Orlando is actually quite simple. If you already have coverage or just want cheaper rates, you will benefit by learning to cut your premiums and still get good coverage. Smart buyers just need to know the proper way to compare different rates from many different companies.

The companies shown below provide free rate quotes in Florida. To find cheap auto insurance in Orlando, FL, we suggest you get rates from several of them in order to get a fair rate comparison.

Audi A6 detailed coverage information

The premium table below covers different policy rates for Audi A6 models. Knowing how auto insurance premiums are formulated can help guide drivers when making smart choices when comparing insurance quotes.

Audi A6 Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $312 $658 $472 $28 $142 $1,612 $134
A6 3.2 Premium Plus 4-Dr Sedan $312 $658 $472 $28 $142 $1,612 $134
A6 3.0 Quattro Premium 4-Dr Sedan $312 $658 $472 $28 $142 $1,612 $134
A6 3.0 Quattro Premium Plus 4-Dr Sedan $312 $658 $472 $28 $142 $1,612 $134
A6 3.0 Quattro Premium Station Wagon $312 $658 $400 $24 $120 $1,514 $126
A6 3.0 Quattro Premium Plus Station Wagon $312 $658 $400 $24 $120 $1,514 $126
A6 3.0 Quattro Prestige 4-Dr Sedan $312 $658 $472 $28 $142 $1,612 $134
A6 3.0 Quattro Prestige Station Wagon $312 $658 $400 $24 $120 $1,514 $126
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $342 $736 $472 $28 $142 $1,720 $143
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location information which can impact premiums substantially.

Comparison of policy deductibles

One of the most common car insurance questions is how high should your deductibles be. The following insurance rates illustrate the rate differences when you choose different deductibles. The first set of prices uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Audi A6 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
A6 3.2 Premium Plus 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
A6 3.0 Quattro Premium 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
A6 3.0 Quattro Premium Plus 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
A6 3.0 Quattro Premium Station Wagon $498 $994 $354 $20 $106 $1,997 $166
A6 3.0 Quattro Premium Plus Station Wagon $498 $994 $354 $20 $106 $1,997 $166
A6 3.0 Quattro Prestige 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
A6 3.0 Quattro Prestige Station Wagon $498 $994 $354 $20 $106 $1,997 $166
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $544 $1110 $418 $24 $124 $2,245 $187
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Audi A6 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
A6 3.2 Premium Plus 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
A6 3.0 Quattro Premium 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
A6 3.0 Quattro Premium Plus 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
A6 3.0 Quattro Premium Station Wagon $364 $672 $354 $20 $106 $1,516 $126
A6 3.0 Quattro Premium Plus Station Wagon $364 $672 $354 $20 $106 $1,516 $126
A6 3.0 Quattro Prestige 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
A6 3.0 Quattro Prestige Station Wagon $364 $672 $354 $20 $106 $1,516 $126
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $396 $750 $418 $24 $124 $1,712 $143
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in zip code location which can lower or raise rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $41 more each month or $492 annually averaged for all A6 models than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 10 months between claims, you would probably be better off if you choose the higher deductible.

The chart below demonstrates how deductible levels and can increase or decrease Audi A6 insurance rates for each different age category. The price estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Audi A6 liability rates compared to full coverage

The diagram below visualizes the comparison of Audi A6 yearly insurance costs with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive formula of when to stop paying for physical damage coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost minus the 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 $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the deductible is paid. If it’s costing you more than $300 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Three reasons insurance is important

Even though it’s not necessarily cheap to insure an Audi in Orlando, insurance is not optional due to several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays more than $820 a year so shop around every year to help ensure money is not being wasted.

Learn How to Lower Your Insurance Prices

Many factors are taken into consideration when quoting car insurance. Some factors are common sense like a motor vehicle report, but some are more transparent like your continuous coverage or your financial responsibility. Consumers need to have an understanding of the rating factors that play a part in calculating your premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that can help you get lower car insurance prices.

Deter car thieves – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

Responsible drivers pay better prices – Careful drivers get better rates as compared to careless drivers. Only having one moving violation could increase your next policy renewal twenty percent or more. Drivers who have received flagrant citations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.

The illustration below shows how speeding tickets and at-fault fender-benders drive up Audi A6 premium costs for different age categories. The prices are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

Rural areas have lower costs – Choosing to live in a small town may provide you with better prices when shopping for auto insurance. Less people means reduced accidents and also fewer theft and vandalism claims. Urban drivers have more aggressive driving styles and a longer drive to work. More time on the road means more chance of being in an accident.

