Compare Audi A6 Insurance Quotes in Denver

I can’t think of a single person who likes paying for insurance, in particular when their premiums are through the roof.

Unthinkable but true, over 70% of drivers kept their coverage with the same insurance company for at least four years, and roughly 40% of drivers have never shopped around. Colorado drivers could cut their rates by up to 35% a year by just shopping around, but they feel it’s too difficult to compare rate quotes online. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the definite cheapest price on Audi A6 insurance in Denver.

Consumers should take time to compare rates as often as possible since prices change quite often. Just because you had the lowest price on Audi A6 insurance in Denver a few years ago there may be better deals available now. There is lot of inaccurate information about A6 insurance on the internet, but we’re going to give you the best ways to stop overpaying for insurance in Denver.

If you already have coverage or just want a better rate, use these techniques to cut your premiums and possibly find even better coverage. Locating the most cost-effective insurance policy in Denver is actually not that difficult if you follow our advice. Shoppers just need to understand the tricks to compare different rates online.

Best Audi A6 insurance rate quotes in Colorado

The companies shown below have been selected to offer quotes in Denver, CO. If multiple companies are shown, we suggest you click on several of them to find the most affordable auto insurance rates.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in zip code location which can alter premium rates significantly.

How high should deductibles be?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following insurance rates determine the cost difference between high and low physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in garaging location in Denver which can increase or decrease prices significantly.

Based on the figures above, using a $100 deductible costs approximately $51 more each month or $612 each year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 18 months between claims, you would probably be better off if you opt for a higher deductible.

Cheaper rates with these rate reducing discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but some must be inquired about prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

• Seat Belt Discounts – Requiring all passengers to buckle up before driving could save 15% off PIP or medical payments premium.
• Low Miles Discount – Low mileage vehicles can earn discounted premium rates on garaged vehicles.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
• Online Discount – Many car insurance companies give back up to $50 for buying a policy and signing up on your computer.
• Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts may get savings as much as 30%.
• Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
• No Charge for an Accident – Not really a discount, but companies like State Farm and Progressive may permit one accident without the usual rate increase so long as you haven’t had any claims before the accident.
• Claim Free – Good drivers with no accidents can save substantially as opposed to drivers with a long claim history.
• Discounts for New Vehicles – Buying a new car instead of a used A6 can save you some money compared to insuring an older model.
• Mature Driver Discount – Drivers that qualify as senior citizens may receive better car insurance rates.

You should keep in mind that most discounts do not apply to the whole policy. Most only reduce individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

To see insurance companies who offer cheap Audi A6 insurance quotes in Denver in Colorado, click here to view.

Get More Affordable Auto Insurance with These Tips

Many factors are used when you get a price on insurance. Some factors are common sense such as traffic violations, although some other factors are more obscure such as your credit history or how financially stable you are. It’s important that you understand the factors that come into play when calculating auto insurance rates. When consumers understand what controls the rates you pay, this helps enable you to make changes that may result in lower premium levels.

Bad credit will cost you – Credit score is a large factor in determining what you pay for auto insurance. People with excellent credit tend to file fewer claims as compared to drivers with lower credit scores. So if your credit score is not that good, you may save money insuring your Audi A6 by improving your credit score.

How old are your drivers? – Older drivers tend to be more responsible, are lower risk to insure, and get fewer tickets.Youthful drivers are proven to be more careless behind the wheel so auto insurance rates are higher.

Increase comp and collision deductibles to save – Insurance for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, or theft. Your deductibles define how much you are required to spend if the claim is covered. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be.

Obey driving laws and save – A bad driving record impacts premiums far more than you think. Having just one driving citation can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe violations such as DUI or reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.

Better rates on vehicles with better crash test results – Safer cars tend to have better insurance rates. Vehicles built for safety protect occupants better and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Audi A6 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Consolidate and save – Many companies apply discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.

Insurance loss data for Audi A6 vehicles – Auto insurance companies include the past claim history for a vehicle as a way to help calculate a profitable premium rate. Models that tend to have increased losses will be charged more to insure. The table below outlines the actual insurance loss data for Audi A6 vehicles.

For each coverage type, the claim amount for all vehicles compiled together is a value of 100. Values that are below 100 suggest a positive loss record, while values over 100 indicate more frequent losses or tendency to have higher losses.

