Affordable Audi A6 Insurance in Oakland

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Insurance for Audi A6Getting discount Oakland Audi A6 insurance quotes over the internet may seem to be difficult for beginners to comparing prices over the internet. With such a big selection of agents and online companies available, how are we expected to possibly compare every possible option in order to find the best available price?

It's well known that car insurance companies don't want you to look for cheaper rates. People who shop rates annually will probably switch insurance companies because there is a significant possibility of finding a cheaper policy. A recent insurance study revealed that consumers who routinely compared quotes saved about $3,400 over four years compared to people who never shopped for cheaper rates.

If finding the best rates on Audi A6 insurance is your ultimate goal, then learning a little about how to quote prices and compare insurance coverage can help you succeed in saving money.

This information will let you in on how to compare rates easily and some money-saving tips. If you are already insured, you will most likely be able to save money using these techniques. But California drivers must know how insurance companies determine how much to charge and use it to your advantage.

Save a ton by taking advantage of discounts

Companies that sell car insurance don't list the entire discount list very clearly, so we took the time to find both well-publicized and the more hidden credits that may apply to you.

  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • No Claims - Insureds with no claims or accidents pay less as compared to insureds who have frequent claims or accidents.
  • Cautious Driver Discounts - Drivers who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
  • Distant Student Discount - Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Anti-lock Brake System - Cars with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Good Student - Being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Professional Organizations - Belonging to a civic or occupational organization in Oakland can get you a small discount when shopping for auto insurance.
  • Anti-theft Discount - Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your Oakland car insurance quote.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn't work that way. Any qualifying discounts will reduce your overall premium however.

The diagram below compares Audi A6 insurance costs with and without some available policy discounts. The data is based on a male driver, no claims or driving violations, 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 marriage, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.

Car insurance companies that possibly offer these money-saving discounts include:

When comparing rates, check with all the companies the best way to save money. Some of the earlier mentioned discounts may not be available in your state.

When quoting insurance, remember that comparing more prices gives you a better chance of getting better pricing. Not every company does rate quotes online, so it's important to also get prices from the smaller companies as well.

The auto insurance companies shown below can provide free rate quotes in Oakland, CA. In order to find cheap car insurance in California, we suggest you compare several of them in order to find the cheapest rates.

Car insurance statistics and figures

The rate table displayed next highlights a range of insurance prices for Audi A6 models. Being aware of how rates are calculated can help drivers make decisions on which insurance to purchase.

Audi A6 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $252 $544 $464 $28 $138 $1,426 $119
A6 3.2 Premium Plus 4-Dr Sedan $252 $544 $464 $28 $138 $1,426 $119
A6 3.0 Quattro Premium 4-Dr Sedan $252 $544 $464 $28 $138 $1,426 $119
A6 3.0 Quattro Premium Plus 4-Dr Sedan $252 $544 $464 $28 $138 $1,426 $119
A6 3.0 Quattro Premium Station Wagon $252 $544 $394 $24 $118 $1,332 $111
A6 3.0 Quattro Premium Plus Station Wagon $252 $544 $394 $24 $118 $1,332 $111
A6 3.0 Quattro Prestige 4-Dr Sedan $252 $544 $464 $28 $138 $1,426 $119
A6 3.0 Quattro Prestige Station Wagon $252 $544 $394 $24 $118 $1,332 $111
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $274 $608 $464 $28 $138 $1,512 $126
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in specific location information which can impact price quotes considerably.

