High-priced Audi A6 insurance in Atlanta can bottom out your savings and put a big crunch on your finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.
It’s hard to fathom, but the majority of drivers have been with the same company for more than four years, and approximately 38% of consumers have never compared rate quotes at all. Many drivers in the United States could pocket as much as $860 a year just by shopping around, but they feel it’s too difficult to do a rate comparison.
Insurance companies such as Progressive, GEICO and Farmers Insurance continually hit you with fancy advertisements and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.
If you are insured now, you will surely be able to get lower rates using the ideas you’re about to read. Buying the cheapest car insurance in Atlanta is much easier if you know where to start. Nevertheless, Georgia vehicle owners benefit from understanding how the larger insurance companies sell online because rates are impacted by many factors.
The quickest method we recommend to compare car insurance company rates for Audi A6 insurance in Atlanta is to take advantage of the fact most of the larger companies participate in a system to compare their rates. All consumers are required to do is provide details like driver details, if you are currently licensed, if you require a SR-22, and whether your vehicle is owned or leased. The rating information is then submitted to multiple top-rated companies and you get price estimates within a short period of time.
To compare rates for your Audi A6 now, click here and enter your coverage details.
The companies shown below offer free rate quotes in Georgia. If the list has multiple companies, we recommend you click on several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$404||$966||$444||$26||$134||$1,974||$165|
|A6 3.2 Premium Plus 4-Dr Sedan||$328||$668||$378||$22||$114||$1,510||$126|
|A6 3.0 Quattro Premium 4-Dr Sedan||$252||$484||$402||$24||$120||$1,282||$107|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$294||$652||$444||$26||$134||$1,550||$129|
|A6 3.0 Quattro Premium Station Wagon||$384||$724||$344||$20||$104||$1,576||$131|
|A6 3.0 Quattro Premium Plus Station Wagon||$460||$1080||$404||$24||$122||$2,090||$174|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$390||$634||$516||$30||$154||$1,724||$144|
|A6 3.0 Quattro Prestige Station Wagon||$312||$584||$344||$20||$104||$1,364||$114|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$570||$1288||$532||$32||$158||$2,580||$215|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can increase or decrease price quotes greatly.
Comparison of policy deductibles
The information below shows how choosing a deductible and can influence Audi A6 insurance costs for different insured age categories. The data assumes a single male driver, full coverage, and no discounts are applied to the premium.
Three main reasons to buy car insurance
Despite the fact that car insurance is not cheap in Atlanta, car insurance serves an important purpose.
First, the majority of states have minimum liability requirements which means you are required to carry a specific level of liability protection in order to drive the car. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your Audi A6, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Audi at a much higher rate and require you to reimburse them for the expensive policy.
Third, car insurance protects both your car and your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance are definitely more than the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying over $825 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.
Cheap Atlanta car insurance rates with discounts
Insurance can cost an arm and a leg, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but some may not be applied and must be requested specifically in order for you to get them. If you do not check that you are getting every discount you deserve, you are just wasting money.
- Military Deployment Discount – Being deployed with a military unit could be rewarded with lower car insurance rates.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Theft Deterrent – Cars optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote Atlanta auto insurance with some car insurance companies.
- Accident Waiver – Not a discount per se, but companies like Allstate, Progressive, and GEICO allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
It’s important to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
For a list of car insurance companies who offer online Audi A6 insurance quotes in Georgia, click this link.
Insurance agents can find coverage gaps
Some consumers would prefer to go talk to an agent and there is nothing wrong with that. A good thing about getting free rate quotes online is that you can obtain cheap rate quotes and still have an agent to talk to. Buying from neighborhood insurance agencies is important especially in Atlanta.
Once you complete this short form, your insurance data is submitted to insurance agents in Atlanta that provide free Atlanta auto insurance quotes and help you find cheaper coverage. You never need to even leave your home because quoted prices will be sent to your email. You’ll get the best rates and an insurance agent to talk to. If you want to get a comparison quote for a specific company, you can always jump over to their website and fill out the quote form the provide.
Types of car insurance agents in Atlanta
When finding a local agent, it’s important to understand the different types of agents and how they can write your policy. Insurance policy providers can either be independent agents or exclusive agents depending on their employer.
Independent Insurance Agents (or Brokers)
Agents that choose to be independent often have affiliation with several companies so as a result can place your coverage through many different insurance companies and get the cheapest rates. If prices rise, they simply move your policy to a different company and that require little work on your part. If you need cheaper insurance rates, it’s a good idea to get quotes from a couple of independent agencies to get the best comparison.
Below are Atlanta independent insurance agents that may be able to give free price quotes.
Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map
Exclusive Insurance Agencies
Agents of this type work for only one company and some examples include State Farm or Allstate. These agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are trained well on their company’s products which helps them sell on service rather than price.
Below are Atlanta exclusive agents that can give you comparison quotes.
Jared Mula – State Farm Insurance Agent
3220 Cobb Pkwy SE #202 – Atlanta, GA 30339 – (770) 874-3325 – View Map
Finding the right insurance agent is decision based upon more than just the price. These are some questions your agent should answer.
- What will you get paid if your car is a total loss? How is that amount determined?
- Where are claims handled?
- Will they make sure you get an adequate claim settlement?
- Did they already check your driving record and credit reports?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the agency covered by Errors and Omissions coverage?
- Do they offer claims assistance after hours?
Car insurance coverage breakdown
Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from car insurance companies.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, hitting a bird, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Collision coverage protection
Collision coverage will pay to fix damage to your A6 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as colliding with a tree, damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your A6 to bring the cost down.
Liability insurance can cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like legal defense fees, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but consider buying as large an amount as possible. Georgia requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Audi A6.
Because many people carry very low liability coverage limits (25/50/25 in Georgia), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Don’t give up on cheaper rates
We just covered a lot of information how to lower your Audi A6 insurance rates in Atlanta. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.
Cheaper auto insurance in Atlanta is definitely available from both online companies and with local Atlanta insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies may not have online rate quotes and usually these small insurance companies only sell through independent insurance agencies.
For more information, take a look at the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Affordable Auto Insurance for Teenage Females in Atlanta? (FAQ)
- Who Has the Cheapest Atlanta Auto Insurance with Multiple Speeding Tickets? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance for Homeowners in Atlanta? (FAQ)
- What Insurance is Cheapest for a Nissan Altima in Atlanta? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)