What is the best insurance coverage?

When it comes to insurance from an agent or online, there isn’t really a one size fits all plan. Every insured’s situation is different and your insurance should unique, too.
Here are some questions about coverages that may help highlight whether you may require specific advice.

• What is covered by UM/UIM coverage?
• Does my policy cover me if I wreck while driving under the influence?
• Can I rate high risk drivers on liability-only vehicles?
• What should my uninsured motorist coverage limits be in Colorado?
• Does coverage extend to a rental car in a foreign country?
• Is my teen driver covered when they drive my company car?
• Why do I need rental car insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

When to talk to an agent

Certain consumers just want to have an agent’s advice and that is not a bad decision Insurance agents are trained to spot inefficiencies and will help you if you have claims. The biggest benefit of comparing auto insurance online is the fact that you can find cheaper premium rates and still have a local agent. Buying from local agencies is still important in Denver.

After completing this simple form, your information is submitted to local insurance agents who will gladly provide quotes for your auto insurance coverage. It makes it easy because there is no need to visit any agencies since rate quotes are delivered directly to your email. If you want to get a price quote from one company in particular, you can always visit that company’s website to submit a rate quote request.

Exclusive and independent Denver auto insurance agents

If you want to use a reputable insurance agent or broker, it can be helpful to understand the different types of agents that you can choose from. Denver agents are either exclusive or independent. Both types can write policy coverage, but it’s a good idea to understand how they are different since it can affect the kind of agent you use.

Independent Agencies or Brokers

Independent insurance agents can sell policies from many different companies so they can insure your vehicles with an assortment of companies and find the cheapest auto insurance rates. If your premiums go up, your agent can just switch to a different company which is easy for the insured.

If you are trying to find cheaper rates, you absolutely need to get several quotes from a couple of independent agencies to have the most options to choose from.

Below is a short list of independent agents in Denver who can help you get free auto insurance rate quotes.

View more Denver agents

Exclusive Insurance Agents

Exclusive agents can only place business with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained in insurance sales which aids in selling service over price.

Below is a list of exclusive agencies in Denver that can give you rate quotes.

View more Denver agents

Finding the right auto insurance agent should depend on more than just a cheap quote. Any good agent in Denver should know the answers to these questions.

• Are they in the agency full-time?
• Do they offer accident forgiveness?
• If your car is in the repair shop, do you have coverage for a rental car?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• How long has their agency been in business in Denver?
• Do they have 24-hour customer assistance?
• Are aftermarket or OEM parts used to repair vehicles?
• Do the agents have professional certifications like CPCU or CIC?

Save $395 a year? Really?

Colorado consumers can’t get away from all the ads for insurance savings from the likes of State Farm and Allstate. They all tend to make the same promise that people will save just by moving your policy.

That’s great but how can every company say the same thing?

All companies give the best rates for the type of insured that will not have excessive claims. An example of a desirable insured might be described as over the age of 45, has a clear driving record, and has a high credit rating. Any new insured who meets those qualifications receive the lowest rate quotes in Denver and is almost guaranteed to save when switching.

Consumers who fall outside these criteria will probably have to pay higher premiums with the end result being business going elsewhere. Company advertisements say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can confidently advertise the savings.

This illustrates why it is so important to get a wide range of price quotes. You cannot predict which company will give you the biggest savings.

Cheaper insurance is a realistic goal

We just showed you quite a bit of information on how to reduce Audi A6 insurance prices online in Denver. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best prices are with a small mutual company. Some small companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

When shopping online for insurance, you should never buy poor coverage just to save money. In too many instances, someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Affordable Audi A6 insurance in Denver is definitely available from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer rates over the internet and many times these regional carriers sell through independent agencies.

To learn more, feel free to browse the following helpful articles:

• Help Your Teen Be a Better Driver (State Farm)
• Who Has the Cheapest Denver Auto Insurance Quotes for Drivers Under 25? (FAQ)
• Who Has the Cheapest Car Insurance for Uninsured Drivers in Denver? (FAQ)
• Who Has Cheap Car Insurance Rates for a Chevrolet Silverado in Denver? (FAQ)
• Car Insurance FAQ (Trusted Choice)
• Property Damage Coverage (Liberty Mutual)