Choosing deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates sum up how much more rates are of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Audi A6 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $474 $882 $442 $26 $132 $1,981 $165
A6 3.2 Premium Plus 4-Dr Sedan $474 $882 $442 $26 $132 $1,981 $165
A6 3.0 Quattro Premium 4-Dr Sedan $474 $882 $442 $26 $132 $1,981 $165
A6 3.0 Quattro Premium Plus 4-Dr Sedan $474 $882 $442 $26 $132 $1,981 $165
A6 3.0 Quattro Premium Station Wagon $474 $882 $376 $22 $112 $1,891 $158
A6 3.0 Quattro Premium Plus Station Wagon $474 $882 $376 $22 $112 $1,891 $158
A6 3.0 Quattro Prestige 4-Dr Sedan $474 $882 $442 $26 $132 $1,981 $165
A6 3.0 Quattro Prestige Station Wagon $474 $882 $376 $22 $112 $1,891 $158
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $518 $986 $442 $26 $132 $2,129 $177
Get Your Own Custom Quote Go
Audi A6 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $292 $556 $442 $26 $132 $1,448 $121
A6 3.2 Premium Plus 4-Dr Sedan $292 $556 $442 $26 $132 $1,448 $121
A6 3.0 Quattro Premium 4-Dr Sedan $292 $556 $442 $26 $132 $1,448 $121
A6 3.0 Quattro Premium Plus 4-Dr Sedan $292 $556 $442 $26 $132 $1,448 $121
A6 3.0 Quattro Premium Station Wagon $292 $556 $376 $22 $112 $1,358 $113
A6 3.0 Quattro Premium Plus Station Wagon $292 $556 $376 $22 $112 $1,358 $113
A6 3.0 Quattro Prestige 4-Dr Sedan $292 $556 $442 $26 $132 $1,448 $121
A6 3.0 Quattro Prestige Station Wagon $292 $556 $376 $22 $112 $1,358 $113
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $320 $620 $442 $26 $132 $1,540 $128
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise premiums substantially.

Based on the figures above, using a $250 deductible will cost you approximately $45 more each month or $540 each year across all Audi A6 models than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claim filings, you would come out ahead if you choose the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $164
Average monthly premium for $1,000 deductibles (subtract): - $119
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that raising deductibles to save money results in more money out-of-pocket when you have a comprehensive or collision claim. It will be required that you have some extra funds in the event you have to pay more to get your vehicle repaired.

Components of Your Audi A6 Insurance Prices

Many different elements are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although others are not as apparent such as your credit history or how financially stable you are. It's important that you understand the different types of things that help determine the rates you pay for car insurance. When consumers understand what influences your rates, this helps enable you to make changes that can earn you better car insurance rates.

The itemized list below are some of the things used by your company to calculate your rate level.

  • Physical damage deductibles - The deductibles represent how much money you are required to pay before your car insurance pays a claim. Coverage for physical damage, also called 'full coverage', is used to repair damage to your car. Some instances where coverage would apply could be rear-ending another vehicle, fire damage, and having a roll-over accident. The more expense the insured has to pay upfront, the lower your rates will be.
  • Optional features impact car insurance rates - Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Cars with good safety ratings lower prices - Vehicles with good safety scores cost less to insure. These vehicles reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
  • Premiums and your address - Being located in small towns and rural areas has it's advantages if you are looking for the lowest rates. Lower population corresponds to lower accident rates and lower theft and vandalism rates. Drivers who live in large California cities have traffic congestion and longer commutes to work. More time commuting translates into higher accident risk.
  • Do you need those extra policy coverages? - There are many extra add-on coverages you can purchase but may not be useful. Add-on coverages like replacement cost coverage, high-cost glass coverage, and term life insurance could be just wasting money. They may sound like good ideas when talking to your agent, but your needs may have changed so get rid of them and save.
  • Claims statistics for an Audi A6 - Insurance companies take into consideration historical loss data for every vehicle to help determine the price you pay. Vehicles that statistically have higher loss trends will be charged more to insure.

    The table below outlines the collected loss data for Audi A6 vehicles. For each coverage type, the claim amount for all vehicles compiled together is considered to be 100. Numbers under 100 represent a good loss history, while values over 100 show a trend for more claims or an increased chance of a larger loss.

