How long has it been since you sat down and looked for lower-priced Audi A6 insurance in Los Angeles? Trying to find cheaper insurance for your Audi A6 in California can turn out to be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to find auto insurance online and you need to know the best way to quote coverages on a Audi and find the lowest price.
Sad but true, the vast majority of auto insurance customers have remained with the same auto insurance company for over three years, and almost half have never compared rates with other companies. Drivers in California can save hundreds of dollars each year by just comparing rate quotes, but they underestimate the actual amount they would save if they switch to a new company.
Auto insurance providers offering affordable prices in California
The auto insurance companies shown below offer free rate quotes in California. If multiple providers are shown, we suggest you compare several of them to get the cheapest price.
Analysis of coverages
The information shown below outlines a range of insurance costs for Audi A6 models. Learning how rate quotes are figured can be of help when making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$384||$712||$442||$26||$132||$1,696||$141|
|A6 3.2 Premium Plus 4-Dr Sedan||$384||$712||$442||$26||$132||$1,696||$141|
|A6 3.0 Quattro Premium 4-Dr Sedan||$384||$712||$442||$26||$132||$1,696||$141|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$384||$712||$442||$26||$132||$1,696||$141|
|A6 3.0 Quattro Premium Station Wagon||$384||$712||$376||$22||$112||$1,606||$134|
|A6 3.0 Quattro Premium Plus Station Wagon||$384||$712||$376||$22||$112||$1,606||$134|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$384||$712||$442||$26||$132||$1,696||$141|
|A6 3.0 Quattro Prestige Station Wagon||$384||$712||$376||$22||$112||$1,606||$134|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$420||$794||$442||$26||$132||$1,814||$151|
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in Los Angeles location which can impact price quotes considerably.
Accidents and violations increase rates
The information below highlights how traffic violations and fender-benders can increase Audi A6 insurance costs for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below shows the comparison of Audi A6 auto insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no specific rule to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Audi A6 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after you pay the deductible. If premiums are more than $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where removing full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Earn discounts on Los Angeles insurance
Some insurers don’t always publicize the entire discount list very clearly, so the following is a list of a few of the more well known and also the more inconspicuous discounts that you may qualify for.
- No Claim Discounts – Claim-free drivers have much lower rates when compared with frequent claim filers.
- Student Driver Training – Have your child take driver’s ed class as it will make them better drivers and lower rates.
- Discount for Passive Restraints – Factory air bags may get savings of up to 25% or more.
- Distant Student – Children who live away from home to go to college and do not take a car to college may be able to be covered for less.
- Memberships – Being in a professional or civic organization can get you a small discount on insurance.
Discounts lower rates, but most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic. But all discounts will definitely lower the cost of your policy.
The diagram below shows the difference between Audi A6 auto insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, safe-driver, and marriage discounts applied.
Some companies that may have most of these discounts may include but are not limited to:
When quoting, ask every company what discounts are available to you. Some of the earlier mentioned discounts may not be available in your state.
Learn How to Find Insurance for Less
Many things are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but some are not as apparent like where you live or your vehicle rating. A large part of saving on insurance is knowing a few of the rating criteria that help calculate your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.
The list below includes a partial list of the pieces companies use to determine your rate level.
Commute or pleasure use – Driving a lot of miles in a year the higher your rates will be. Almost all companies rate vehicles based upon how the vehicle is primarily used. Autos that are left in the garage cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your insurance policy states the correct usage for each vehicle. An improperly rated A6 may be costing you higher rates.
More traffic equals higher prices – Having an address in areas with lower population can save you money when talking about insurance. Urban drivers have more road rage incidents and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
Your car’s features help determine premiums – Driving a car with a theft deterrent system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Single drivers take more risk – Getting married actually saves money on insurance. Marriage usually means you are less irresponsible and it’s statistically proven that drivers who are married are more cautious.
Pay more for higher performance vehicles – The make and model of the car you need insurance for makes a huge difference in determining your rates. The lowest premiums will generally be found on smaller low performance passenger cars, but that’s not the only thing that factors into the final price.
