How to Save on Audi A6 Insurance in San Antonio

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Insurance rates Audi A6 in San AntonioScraping up a payment for expensive Audi A6 insurance in San Antonio can overdraw your monthly budget and make it impossible to make ends meet.

It's a known fact that car insurance companies don't want customers comparing rates. Insureds who compare rates annually are likely to move their business because there are good odds of finding discount prices. A recent survey discovered that drivers who compared rates annually saved as much as $860 a year compared to policyholders who never shopped around.

If finding the cheapest price on car insurance in San Antonio is why you're reading this, then having a good understanding the best way to compare car insurance can make shopping around easier. Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate on Audi A6 insurance in San Antonio.

If you're already insured or just want a better rate, you can use these tips to save money and still have adequate protection. Choosing the most cost-effective insurance policy in San Antonio can initially seem challenging. Consumers only need an understanding of how to compare different rates from multiple carriers.

Best companies for Audi A6 insurance

The auto insurance companies shown below offer quotes in San Antonio, TX. If multiple providers are shown, it's a good idea that you click on several of them in order to find the lowest rates.

Car insurance data for an Audi A6

The premium information below outlines a range of prices for Audi A6 models. Having a better idea how car insurance prices are determined is important for making smart choices when comparing insurance rates.

Audi A6 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $390 $890 $400 $24 $120 $1,824 $152
A6 3.2 Premium Plus 4-Dr Sedan $390 $890 $400 $24 $120 $1,824 $152
A6 3.0 Quattro Premium 4-Dr Sedan $390 $890 $400 $24 $120 $1,824 $152
A6 3.0 Quattro Premium Plus 4-Dr Sedan $390 $890 $400 $24 $120 $1,824 $152
A6 3.0 Quattro Premium Station Wagon $390 $890 $340 $20 $102 $1,742 $145
A6 3.0 Quattro Premium Plus Station Wagon $390 $890 $340 $20 $102 $1,742 $145
A6 3.0 Quattro Prestige 4-Dr Sedan $390 $890 $400 $24 $120 $1,824 $152
A6 3.0 Quattro Prestige Station Wagon $390 $890 $340 $20 $102 $1,742 $145
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $428 $994 $400 $24 $120 $1,966 $164
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage rates significantly.

Should you raise deductibles?

One frequently asked question is where should you set your physical damage deductibles. The following tables can help show the rate differences of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Audi A6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
A6 3.2 Premium Plus 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
A6 3.0 Quattro Premium 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
A6 3.0 Quattro Premium Plus 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
A6 3.0 Quattro Premium Station Wagon $454 $908 $324 $20 $96 $1,827 $152
A6 3.0 Quattro Premium Plus Station Wagon $454 $908 $324 $20 $96 $1,827 $152
A6 3.0 Quattro Prestige 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
A6 3.0 Quattro Prestige Station Wagon $454 $908 $324 $20 $96 $1,827 $152
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $496 $1014 $382 $22 $114 $2,053 $171
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Audi A6 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
A6 3.2 Premium Plus 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
A6 3.0 Quattro Premium 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
A6 3.0 Quattro Premium Plus 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
A6 3.0 Quattro Premium Station Wagon $332 $614 $324 $20 $96 $1,386 $116
A6 3.0 Quattro Premium Plus Station Wagon $332 $614 $324 $20 $96 $1,386 $116
A6 3.0 Quattro Prestige 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
A6 3.0 Quattro Prestige Station Wagon $332 $614 $324 $20 $96 $1,386 $116
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $362 $686 $382 $22 $114 $1,566 $131
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates greatly.

Based on these figures, using a $100 deductible costs roughly $37 more each month or $444 each year averaged for all A6 models than quoting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 11 months between claim filings, you would save more money by going with a higher deductible.

The illustration below illustrates how your choice of deductibles and can influence Audi A6 premium costs for each age group. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Safe drivers pay less for car insurance

The information below demonstrates how citations and at-fault claims can affect Audi A6 yearly insurance costs for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Male drivers compared to female drivers in San Antonio

The example below compares Audi A6 auto insurance costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.

How Insurers Calculate Audi A6 Insurance Premiums

Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are not quite as obvious such as whether you are married or how financially stable you are. When buying insurance it's important to understand the factors that go into determining the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower insurance prices.

The list below includes just a few of the factors used by companies to determine prices.

Your vocation may affect prices - Did you know your career choice can influence rates? Occupations such as real estate brokers, police officers, and accountants have the highest average rates attributed to intense work situations and lots of time spent at work. On the other hand, jobs like farmers, athletes and retirees have the lowest average rates.

Single drivers may pay higher prices - Having a significant other may cut your premiums on insurance. Marriage generally demonstrates drivers are more mature and insurance companies reward insureds because married couples file fewer claims.

Alarm systems lower rates - Selecting a car model that has an advanced theft prevention system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.

