Save Money on Audi A6 Insurance in Anchorage

Would you like an easy way to compare lower-priced car insurance rates in Anchorage, AK? Anchorage drivers have a choice when trying to find low-cost Audi A6 insurance. They can either spend hours calling around to compare prices or use the internet to get rate quotes. There is a better way to shop for car insurance and you need to know the proper way to price shop coverage for a Audi and find the lowest price from Anchorage insurance agents and online providers.

How Your A6 Insurance Prices are Determined

Many things are taken into consideration when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are less apparent like where you live or how safe your car is.

• Never let your car insurance lapse – Having a gap between insurance policy dates will be a fast way to pay more for car insurance. Not only will you pay higher rates, getting caught without coverage can result in a hefty fine and possibly a revoked license. Then you may be required to file a SR-22 with the Alaska department of motor vehicles.

• Performance makes a difference – The type of vehicle you own makes a substantial difference in your car insurance bill. The best insurance prices are for economy passenger cars, but other factors influence the final cost greatly.

  The following chart uses these variables: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Audi A6 car insurance rates compared to other makes and models that have different performances.

• Reduce prices by driving cars with good safety ratings – Safe vehicles are cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Audi earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

• Responsible drivers have lower premiums – Whether or not you get tickets can have a huge impact on auto insurance premiums. Careful drivers tend to pay less for car insurance as compared to careless drivers. Even one ticket can increase the cost of insurance by as much as twenty percent. Drivers unfortunate enough to have license-revoking violations such as reckless driving or DUI may find they need to complete a SR-22 with their state in order to keep their license.

  The diagram below highlights how traffic violations and at-fault accidents raise Audi A6 insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

• Does insurance coverage cost less for women? – Statistics demonstrate that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Females and males have at-fault accidents at about the same rate, but the men cause more damage. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.

  The chart below shows the comparison of Audi A6 insurance rates for male and female drivers. The rates are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

• Car insurance rates and your occupation – Do you have a high-stress occupation? Careers such as doctors, architects, and accountants generally have higher average rates because of high stress and long work hours. Conversely, professions such as professors, athletes and performers generally pay rates lower than average.
• Get married and pay less – Getting married can get you a discount when shopping for car insurance. Marriage demonstrates that you tend to be less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.
• Car insurance liability limits – Your car insurance policy’s liability coverage will protect you when you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

• Audi A6 insurance claim data – Insurers analyze past claim statistics when determining insurance costs. Models that the data shows to have higher number or severity of losses will be charged more to insure. The data below shows the compiled insurance loss statistics for Audi A6 vehicles.

  For each insurance policy coverage type, the claim amount for all vehicles as a whole is set at 100. Values that are 100 or less suggest a better than average loss history, while numbers above 100 indicate higher probability of having a loss or statistically larger claims.

  
  

  Auto Insurance Loss Data for Audi A6 Models

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Audi A6 insurance analysis

The data table below showcases different insurance prices for Audi A6 models. Having a better idea how insurance prices are formulated can assist in making smart choices when selecting a coverage provider.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific location information which can change coverage prices significantly.

Physical damage deductibles

When buying car insurance, a common question is at what level do you set your deductibles. The following insurance rates may help you to understand the rate differences when you select higher and lower coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific location information which can raise or lower insurance rates considerably.

Based on the figures above, using a $100 deductible will cost you roughly $27 more each month or $324 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 15 months between claims, you would most likely save money if you elect the higher deductible.

Do you need full coverage?

The illustration below illustrates the comparison of Audi A6 annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving citations, $1,000 deductibles, single status, and no policy discounts are applied.

When to buy liability coverage only

There is no set guideline to delete physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Audi A6 book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some circumstances where only buying liability is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Take policy discounts and save on Audi A6 insurance in Anchorage

Companies that sell car insurance don’t necessarily list every discount they offer in an easy-to-find place, so the following list contains both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy Anchorage car insurance online.

• No Claim Discounts – Anchorage drivers who stay claim-free can save substantially when compared to policyholders that have many claims.
• Telematics Data Discounts – Insureds who allow their car insurance company to study their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Progressive and Allstate will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Save over 55 – Seniors may qualify for reduced rates.
• E-sign – A few insurance companies will give you a small discount for buying your policy on your computer.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Sign Early and Save – A few companies allow discounts for signing up prior to your current A6 insurance policy expiration. Ten percent is about the average savings.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The example below shows the comparison of Audi A6 premium costs with and without discounts. The information is based on a male driver, no accidents or driving violations, Alaska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.

To locate car insurance companies who offer free Audi A6 insurance quotes in Alaska, click this link.

Ratings for Anchorage auto insurance companies

Ending up with a high-quality insurance company can be a challenge considering how many different companies sell coverage in Alaska. The company information below could help you decide which insurers you want to consider when looking for cheaper rates.

Top 10 Anchorage Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. American Family
8. AAA Insurance
9. Liberty Mutual
10. Farmers Insurance

Top 10 Anchorage Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Affordable coverage is out there

Discount Audi A6 insurance in Anchorage can be sourced on the web in addition to many Anchorage insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and usually these small insurance companies prefer to sell through independent agencies.

Insureds leave their current company for many reasons like delays in responding to claim requests, poor customer service, questionable increases in premium or even high prices. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at the best cost, but do not skimp to save money.

How to find better rates for Audi A6 insurance in Anchorage

Truthfully, the best way to get affordable car insurance rates in Anchorage is to compare quotes once a year from providers who sell auto insurance in Alaska. You can compare rates by completing these steps.

• First, try to learn about how car insurance works and the things you can change to keep rates in check. Many factors that cause rate increases like inattentive driving and an unacceptable credit rating can be amended by making lifestyle changes or driving safer.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
• Third, compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
• Fourth, notify your agent or company to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, put the new certificate of insurance in your vehicle.

The critical component of shopping around is to use identical limits and deductibles on each quote and and to analyze as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and plenty of rates choose from.

For more information, feel free to browse the following helpful articles:

• Your Car has been Stolen: Now What? (Allstate)
• What Car Insurance is Cheapest for a Subaru Outback in Anchorage? (FAQ)
• Who Has Cheap Anchorage Auto Insurance for a Toyota Highlander? (FAQ)
• Rollover Crash FAQ (iihs.org)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Car Insurance FAQ (Trusted Choice)