The following data uses these variables: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Audi A6 rates compared to other models of vehicles that have a range of performance risks.
Males are more aggressive – Over the last 30 years, statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Males and females tend to get into at-fault accidents at about the same rate, but the men get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving.
The chart below illustrates the comparison of Audi A6 insurance premiums for male and female drivers. The premiums assume no violations or claims, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Buy as much liability coverage as you can afford – Liability coverage is the protection if you are responsible for personal injury or accident damage. This coverage provides legal defense coverage to defend your case. This coverage is very inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Audi A6 insurance loss data – Companies include the past claim trends for vehicles to help determine the rate you pay. Models that tend to have higher claim amounts or frequency will have higher rates.
The table below illustrates the historical loss data for Audi A6 vehicles. For each type of coverage, the statistical loss for all vehicles averaged together is a value of 100. Values below 100 suggest a better than average loss history, while values that are 100 or greater point to more claims or a tendency for losses to be larger than average.
|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
When should I get advice from an agent?
A small number of people just want to buy from a licensed agent and that is recommended in a lot of cases Experienced insurance agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of price shopping on the web is that you can obtain cheap rate quotes and still have an agent to talk to. And supporting local insurance agencies is important especially in Los Angeles.
By using this form (opens in new window), your insurance data is submitted to agents in your area who will give competitive quotes for your coverage. You never need to find an agent on your own since price quotes are sent to you. If you have a need to get a comparison quote from one company in particular, just find their quoting web page and complete a quote there.
If you want to buy insurance from local Los Angeles agents, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Agents may be either exclusive or independent. Both types of agents can insure your vehicles, but it’s worth mentioning why they differ because it may have an impact on buying decisions.
Independent Insurance Agencies
Independent agencies do not have single company limitations so they can quote policies through many companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and the insured can keep the same agent. When searching for an agent, we highly recommend that you include a few independent agents for the best price selection. Most also have access to small mutual carriers which can save you money.
Shown below is a short list of independent agencies in Los Angeles that may be able to give you free insurance quotes.
- Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 – View Map
- True Rate Insurance
2820 S Vermont Ave #1 – Los Angeles, CA 90007 – (323) 735-1600 – View Map
- Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map
These type of agents write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so you need to shop around if the rates are high. These agents receive a lot of sales training on sales techniques which can be an advantage. Many people buy from the same agent for years mainly due to the prominence of the brand rather than having low rates.
Shown below is a list of exclusive insurance agents in Los Angeles that are able to give rate quotes.
- Allyson Weber – State Farm Insurance Agent
1063 Colorado Blvd – Los Angeles, CA 90041 – (323) 258-5801 – View Map
- Allstate Insurance: David Bang
1145 S Western Ave – Los Angeles, CA 90006 – (323) 733-6680 – View Map
- Sean Cheng State Farm Insurance Agency
767 N Hill St,109 – Los Angeles, CA 90012 – (213) 621-2526 – View Map
Finding the right insurance agent requires you to look at more than just the quoted price. These questions are important to ask:
- Are claim adjusters local or do you have to take your car somewhere else?
- What are their preferred companies if they are an independent agency?
- Will you get a loaner vehicle if you car is being repaired?
- Are there any extra charges for paying monthly?
- Do they offer accident forgiveness?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they primarily personal or commercial lines agents in Los Angeles?
Frequent quotes can save
There are still a few companies who don’t offer price quotes online and many times these small insurance companies sell through independent insurance agencies. Affordable Audi A6 insurance in Los Angeles is definitely available on the web and also from your neighborhood Los Angeles agents, so you should compare both to have the best selection.
When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.
Drivers switch companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, high rates after DUI convictions and questionable increases in premium. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
Much more information about insurance in California can be read below:
- Auto Theft Statistics (Insurance Information Institute)
- How Much are Car Insurance Rates for Drivers Over Age 70 in Los Angeles? (FAQ)
- Who Has the Cheapest Los Angeles Auto Insurance for Handicapped Drivers? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- How to Avoid Common Accidents (State Farm)