Find Cheaper Audi A6 Insurance in Pittsburgh

It’s safe to assume that insurance companies don’t want you to look for a cheaper policy. Insureds who get price comparisons are inclined to buy a different policy because there is a high probability of finding discount prices. A recent auto insurance study discovered that consumers who regularly compared price quotes saved $70 a month compared to drivers who never compared other company’s rates.

If finding the best rates on auto insurance is your ultimate goal, then having an understanding of how to choose a company and compare insurance rates can make the process more efficient.

If you want to save the most money, the best way to find affordable auto insurance rates is to start doing a yearly price comparison from providers who sell insurance in Pittsburgh.

First, spend some time learning about coverages and the things you can change to drop your rates. Many policy risk factors that are responsible for high rates like accidents, careless driving, and a substandard credit history can be rectified by making minor changes to your lifestyle. Keep reading for the details to prevent expensive rate increases and find hidden discounts.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can quote prices from multiple sources.

Third, compare the new rates to your existing policy to determine if switching companies saves money. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.

Fourth, notify your current company to cancel your current car insurance policy and submit payment and a completed application to the new company. Once the application is submitted, keep the new proof of insurance certificate in your glove compartment.

The critical component of shopping around is to compare the same liability limits and deductibles on each quote and to quote with as many companies as feasibly possible. This enables an accurate price comparison and a complete rate analysis.

Finding the cheapest coverage in Pittsburgh is not that difficult. If you currently have a car insurance policy, you will definitely be able to reduce premiums using these methods. But Pennsylvania drivers must learn the way insurance companies determine what you pay and take advantage of how the system works.

Cut Insurance Costs with These Tips

Multiple criteria are considered when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are less apparent like your continuous coverage or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the elements that help determine your auto insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes most of the major factors used by insurance companies to determine your prices.

• Low credit rating equals high prices – Having a bad credit score factor in your rate calculation. If your credit history can be improved, you could be paying less to insure your Audi A6 by spending a little time repairing your credit. Consumers who have very good credit scores tend to be more responsible and file fewer claims than drivers who have bad credit.

• Prices go up with performance – The performance of the car you drive makes a significant difference in the rate you pay. The lowest premiums are usually found on smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.

  The following data assumes a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Audi A6 car insurance rates compared to other models of vehicles that have a range of performance rating factors.

• Get hitched and get cheaper prices – Getting married can get you a discount on your policy. It means you’re more financially stable and statistics prove drivers who are married are more cautious.

• Gender impacts costs – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but males have accidents that have higher claims. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

  The chart below shows the comparison of Audi A6 car insurance rates for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

• See if your company offers a multi-policy discount – Many insurers will award lower prices for people who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
• Extra policy coverages are wasting money – Policies have optional add-on coverages that can add up if you aren’t careful. Coverage for things like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage are some examples. These coverages may sound good at first, but if you don’t need them eliminate the coverages to reduce your premium.
• Lower miles driven equals lower premium – The more you drive in a year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can be on a lower rate level than those used for commuting. Double check that your auto insurance policy properly reflects the proper vehicle usage, because improper ratings can cost you money. Improper usage on your A6 may be wasting your money.

• Audi A6 insurance loss probability – Insurance companies use past loss statistics for each vehicle to help determine prices. Vehicles that historically have increased claim numbers or amounts will cost more for coverage. The table below shows the insurance loss data for Audi A6 vehicles.

  For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers that are below 100 represent a good loss history, while values over 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

  
  

  Audi A6 Insurance Loss Statistics

  Vehicle Make and 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
  Statistics from IIHS.org for 2013-2015 Model Years

The most recommended method to compare insurance rates in your area takes advantage of the fact all the major auto insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is provide details including if you lease or own, coverage limits, whether or not you need a SR-22, and if you are currently licensed. Your insurance information is submitted instantly to many highly-rated insurers and you will get price comparisons quickly.

If you wish to get multiple quotes for your Audi A6 now, click here then complete the form.

The following companies are ready to provide price quotes in Pittsburgh, PA. To buy the cheapest auto insurance in Pennsylvania, we suggest you get prices from several of them to get a more complete price comparison.

Audi A6 insurance analysis

The coverage table below showcases different prices for Audi A6 models. Having a better idea how rate quotes are formulated is important for you to make decisions when shopping around.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can affect premium rates significantly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The premium rates below show the differences in premium rates when you choose different coverage deductibles. The first table uses a $250 deductible and the second price chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in specific location which can alter coverage prices significantly.

Based on this data, using a $250 deductible costs roughly $34 more each month or $408 a year across all Audi A6 models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 22 months between claim filings, you would most likely save money if you opt for a higher deductible.