Choose high IIHS safety ratings and save - Vehicles with good safety scores can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid passed on to you as lower rates. If your Audi A6 has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Premiums are impacted by vehicle performance - The type of car you are buying insurance for makes a big difference in your car insurance bill. The best insurance prices are generally reserved for smaller low performance passenger cars, but the cost you end up paying is determined by many additional factors.

The following data assumes a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Audi A6 rates compared to other makes and models that have different performance rating factors.

Audi A6 claim data - Insurers take into consideration insurance loss statistics for every vehicle to calculate a price that will offset losses. Vehicles that the data determines to have higher losses will have higher rates. The table below illustrates the loss history for Audi A6 vehicles.

For each type of coverage, the statistical loss for all vehicles combined as an average is represented as 100. Numbers shown that are under 100 imply a favorable loss record, while values over 100 point to more claims or larger claims.

Auto Insurance Loss Data for Audi A6 Models
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

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

Slash rates with these money saving discounts

Car insurance is not cheap, but you might be missing out on some discounts that can drop the cost substantially. Many discounts should be triggered at the time of purchase, but some must be inquired about prior to getting the savings.Auto insurance discounts

  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Pay Early and Save - By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Senior Citizen Rates - Mature drivers may be able to get a small decrease in premiums.
  • Air Bag Discount - Factory air bags or automatic seat belts can receive discounts as much as 30%.
  • Telematics Data - People who choose to allow driving data submission to spy on driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate's Drivewise system could see a rate decrease if their driving habits are good.
  • Discounts for Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Anti-lock Brake System - Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • No Claims - San Antonio drivers who stay claim-free can save substantially when compared to drivers with a long claim history.
  • Save with a New Car - Insuring a new A6 may earn a small discount because new model year vehicles keep occupants safer.

It's important to note that some credits don't apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren't that generous.

The chart below compares Audi A6 annual premium costs with and without discounts applied. The rate quotes are based on a male driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.

Popular auto insurance companies and their possible discounts can be read below.

  • Farm Bureau offers premium reductions for renewal discount, youthful driver, good student, multi-vehicle, and driver training.
  • Liberty Mutual offers discounts including new move discount, new graduate, good student, multi-car, multi-policy, and safety features.
  • State Farm has discounts for student away at school, passive restraint, good student, anti-theft, multiple policy, and Drive Safe & Save.
  • Auto-Owners Insurance may have discounts that include safe driver, multiple vehicles, paid in full, paperless, good student, anti-lock brakes, and anti-theft.
  • GEICO policyholders can earn discounts including defensive driver, five-year accident-free, anti-theft, multi-vehicle, and membership and employees.
  • SAFECO may include discounts for multi-car, safe driver, teen safe driver, anti-theft, homeowner, bundle discounts, and teen safety rewards.

If you need affordable Audi A6 insurance quotes, ask every insurance company which discounts you qualify for. Savings might not be offered in your state. If you would like to choose from a list of companies offering auto insurance discounts in San Antonio, click this link.

Shop online but buy locally

Many drivers still prefer to talk to an insurance agent and there is nothing wrong with that. Experienced insurance agents can answer important questions and help you file claims. A nice benefit of comparing insurance online is you can get lower rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, the coverage information is transmitted to local insurance agents in San Antonio who will give you bids for your business. It makes it easy because there is no need to visit any agencies as quotes are delivered to you instantly. If you want to quote rates from one company in particular, you just need to search and find their rate quote page and complete a quote there.

Finding a good insurer should depend on more than just the premium amount. Any agent in San Antonio should have no problem answering these questions:

  • How much training do they have in personal risk management?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Does the agency provide any after hours assistance?
  • Does the agent recommend any additional coverage?
  • What insurance companies do they work with in San Antonio?
  • Can they provide you with a list of referrals?
  • Are they actively involved in the community?

Listed below are agents in San Antonio that may be willing to give rate quotes for Audi A6 insurance in San Antonio.

8201 Roughrider Dr - San Antonio, TX 78239 - (210) 655-0212 - View Map

8607 Wurzbach Rd #101 - San Antonio, TX 78240 - (210) 696-1133 - View Map

15335 San Pedro Ave - San Antonio, TX 78232 - (210) 979-9000 - View Map

19190 Stone Oak Pkwy #112 - San Antonio, TX 78258 - (210) 496-3276 - View Map

More insurance agents

There's no such thing as the perfect auto insurance policy

When quoting and comparing your policy for your vehicles, there really is no single plan that fits everyone. You are unique and your auto insurance should unique, too.Higher deductibles save money For instance, these questions could help you determine whether you will benefit from professional help.

  • When would I need additional glass coverage?
  • Am I better off with higher deductibles on my Audi A6?
  • Will filing a claim cost me more?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving on a suspended license?
  • Are my custom wheels covered?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Persistence is the key to cheaper rates

Some insurance providers don't offer online quoting and most of the time these smaller providers work with local independent agencies. Affordable Audi A6 insurance in San Antonio is definitely available both online as well as from independent agents in San Antonio, and you should compare price quotes from both to have the best rate selection.

As you quote San Antonio car insurance, it's a bad idea to reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

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