Best Ways to Save on Boston Audi A6 Insurance

If you want to save money, the best way to find the cheapest price for car insurance rates is to start comparing prices yearly from insurance carriers in Boston.

• Step 1: Try to understand individual coverages and the measures you can control to drop your rates. Many rating factors that result in higher prices like at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be rectified by making minor driving habit or lifestyle changes.
• Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple sources.
• Step 3: Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

One piece of advice is that you use similar deductibles and liability limits on every quote request and and to analyze as many different companies as possible. This ensures a level playing field and the best price selection.

It’s safe to assume that insurance companies don’t want policyholders to shop around. People who perform rate comparisons will presumably switch car insurance companies because they have good chances of finding a lower-priced company. A study discovered that consumers who shopped around every year saved approximately $860 a year compared to policyholders who never shopped around for better prices.

If finding budget-friendly car insurance is your goal, then having some knowledge of the best ways to shop for coverages can make it simple to find affordable coverage.

Get Lower-cost Insurance Rates by Understanding These Factors

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could result in lower rates.

The itemized list below are most of the major factors used by insurance companies to determine your premiums.

Pay more of a claim out-of-pocket – Your deductibles are the amount of money you are willing to pay if a claim is determined to be covered. Physical damage coverage, aka comp and collision, protects your car from damage. Some examples of covered claims are colliding with a stationary object, fire damage, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the better rate you will receive.

Extra coverages are wasting money – There are many extra add-on coverages that you can get tricked into buying on your A6 policy. Insurance for replacement cost coverage, accident forgiveness, and extra equipment coverage may be wasting your money. The coverages may be enticing initially, but if they’re wasting money remove them and pocket the money.

Gender is a factor – Statistics demonstrate that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Females and males get in fender benders at about the same rate, but men get into accidents with more damage. They also get ticketed for serious violations like DUI and reckless driving.

The information below shows the comparison of Audi A6 insurance premiums for male and female drivers. The premiums are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Drive a fast car and pay more – The performance level of the vehicle you are buying insurance for makes a big difference in how high your rates are. Lower performance four cylinder passenger cars receive the most favorable rates, but many other things help determine your insurance rates.

The following data uses these assumptions: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Audi A6 insurance rates compared to other makes and models that have different risk factors.

Maintain auto insurance coverage – Having a lapse in insurance coverage can be a fast way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines and jail time.

Less chance of injury means lower premiums – Safe vehicles tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection translates into savings for insurance companies which can result in lower premiums. If your Audi A6 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Discounts for married couples – Getting married actually saves money when shopping for auto insurance. Marriage translates into being more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Rate your vehicle for proper use – The higher the miles on your Audi annually the higher your rate. A lot of insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Make sure your auto insurance policy is rated on the correct usage. An improperly rated A6 can result in significantly higher rates.

Audi A6 statistical loss data – Insurance companies analyze past claim statistics when they set coverage costs for each model. Models that are shown to have higher number or severity of losses will have higher rates. The table below illustrates the historical insurance loss data for Audi A6 vehicles.

For each insurance policy coverage type, the claim probability for all vehicles combined as an average is a value of 100. Numbers under 100 are indicative of better than average losses, while values that are above 100 indicate more frequent claims or statistically larger claims.

Insurance rate breakdown

The coverage information displayed next showcases detailed analysis of insurance policy prices for Audi A6 models. Learning as much as possible about how insurance quotes are figured can aid in making smart choices when buying a policy.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in your specific Boston location which can increase or decrease premiums considerably.

How high should deductibles be?

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The tables below sum up the cost difference when you buy lower versus higher policy deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can influence premiums noticeably.

Based on the above data, using a $250 deductible would cost the average driver about $18 more each month or $216 a year than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 14 months between claim filings, you would probably be better off if you choose the higher deductible.

One thing to note is that increasing deductibles to save money means you will have to pay more when you have a claim. That will require enough extra money in the event you need to pay more for the deductible.

Careless driving habits raise Boston auto insurance rates

The example below illustrates how traffic citations and at-fault fender-benders raise Audi A6 insurance costs for different age groups. The data is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Full coverage or liability only

The information below compares Audi A6 insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

When to buy liability coverage only

There is no definitive rule of when to exclude full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Audi A6 replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are paying in excess of $700 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. 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.

Don’t overlook these Audi A6 insurance discounts

Not many people think insurance is cheap, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about before you get the savings.

• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
• No Accidents – Insureds with no claims or accidents can save substantially when compared to policyholders that have many claims.
• Discount for Swiching Early – Some larger companies provide a discount for switching companies prior to your current A6 insurance policy expiration. You may see this discount when you get Boston car insurance quotes online.
• E-sign Discounts – A few larger online companies may give you up to $50 for buying your policy on the web.
• Government Employees – Federal government employees may reduce rates when you quote Boston car insurance with select insurance companies.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
• Accident Forgiveness – Not a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.

Just know that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

The diagram below illustrates the comparison of Audi A6 auto insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, marriage, and multi-policy discounts applied.

A list of companies and a summarized list of policyholder discounts are included below.

• Travelers may include discounts for payment discounts, multi-car, IntelliDrive, save driver, and early quote.
• 21st Century has savings for anti-lock brakes, good student, teen driver, homeowners, and driver training.
• State Farm includes discounts for safe vehicle, good driver, multiple autos, Steer Clear safe driver discount, and student away at school.
• GEICO offers discounts including daytime running lights, membership and employees, military active duty, seat belt use, five-year accident-free, and federal employee.
• SAFECO may have discounts that include teen safety rewards, drive less, safe driver, anti-theft, and bundle discounts.
• AAA offers discounts for anti-theft, multi-car, good student, AAA membership discount, pay-in-full, multi-policy, and good driver.

If you are trying to find the cheapest Audi A6 rate quotes, ask each insurance company to apply every possible discount. Some discounts listed above may not be offered in every state.

Massachusetts auto insurance companies

Picking the highest-rated car insurance provider can be difficult considering how many choices you have in Boston. The ranking information below can help you choose which auto insurance companies to look at shopping prices with.

Top 10 Boston Car Insurance Companies Ranked by Value

1. The General
2. The Hartford
3. Farmers Insurance
4. Titan Insurance
5. Mercury Insurance
6. 21st Century
7. Safeco Insurance
8. AAA Insurance
9. State Farm
10. Travelers

Cheaper auto insurance is out there

Affordable Audi A6 insurance in Boston can be sourced from both online companies as well as from independent agents in Boston, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and usually these small insurance companies work with local independent agents.

We just covered a lot of techniques to reduce Audi A6 insurance prices online in Boston. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Even more information can be read in the articles below:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)