Don’t let your car insurance policy lapse – Going without insurance is a sure-fire way to drive up your policy premiums. And not only will your rates increase, not being able to provide proof of insurance might get you a license revocation or jail time.

Bundle policies and save money – Most insurers will award discounts to policyholders that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it’s in your best interest to compare Audi A6 rates in Orlando to verify if the discount is saving money.

Prices impacted by vehicle usage – The more you drive your Audi in a year the more you will pay for car insurance. A lot of insurance companies rate vehicles based on their usage. Autos that sit idle most of the time receive lower rates compared to those used for work or business. A policy that improperly rates your A6 is just wasting money. It’s a smart idea to ensure your policy reflects annual mileage.

Premiums drop with age – Beginning drivers in Florida are proven to be inattentive when at the wheel of a vehicle so car insurance rates are higher. If you’ve ever had to add a youthful driver onto a policy can cause a big jump in price. More mature drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.

The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Insurance losses for an Audi A6 – Insurers use claims history when they calculate premium rates for each model. Vehicles that the data determines to have higher claim amounts or frequency will cost more for specific coverages. The data below shows the historical insurance loss data for Audi A6 vehicles.

For each type of coverage, the loss probability for all vehicles as a whole is represented as 100. Percentages below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Auto Insurance Loss Data for Audi A6 Models
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

Get lower-cost rates by earning discounts

Auto insurance companies don’t always list the entire discount list in an easy-to-find place, so the list below contains a few of the more common as well as some of the hidden savings tricks you should be using when you buy Orlando car insurance online. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.Auto insurance discounts

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below visualizes the comparison of Audi A6 annual premium costs with and without discounts applied to the premium. The data is based on a male driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

Some companies that may offer policyholders many of the previously listed discounts include:

If you want the cheapest Audi A6 rate quotes, ask every insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies in your area. To view insurers with discount rates in Orlando, follow this link.

Compare rates but buy from a neighborhood Orlando auto insurance agent

Some consumers would rather sit down and talk to an agent and that is a personal choice. Professional insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance online is that drivers can save money and get cheaper premium rates but still work with a licensed agent.

Once you complete this quick form, your information is instantly submitted to local insurance agents who want to provide quotes for your insurance coverage. There is no need to find an agent since rate quotes are delivered to the email address you provide. If you need to quote rates for a specific company, don’t hesitate to visit that company’s website and submit a quote form there.

Finding the right company requires you to look at more than just a cheap price. Ask your prospective agent these questions:

Compare rates from both independent and exclusive auto insurance agents

When finding an insurance agent, it can be helpful to understand the different types of agents and how they can quote your rates. Agencies in Orlando are either independent agents or exclusive agents. Either can sell insurance policies, but it is a good idea to know how they are different since it may influence your agent selection.

Exclusive Insurance Agencies

Exclusive insurance agents have only one company to place business with such as American Family, State Farm, and Allstate. They generally cannot compare rates from other companies so they really need to provide good service. Exclusive agencies receive extensive training on what they offer which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents partially due to the brand legacy rather than low rates.

Listed below are exclusive agencies in Orlando willing to provide price quote information.

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Independent Agents (or Brokers)

Independent agencies do not sell for just one brand so they can write business with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, the business is moved internally and you stay with the same agent. If you are comparing insurance prices, you should always compare prices from independent agents for maximum quote selection. A lot of them also have access to less well-known companies which may provide better rates.

Listed below is a list of independent insurance agents in Orlando that are able to give rate quotes.

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Ratings for Florida car insurance companies

Choosing a highly-rated car insurance provider can be a challenge considering how many companies are available to choose from in Orlando. The company rank data listed below could help you analyze which companies to look at putting your business with.

Top 10 Orlando Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Be persistent and save

Discount Audi A6 insurance in Orlando is possible both online as well as from independent agents in Orlando, so you need to quote Orlando car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and these smaller companies provide coverage only through local independent agents.

We just presented a lot of tips how to get a better price on Audi A6 insurance in Orlando. The key concept to understand is the more companies you get prices for, the higher your chance of finding low cost Orlando car insurance quotes. You may even be surprised to find that the best price on auto insurance is with the least-expected company.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.

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