    Insurance Loss Ratings for Audi A6 Vehicles
    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

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

Special considerations

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Am I covered while delivering pizza?
  • Do I need to file an SR-22 for a DUI in California?
  • How high should my medical payments coverage be?
  • At what point should I drop full coverage?
  • If my Audi A6 is totaled, can I afford another vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • When should my teen driver be added to my policy?
  • Will my rates increase for filing one claim?
  • When would I need rental car insurance?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

When should I have guidance from a local insurance agent?

A lot of people just prefer to sit down and talk to an agent and often times that is recommended One of the best bonuses of getting online price quotes is the fact that drivers can get lower premium rates but still work with a licensed agent. Supporting local insurance agents is important particularly in Oakland.

Upon completion of this quick form, your coverage information is submitted to companies in Oakland who will give competitive quotes for your car insurance coverage. It's much easier because you don't need to visit any agencies because quoted prices will be sent directly to your email. You can find the lowest rates without having to waste a lot of time. In the event you want to quote rates from a specific insurance company, you just need to search and find their rate quote page and fill out the quote form the provide.

If you would like to find an insurance agent, you should know the different types of agents and how they can quote your rates. Agents are classified as either exclusive agents or independent agents.

Independent Insurance Agents

Agents that choose to be independent do not work for one specific company so they can insure your vehicles with multiple insurance companies and find you the best rates. If they find a lower price, your policy is moved internally and you don't have to switch agencies.

If you need lower rates, you absolutely need to compare prices from a couple of independent agencies to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which could offer lower prices.

Listed below is a partial list of independent insurance agencies in Oakland that can give you free car insurance rate quotes.

View more agents

Exclusive Insurance Agents

These type of agents can usually just insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to provide other company's prices so they really need to provide good service. Exclusive agencies are trained well in insurance sales and that enables them to sell even at higher rates. Some insured continue to use the same agent partially due to the brand legacy and strong financial ratings.

The following is a list of exclusive agencies in Oakland willing to provide price quotes.

View more agents

Finding the right auto insurance agent is decision based upon more than just the bottom line cost. Below are some questions you should ask.

  • Which members of your family are coverage by the policy?
  • Is their price quote a firm figure or are their hidden costs?
  • Can you use your own choice of collision repair facility?
  • Which insurance companies are they affiliated with?
  • How many years have they been established?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they have a Better Business Bureau rating in Oakland?

After talking to the agent and getting answers to your satisfaction for all questions you ask and cheap A6 insurance quotes, it's a good possibility that you have found an auto insurance agent that meets the requirements to adequately provide car insurance.

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Oakland, paying for car insurance may be required and benefits you in several ways.

First, just about all states have minimum liability requirements which means you are required to buy a minimum amount of liability if you don't want to risk a ticket. In California 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.

Second, if your A6 has a lienholder, it's most likely the lender will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Audi at an extremely high rate and require you to reimburse them the higher premium.

Third, insurance safeguards both your car and your assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. The average driver in California is overpaying more than $700 annually so smart consumers compare quotes every year to ensure rates are inline.

You can lower your car insurance rates

As you shop your coverage around, never skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

Throughout this article, we presented many ways to reduce Audi A6 insurance rates online in Oakland. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may even discover the best price on car insurance is with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Steps to buying lower priced Audi A6 insurance in Oakland

If saving the most money is your goal, then the best way to find low-cost prices for Audi A6 insurance in Oakland is to make a habit of comparing prices annually from providers that insure vehicles in California. Prices can be compared by following these guidelines.

  1. Take a few minutes and learn about how your policy works and the changes you can make to drop your rates. Many factors that cause high rates like traffic violations, accidents, and a not-so-good credit rating can be rectified by paying attention to minor details.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers. View insurance agents
  3. Compare the new rates to your existing policy to see if a cheaper price is available in Oakland. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your company or agent to cancel your current car insurance policy. Submit a down payment along with a signed application for your new policy. Once received, keep the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.

The most important part of shopping around is that you'll want to compare identical deductibles and limits on every price quote and and to get price quotes from as many carriers as you can. This enables an apples-to-apples comparison and many rates to choose from.

Additional information is available on the following sites: