Compare Audi A6 Insurance Rates in Tucson

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It's easy to assume that insurance companies want to keep you from comparing rates. People who compare rates at least once a year are likely to buy a different policy because there is a great chance of finding good coverage at a lower price. A recent survey discovered that drivers who compared rates regularly saved about $865 a year compared to policyholders who never compared other company's rates.

If finding budget-friendly rates on Audi A6 insurance in Tucson is your goal, knowing the best way to shop and compare insurance coverage can help you be more efficient.

Insurance rates Audi A6 in TucsonIf you want to find the absolute lowest rates, then the best way to find the cheapest price for auto insurance rates is to do a yearly price comparison from companies that sell auto insurance in Tucson. Rate comparisons can be done by following these steps.

  1. Spend a few minutes and learn about coverages and the changes you can make to prevent high rates. Many risk factors that increase rates like at-fault accidents, speeding tickets, and a negative credit history can be eliminated by improving your driving habits or financial responsibility.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.
  3. Compare the quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure coverage does not lapse between policies.
  4. Provide notification to your current agent or company to cancel your existing policy and submit payment and a completed application to the new company. As soon as you can, put the proof of insurance certificate somewhere easily accessible.

One tip to remember is to make sure you enter the same amount of coverage on each quote and and to analyze every company you can. Doing this guarantees the most accurate price comparison and maximum price selection.

Car insurance discounts are available for cheaper rates

Not many people think insurance is cheap, but you may be missing some discounts that you may not know about. Certain reductions will be credited when you purchase, but less common discounts must be asked about before you will receive the discount.

  • Accident Waiver - Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Life Insurance Discount - Select companies reward you with better car insurance rates if you take out a life policy as well.
  • Mature Driver Discount - Mature drivers can possibly qualify for a small discount on rates.
  • Paper-free Discount - Some insurance companies will provide an incentive shop Tucson auto insurance over the internet.
  • Own a Home - Just owning your own home can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
  • Passenger Safety Discount - Cars that have air bags or automatic seat belts can receive discounts as much as 30%.
  • Distant Student - Kids who are attending college and won't have access to an insured vehicle may qualify for this discount.

As is typical with insurance, some credits don't apply to the entire policy premium. Most cut individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, car insurance companies aren't that generous.

The chart below shows the comparison of Audi A6 annual premium costs with and without discounts applied to the premium. The premiums assume a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, marriage, and claim-free discounts applied.

Companies and some of the discounts can be found below.

  • Progressive may have discounts that include multi-policy, good student, online quote discount, online signing, multi-vehicle, homeowner, and continuous coverage.
  • AAA has discounts for education and occupation, anti-theft, good student, AAA membership discount, and good driver.
  • Farmers Insurance may include discounts for homeowner, distant student, teen driver, pay in full, and early shopping.
  • GEICO offers premium reductions for anti-lock brakes, emergency military deployment, defensive driver, air bags, daytime running lights, five-year accident-free, and multi-vehicle.
  • Esurance includes discounts for Pac-12 alumni, paid-in-full, good driver, multi-policy, defensive driver, and DriveSense.
  • SAFECO may offer discounts for drive less, anti-theft, teen safety rewards, bundle discounts, anti-lock brakes, teen safe driver, and accident prevention training.
  • State Farm offers discounts including driver's education, student away at school, good student, Drive Safe & Save, anti-theft, and multiple policy.

When getting free Tucson auto insurance quotes, it's a good idea to all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not be offered in Tucson. To see a list of companies with the best Audi A6 insurance discounts in Tucson, follow this link.

Just remember that comparing all the rates in your area helps you find a lower rate.

The companies shown below are our best choices to provide free quotes in Arizona. To buy cheaper car insurance in Arizona, we recommend you visit several of them to get the best price comparison.

Audi A6 coverage analysis

The coverage information shown below covers a range of insurance costs for Audi A6 models. Knowing how auto insurance prices are figured is important for you to make informed coverage decisions.

Audi A6 Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $396 $880 $404 $24 $122 $1,826 $152
A6 3.2 Premium Plus 4-Dr Sedan $396 $880 $404 $24 $122 $1,826 $152
A6 3.0 Quattro Premium 4-Dr Sedan $396 $880 $404 $24 $122 $1,826 $152
A6 3.0 Quattro Premium Plus 4-Dr Sedan $396 $880 $404 $24 $122 $1,826 $152
A6 3.0 Quattro Premium Station Wagon $396 $880 $344 $20 $102 $1,742 $145
A6 3.0 Quattro Premium Plus Station Wagon $396 $880 $344 $20 $102 $1,742 $145
A6 3.0 Quattro Prestige 4-Dr Sedan $396 $880 $404 $24 $122 $1,826 $152
A6 3.0 Quattro Prestige Station Wagon $396 $880 $344 $20 $102 $1,742 $145
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $434 $982 $404 $24 $122 $1,966 $164
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can decrease or increase auto insurance rates significantly.

