Cheapest Audi A6 Insurance in Philadelphia

Do you want to save money by finding lower-priced Audi A6 insurance in Philadelphia? Locating low-cost insurance for your Audi A6 in Pennsylvania could be difficult, but you can use the following methods and make it easy. There is a better way to compare auto insurance rates so you’re going to learn the proper way to compare rates on a Audi and find the lowest price from Philadelphia insurance agents and online providers.

Choosing the most cost-effective car insurance policy in Philadelphia can be easy if you know a few tricks. If you are insured now or need a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Drivers only need to know the most efficient way to get comparison quotes online.

Lower rate quotes with these seven discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few must be specifically requested before you get the savings.

• Discount for Life Insurance – Some insurance carriers give a lower price if you buy some life insurance in addition to your auto policy.
• Early Switch Discount – Some companies reward drivers for signing up before your current A6 insurance policy expires. This discount can save up to 10%.
• Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Defensive Driver Discounts – Taking a class that teaches defensive driving techniques can save you 5% or more depending on where you live.
• Service Members Pay Less – Having a family member in the military may lower your premium rates slightly.
• Senior Discount – Drivers that qualify as senior citizens are able to get lower premium rates.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Philadelphia auto insurance but check with your company.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

The illustration below shows the comparison of Audi A6 auto insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, multi-policy, and claim-free discounts applied.

A few companies that may offer policyholders these money-saving discounts possibly include:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

If you want affordable Philadelphia auto insurance quotes, ask all the companies how you can save money. Savings may not apply to policies in Philadelphia. If you would like to choose from a list of car insurance companies with significant discounts in Philadelphia, click this link.

Most major insurance companies such as State Farm, Allstate and GEICO make it easy to get price estimates on their websites. Doing online price comparisons for Audi A6 insurance in Philadelphia is easy for anyone because you just enter your personal and coverage information on the page. When the form is submitted, their quoting system sends out for your driving and credit reports and gives you a price quote based on these and other factors.

Using the web to get rates for Audi A6 insurance in Philadelphia makes comparing rates easy, and it’s absolutely necessary to do this if you want to get the cheapest possible prices on insurance.

To save time and compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This guarantees you are getting a fair comparison based on identical coverages.

The auto insurance companies shown below provide comparison quotes in Philadelphia, PA. If several companies are displayed, we suggest you get rates from several of them to get the most affordable price.

Rates and detailed analysis

The information shown below outlines different prices for Audi A6 models. Having insight into how rates are determined can aid in making smart policy decisions.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can modify coverage prices considerably.

How high should deductibles be?

One common question asked by Philadelphia drivers is how high or low should comp and collision deductibles be. The rates shown below outline the premium difference when you buy lower versus higher insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can impact prices significantly.

We can estimate from the data above that using a $100 deductible will cost you approximately $48 more each month or $576 a year than choosing the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 19 months between claims, you would more than likely save some money if you opt for a higher deductible.

Impact of speeding/accidents on auto insurance rates

The diagram below demonstrates how speeding tickets and at-fault collisions raise Audi A6 premium costs for different age categories. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Full coverage rates vs. liability-only

The chart below shows the comparison of Audi A6 yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no accidents or driving violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to drop full coverage

There is no definitive formula of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi A6 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your policy deductible. If premiums are more than $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Should I get advice from a local insurance agent?

Some people still like to visit with an insurance agent and that is a smart decision Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that drivers can get the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your coverage information is emailed to local insurance agents in Philadelphia that provide free Philadelphia auto insurance quotes for your coverage. You won’t need to contact an agency as quotes are delivered immediately to your email address. If you wish to quote rates from a specific auto insurance provider, don’t hesitate to find their quoting web page and give them your coverage information.

Choosing an insurer needs to be determined by more than just the price. Some important questions to ask are:

• If you are a high risk driver, do they have special markets for your coverage?
• Are claims handled at the agent’s location?
• What insurance companies do they recommend if they are an independent agent?
• Do you qualify for any additional discounts?
• How many years of experience in personal auto insurance do they have?

If you need to find a local insurance agency, there are two different agency structures that differ in how they can insure your vehicles. Philadelphia agents can either be exclusive agents or independent agents. Either can write policy coverage, but it is important to understand the difference in the companies they write for because it can influence your selection of an agent.

Exclusive Agencies

Exclusive insurance agents have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well trained on the products they sell and that allows them to sell at a higher price point. Consumers sometimes use the same agent primarily because of the prominence of the brand rather than having the cheapest rates.

The following are Philadelphia exclusive insurance agencies that are able to give price quote information.

• George Kweder – State Farm Insurance Agent
  1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837 – View Map
• John Nicolucci – State Farm Insurance Agent
  6001 Ridge Ave – Philadelphia, PA 19128 – (215) 482-7000 – View Map
• Brian Madalion – State Farm Insurance Agent
  7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map

More Philadelphia agents

Independent Auto Insurance Agencies

Independent agents are normally appointed by many insurers so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, your policy is moved internally which requires no work on your part. When searching for an agent, you will want to compare quotes from several independent insurance agents in order to compare the most rates. Many can place coverage with small mutual carriers who may have lower rates.

The following are Philadelphia independent agencies who can help you get price quotes.

• Nationwide Insurance: Ferullo Insurance Agencies LLC
  1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
• Kowalewski Jawork Insurance Agency Inc
  706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map
• Larry Lewis Insurance Agency, LLC
  4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110 – View Map

More Philadelphia agents

If you feel you receive good responses to any questions you may have as well as a affordable price, you may have just found an insurance agency that is professional and can properly insure your vehicles. Just remember you have the power to cancel a policy at any point so don’t think that you’re stuck with a specific company for a certain time period.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses such as dental work, doctor visits, pain medications, hospital visits and funeral costs. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your A6 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible on your A6 in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/5 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.

The next chart demonstrates why buying low liability limits may not provide adequate coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A6.

Because many people only carry the minimum required liability limits (Pennsylvania limits are 15/30/5), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Don’t give up on affordable rates

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Drivers change insurance companies for any number of reasons including policy cancellation, questionable increases in premium, poor customer service and even policy non-renewal. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

Throughout this article, we presented quite a bit of information on how to save on Audi A6 insurance in Philadelphia. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the best prices are with some of the lesser-known companies.

To learn more, feel free to visit the resources below:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• Who Has the Cheapest Philadelphia Auto Insurance Rates for Ride Shares? (FAQ)
• Who Has Affordable Auto Insurance for Retired Military in Philadelphia? (FAQ)
• What Car Insurance is Cheapest for Safe Drivers in Philadelphia? (FAQ)
• Who Has Cheap Car Insurance Rates for a Toyota Highlander in Philadelphia? (FAQ)
• Frontal Crash Tests (iihs.org)
• Medical Payments Coverage (Liberty Mutual)