The diagram below shows how choosing a deductible and can affect Audi A6 insurance premiums for different age categories. The rates are based on a single female driver, full coverage, and no discounts are factored in.

Insurance rate increases from tickets or accidents

The diagram below demonstrates how traffic citations and at-fault accidents can affect Audi A6 insurance premiums for each age group. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Does it make sense to buy full coverage?

The example below illustrates the comparison of Audi A6 insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Guidelines for dropping full coverage

There isn’t a steadfast formula of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Audi A6 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying your deductible. If you are paying over $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Protect your A6 and other assets

Despite the high cost of buying insurance for a Audi A6 in Pittsburgh, insurance is required in Pennsylvania but it also protects you in many ways.

• Almost all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your vehicle, almost every bank will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Audi at a much higher premium rate and force you to pay for the much more expensive policy.
• Auto insurance preserves both your vehicle and your assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.

The benefits of buying auto insurance outweigh the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays more than $800 each year so it’s important to compare rates once a year at a minimum to be sure current rates are still competitive.

Verify you’re earning every discount

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Some trigger automatically at quote time, but lesser-known reductions have to be inquired about before being credited.

• Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
• Waiver for an Accident – Not a discount per se, but some insurance companies will allow you to have one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
• Own a Home and Save – Just being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
• Driver Safety – Passing a class that teaches safe driver techniques could cut 5% off your bill and easily recoup the cost of the course.
• New Vehicle Savings – Putting insurance on a new A6 is cheaper since newer models are generally safer.
• ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Switch and Save Discount – A few companies offer discounts for buying a new policy before your current coverage expires. This discount can save up to 10%.
• Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Sign Online – Certain companies give back up to $50 shop Pittsburgh car insurance on your computer.

A quick disclaimer, most credits do not apply to the whole policy. Most cut individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

The diagram below shows the difference between Audi A6 insurance rates with and without policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.

Companies and some of the premium reductions they offer are:

• Farm Bureau has savings for renewal discount, good student, 55 and retired, multi-vehicle, driver training, safe driver, and multi-policy.
• Liberty Mutual offers discounts including new vehicle discount, teen driver discount, safety features, good student, multi-car, and new move discount.
• State Farm may include discounts for safe vehicle, passive restraint, Steer Clear safe driver discount, student away at school, and driver’s education.
• Auto-Owners Insurance may offer discounts for good student, paperless, anti-theft, teen driver, mature driver, and student away at school.
• GEICO offers discounts for air bags, driver training, five-year accident-free, membership and employees, and emergency military deployment.
• SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, drive less, teen safe driver, and teen safety rewards.

If you are trying to find cheaper Pittsburgh car insurance quotes, ask every insurance company which discounts can lower your rates. A few discounts might not be offered in Pittsburgh. For a list of providers that offer discounts in Pittsburgh, click here.

Buying from auto insurance agents

A small number of people still prefer to go talk to an agent and doing that can be a smart decision An additional benefit of price shopping on the web is you may find the best rates and still have a local agent.

After filling out this form (opens in new window), your insurance data is submitted to agents in your area who want to provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered to you instantly. You can find better rates without having to waste a lot of time. If you have a need to compare prices from a specific insurance company, you just need to go to their quote page and complete a quote there.

Choosing an insurance company requires more thought than just a cheap price quote. Here are some questions you might want to ask.

• Where would your vehicle be repaired?
• Is the quote a firm price?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Do they have designations such as AIC, CPCU, or CIC?
• Will a damage claim use OEM or aftermarket replacement parts?

What is the best auto insurance company in Pittsburgh?

Picking a good quality car insurance provider can be a challenge considering how many different companies sell coverage in Pittsburgh. The rank data in the next section can help you choose which coverage providers you want to consider comparing rates with.

Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Find cheaper rates by being thorough

Lower-priced Audi A6 insurance in Pittsburgh can be bought from both online companies and also from your neighborhood Pittsburgh agents, and you should compare rates from both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just covered a lot of information how to save on Audi A6 insurance in Pittsburgh. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Pittsburgh car insurance quotes. You may even discover the lowest rates are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.

More tips and info about auto insurance can be found in the articles below:

• Older Driver Statistics (Insurance Information Institute)
• How Much is Auto Insurance for a Hyundai Sonata in Pittsburgh? (FAQ)
• Who Has Affordable Car Insurance for Hybrid Vehicles in Pittsburgh? (FAQ)
• Who Has Cheap Car Insurance for 19 Year Olds in Pittsburgh? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for a Honda Accord in Pittsburgh? (FAQ)
• Insuring a Leased Car (Insurance Information Institute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)