Choosing deductibles

One of the most common insurance questions is how high should your deductibles be. The following tables highlight how much more rates are between low and high comp and collision deductibles. The first rate table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Audi A6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
A6 3.2 Premium Plus 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
A6 3.0 Quattro Premium 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
A6 3.0 Quattro Premium Plus 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
A6 3.0 Quattro Premium Station Wagon $322 $600 $254 $16 $76 $1,293 $108
A6 3.0 Quattro Premium Plus Station Wagon $322 $600 $254 $16 $76 $1,293 $108
A6 3.0 Quattro Prestige 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
A6 3.0 Quattro Prestige Station Wagon $322 $600 $254 $16 $76 $1,293 $108
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $350 $668 $300 $18 $90 $1,451 $121
Get Your Own Custom Quote Go
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 $262 $484 $300 $18 $90 $1,154 $96
A6 3.2 Premium Plus 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
A6 3.0 Quattro Premium 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
A6 3.0 Quattro Premium Plus 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
A6 3.0 Quattro Premium Station Wagon $262 $484 $254 $16 $76 $1,092 $91
A6 3.0 Quattro Premium Plus Station Wagon $262 $484 $254 $16 $76 $1,092 $91
A6 3.0 Quattro Prestige 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
A6 3.0 Quattro Prestige Station Wagon $262 $484 $254 $16 $76 $1,092 $91
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $286 $540 $300 $18 $90 $1,234 $103
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can lower or raise coverage prices substantially.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $17 more each month or $204 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 15 months between claim filings, you would most likely save money by going with a higher deductible.

The chart below illustrates how your choice of deductibles and can increase or decrease Audi A6 insurance prices for each different age category. The price estimates are based on a married female driver, full coverage, and no additional discounts are factored in.

Should you buy full coverage?

The chart below compares Audi A6 insurance costs with full coverage and liability only. The prices are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied.

When to stop buying full coverage

There is no definitive formula to delete physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Audi A6 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying over $400 annually to have full coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

How do Insurance Companies Determine Audi A6 Insurance Costs?

When buying car insurance it's important to understand a few of the rating criteria that help determine your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates. Many things are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less obvious like your vehicle usage or your commute time.

  • Don't skimp on liability insurance - Your car insurance policy's liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Cautious drivers pay the best premiums - A bad driving record can have a huge impact on auto insurance premiums. Attentive drivers pay less for auto insurance as compared to careless drivers. Only having one citation can bump up the cost to the point where it's not affordable. Drivers with severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to legally drive.

    The information below illustrates how violations and accident claims raise Audi A6 auto insurance rates for different age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

  • Bad credit hurts insurance rates - A driver's credit rating is likely to be a major factor in your rate calculation. If your credit could use some work, you could potentially save money when insuring your Audi A6 by spending a little time repairing your credit. Drivers who have high credit scores tend to be less risk to insure than those with worse credit.
  • Your occupation is a factor - Did you know your occupation can influence how much you pay for car insurance? Careers such as fire fighters, airline pilots, and accountants tend to have the highest average rates attributed to high stress and extremely grueling work hours. On the other hand, occupations like actors, engineers and the unemployed have the lowest average rates.
  • Pay less with a high crash test rating - Cars with five star safety ratings tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Audi A6 is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.
  • Audi A6 claim probability - Car insurance companies analyze the history of losses as a tool for profitable underwriting. Models that have a higher amount or frequency of claims will cost more for specific coverages. The table below shows the insurance loss data for Audi A6 vehicles.

    For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is set at 100. Numbers that are below 100 imply a favorable loss record, while percentage numbers above 100 point to more frequent losses or an increased probability of a larger loss.

    Car Insurance Loss Data for Audi A6 Models
    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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance agent or online?

A small number of people just want to visit with an insurance agent and that is a smart decision A good thing about comparing insurance prices online is that you can find cheap rate quotes but also keep your business local. Putting coverage with local insurance agencies is definitely important in Tucson.

Upon completion of this quick form, the quote information is emailed to companies in Tucson who will gladly provide quotes for your business. You won't even need to leave your computer as quotes are delivered to your email. Get lower rates and work with a local agent. If you have a need to get a price quote from a specific auto insurance provider, just search and find their rate quote page and complete a quote there.

Below is a list of insurance companies in Tucson willing to provide price quotes for Audi A6 insurance in Tucson.

View more Tucson agents

Selecting an company requires more thought than just the price. These are valid questions to ask:

  • Does the agency have a positive business rating?
  • What insurance companies do they work with in Tucson?
  • Is the agency involved in supporting local community causes?
  • By raising physical damage deductibles, how much would you save?
  • What are their preferred companies if they are an independent agency?

Protect more than your vehicle

Even though it can be expensive, paying for insurance may not be optional for several reasons.

  • Almost all states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Audi, almost every bank will force you to buy insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Audi at a more expensive rate and force you to pay the higher premium.
  • Insurance protects both your Audi A6 and your personal assets. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Audi gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are definitely more than the cost, especially with large liability claims. Today the average American driver is currently overpaying as much as $825 a year so it's recommended you shop around once a year at a minimum to be sure current rates are still competitive.

One last thing to lower rates

Budget-friendly car insurance in Tucson can be sourced from both online companies as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who don't offer the ability to get quotes online and many times these small insurance companies sell through local independent agencies.

Throughout this article, we presented some good ideas how to get a better price on Audi A6 insurance in Tucson. The most important thing to understand is the more you quote Tucson auto insurance, the higher the chance of saving money. Consumers may even find the best price on car insurance is with an unexpected company.

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, lack of trust in their agent and even unfair underwriting practices. It doesn't matter why you want to switch finding a great new company can be easy and end up saving you some money.

For more information, link through to the resources below: