Are you drained from trying to scrape together enough money to keep your car insured? You’re in the same situation as millions of other drivers.
Unbelievable but true, about 70% of customers renewed their policy with the same company for well over three years, and almost 40% of drivers have never compared rates from other carriers. American drivers can cut their rates by about $859 a year, but they don’t understand how simple it is to compare rates and save money. Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and uncover the absolute best rates possible on Audi A6 insurance in Nashville.
You should make it a habit to take a look at other company’s rates as often as possible because prices are rarely the same from one policy term to another. Even if you got the best deal on Audi A6 insurance in Nashville at your last renewal you will most likely find a better rate quote today. Ignore everything you know about auto insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.
If you have coverage now or just want a better rate, you will benefit by learning to find better prices without having to cut coverage. Locating the best rates in Nashville is not that difficult. Consumers just need to use the most efficient way to buy insurance instantly.
Lowering your Audi A6 auto insurance rates doesn’t have to be difficult. Drivers just need to invest a few minutes to compare rate quotes from some recommended companies.
It’s so fast and easy to compare quotes online that it makes it obsolete to drive to different Nashville agent offices. Quoting and buying Audi A6 insurance online has reduced the need for local agents unless you have a need for the professional assistance of an agent trained in personal lines coverage. Although you can obtain prices from the web but have your policy serviced through an agent.
The companies shown below have been selected to offer price quotes in Tennessee. To locate the best cheap car insurance in Nashville, we recommend you visit several of them in order to get a fair rate comparison.
Insurance coverage details
The coverage table shown below covers estimates of rate quotes for Audi A6 models. Being aware of how insurance quotes are formulated can be useful when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$266||$594||$326||$20||$98||$1,304||$109|
|A6 3.2 Premium Plus 4-Dr Sedan||$266||$594||$326||$20||$98||$1,304||$109|
|A6 3.0 Quattro Premium 4-Dr Sedan||$266||$594||$326||$20||$98||$1,304||$109|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$266||$594||$326||$20||$98||$1,304||$109|
|A6 3.0 Quattro Premium Station Wagon||$266||$594||$278||$16||$84||$1,238||$103|
|A6 3.0 Quattro Premium Plus Station Wagon||$266||$594||$278||$16||$84||$1,238||$103|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$266||$594||$326||$20||$98||$1,304||$109|
|A6 3.0 Quattro Prestige Station Wagon||$266||$594||$278||$16||$84||$1,238||$103|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$290||$664||$326||$20||$98||$1,398||$117|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in zip code location which can raise or lower premiums considerably.
The chart below demonstrates how deductible levels and can impact Audi A6 insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Impact of violations and accidents on rates in Nashville
The example below demonstrates how speeding tickets and at-fault accidents can drive up Audi A6 insurance rates for each different age category. The price estimates are based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Should you buy full coverage?
The diagram below shows the difference between Audi A6 auto insurance costs with and without full coverage. The information is based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied.
When to drop comprehensive and collision
There isn’t a steadfast formula to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Audi A6 claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your deductible. If you are currently paying more than $700 a year for physical damage coverage, then you might consider buying liability only.
There are a few situations where only buying liability is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Car insurance is not optional
Despite the fact that car insurance is not cheap in Nashville, buying car insurance may be required and benefits you in several ways.
First, almost all states have minimum liability requirements which means the state requires a specific level of liability insurance in order to drive the car legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your Audi A6 has a loan, almost every bank will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Audi at an extremely high rate and require you to pay the higher price.
Third, car insurance preserves both your vehicle and your personal assets. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. But the average driver in Tennessee is overpaying more than $820 a year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.
Don’t overlook these seven Audi A6 insurance discounts
Some insurance providers don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Nashville auto insurance online.
- ABS Brakes – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
- Air Bag Discount – Options like air bags or motorized seat belts may get savings as much as 30%.
- Defensive Driving Course – Taking time to complete a course teaching defensive driving skills could save 5% or more if you qualify.
- Club Memberships – Joining a qualifying organization can get you a small discount on auto insurance.
- Own a Home and Save – Just being a homeowner can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
- Driver Education Discount – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
- Savings for New Vehicles – Putting auto insurance coverage on a new A6 can save up to 30% because newer vehicles are generally safer.
As a sidenote, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Audi A6 insurance prices with and without discounts applied to the premium. The costs are based on a female driver, no accidents or driving violations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, marriage, and homeowner discounts applied.
Auto insurance companies that have these benefits possibly include:
Check with all companies you are considering to give you their best rates. Discounts may not be available in every state. If you would like to see a list of insurance companies with significant discounts in Nashville, click here.
Local neighborhood agents and insurance
Some people prefer to go talk to an agent and we recommend doing that Good agents can point out coverage gaps and help submit paperwork. A good thing about comparing insurance prices online is that you can obtain cheap insurance quotes and still have a local agent. Buying from and supporting local agents is important particularly in Nashville.
To find an agent, once you fill out this quick form, your information gets sent to insurance agents in Nashville that give free quotes for your insurance coverage. You won’t need to find an agent on your own since price quotes are sent to the email address you provide. If for some reason you want to get a rate quote from a specific insurance provider, you can always navigate to their website and submit a quote form there.
Selecting an company should depend on more than just the bottom line cost. You should also get answers to these questions.
- Are there any extra charges for paying monthly?
- Will high miles depreciate repair valuations?
- In the event of vehicle damage, can you pick the collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
- What company do they have the most business with?
- Can glass repairs be made at your home?
- Is coverage determined by price?
- Do you need full coverage on every vehicle?
Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Collision insurance will pay to fix damage to your A6 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like damaging your car on a curb, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your A6 to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like rehabilitation expenses, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
Liability car insurance
This can cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/15 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $15,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers things such as medical expenses, structural damage and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Tennessee requires drivers to carry at least 25/50/15 but it’s recommended drivers buy better liability coverage.
The chart below shows 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 from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/15 in Tennessee), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.
One last thing about your coverage
We covered a lot of information how to shop for Audi A6 insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from a small mutual company. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.
Budget-friendly car insurance in Nashville is available both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer price quotes online and usually these smaller companies sell through independent insurance agencies.
How to buy affordable Audi A6 insurance in Nashville
It takes a few minutes, but the best way to find low-cost prices for auto insurance rates is to begin comparing prices regularly from insurers that sell auto insurance in Nashville. Rate comparisons can be done by following these guidelines.
- Gain an understanding of coverages and the things you can change to keep rates in check. Many policy risk factors that increase rates like speeding tickets, careless driving and poor credit history can be amended by paying attention to minor details.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can quote rates for many different companies.
- Compare the price quotes to your existing policy to see if you can save by switching companies. If you can save some money, make sure there is no coverage gap between policies.
- Notify your agent or company to cancel your current coverage and submit a completed policy application and payment to your new company or agent. Don’t forget to keep your new proof of insurance paperwork along with the vehicle’s registration papers.
A good piece of advice is to make sure you’re comparing identical coverage information on every price quote and and to look at as many companies as you can. This enables an accurate price comparison and a thorough selection of prices.
Even more information is available at these sites:
- Auto Theft Statistics (Insurance Information Institute)
- How Much is Nashville Auto Insurance for a GMC Sierra? (FAQ)
- How Much are Auto Insurance Rates for Teenage Females in Nashville? (FAQ)
- Who Has the Cheapest Nashville Auto Insurance for a Toyota RAV4? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)