Auto Insurance Quotes for an Audi A6 in Virginia Beach

Amazingly, a large majority of car insurance policyholders kept their coverage with the same car insurance company for well over three years, and almost half have never even compared quotes to find lower-cost rates. Virginia Beach insurance shoppers could save up to 45% each year just by getting comparison quotes, but they don’t want to spend time to compare rate quotes.

Truthfully, the best way to get the cheapest Audi A6 insurance in Virginia Beach is to compare prices at least once a year from companies that sell auto insurance in Virginia.

First, it will benefit you to learn about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating criteria that result in higher prices like accidents, traffic tickets, and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources.

Third, compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide adequate notice to your current company to cancel the current policy. Submit payment and a completed application to the new insurer. As soon as coverage is bound, safely store the certificate of insurance above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to compare identical coverages on every quote and and to get price estimates from as many companies as feasibly possible. Doing this enables a level playing field and many rates to choose from.

If you have coverage now or just want to save money, use these techniques to get lower rates and possibly find even better coverage. The purpose of this post is to help you learn the most effective ways to compare rates and how you can save the most money. Consumers just have to know the most effective way to shop for car insurance online.

The quickest method we recommend to compare rate quotes for Audi A6 insurance in Virginia Beach is to realize most of the larger companies will pay a fee to provide you with free rate quotes. The only thing you need to do is provide a small amount of information such as if you are currently licensed, if the car is leased, how much coverage you want, and driver ages. The data is then submitted to all major companies and you get price estimates quickly.

To check Audi A6 insurance prices now, click here and find out if you can get cheaper insurance in Virginia Beach.

The following companies have been selected to offer price comparisons in Virginia Beach, VA. To locate cheap car insurance in VA, we suggest you click on several of them to get the best price comparison.

Choosing A6 insurance is an important decision

Despite the fact that insurance is not cheap in Virginia Beach, buying insurance may be mandatory for several reasons.

• Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability coverage if you want to drive legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If your vehicle has a lienholder, most banks will require you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Audi at a much higher rate and require you to pay for the expensive policy.
• Insurance preserves not only your Audi A6 but also your assets. Insurance will also pay for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $820 a year so compare quotes from several companies once a year at a minimum to ensure rates are inline.

Auto insurance statistics for an Audi A6

The rate information displayed next highlights detailed analysis of coverage costs for Audi A6 models. Having a good grasp of how insurance prices are calculated can aid in making smart choices when purchasing an insurance policy.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific zip code location which can increase or decrease insurance rates greatly.

Rate comparison for different deductibles

A question often asked by Virginia Beach drivers is how low should you set your deductibles. The figures shown below illustrate the rate difference of buying low and high physical damage deductibles. The first set of prices uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Virginia Beach location which can affect premiums noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $26 more each month or $312 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 29 months between claims, you would most likely save money going with the higher deductible.

Should you buy full coverage?

The chart below shows the difference between Audi A6 auto insurance rates with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no clear-cut formula of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Audi A6 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If it’s costing you more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Lower-cost Virginia Beach car insurance rates with discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.

• E-sign Discounts – A few larger online companies provide a small discount for buying a policy and signing up online.
• Driver Training Discounts – Taking part in a course in defensive driving may get you a small discount and easily recoup the cost of the course.
• Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
• Senior Citizen Rates – Seniors may qualify for a slight reduction on a Virginia Beach car insurance quote.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident without raising rates if your claims history is clear before the accident.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But any discount will bring down your policy premium.

The illustration below illustrates the difference between Audi A6 premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims, a clean driving record, Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.

For a list of car insurance companies that offer multiple discounts in Virginia Beach, click here to view.

When do I need to have guidance from an insurance agent?

Many people prefer to buy from a local agent and that is not a bad decision Good insurance agents are trained risk managers and help in the event of a claim. A good thing about getting online price quotes is the fact that you can find cheap insurance quotes and still buy from a local agent.

To find an agent, once you fill out this quick form, your information is immediately sent to companies in Virginia Beach who will return price quotes for your insurance coverage. You won’t need to leave your computer due to the fact that quote results will go to your email. If you need to get a price quote from one company in particular, don’t hesitate to find their quoting web page and complete a quote there.

Choosing a provider should include more criteria than just a cheap price. Any agent in Virginia Beach should be willing to answer these questions.

• Are they able to provide referrals?
• What is the agency’s Better Business Bureau rating?
• Is the agency involved in supporting local community causes?
• Does the agent help file claims?
• How long has their agency been in business in Virginia Beach?
• Are claims handled at the agent’s location?
• How long have they worked with personal auto insurance coverage?

If you need to find a reputable agency, it’s helpful to know the types of insurance agents that you can choose from. Insurance policy providers can be described as either independent or exclusive. Either type can insure your vehicles properly, but we need to point out the difference in the companies they write for since it can impact the type of agent you choose.

Exclusive Insurance Agents

Agents in the exclusive channel work for only one company like Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are well schooled on the products they sell and that can be a competitive advantage. Some insured continue to buy from exclusive agents primarily because of the prominence of the brand rather than having low rates.

The following is a list of exclusive agencies in Virginia Beach who may provide you with rate quotes.

• Farmers Insurance
  5269 Greenwich Rd # 200 – Virginia Beach, VA 23462 – (757) 456-9440 – View Map
• Tim Johnson – State Farm Insurance Agent
  700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map
• Jessica Hester – State Farm Insurance Agent
  2247 W Great Neck Rd #102 – Virginia Beach, VA 23451 – (757) 481-1840 – View Map

View more agents

Independent Agencies or Brokers

These agents often have affiliation with several companies so they have the ability to put coverage amongst many companies and find you cheaper rates. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency.

If you are comparing insurance prices, you should always check rates from independent agents to maximize your price options. Many write coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Listed below are Virginia Beach independent agencies willing to provide comparison quotes.

• Bell Insurance Agency Corporation
  1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
• Huffman Insurance Agency
  5541 Parliament Dr #209 – Virginia Beach, VA 23462 – (757) 200-3183 – View Map
• Cheeks Insurance Agency
  4968 Euclid Rd e – Virginia Beach, VA 23462 – (757) 309-1850 – View Map

View more agents

If you get good responses to any questions you have as well as a affordable price, it’s a good possibility that you have found an auto insurance agent that meets your needs to properly service your insurance policy.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Audi A6.

Since many Virginia drivers only carry the minimum required liability limits (which is 25/50/20), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This pays for damage to your A6 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible on your A6 to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, rock chips in glass and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/20 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $20,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. Virginia requires drivers to carry at least 25/50/20 but you should consider buying more liability than the minimum.

The chart below shows why the minimum limit may not be high enough to cover claims.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, rehabilitation expenses, pain medications, dental work and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

You can lower your insurance rates

You just read a lot of information how to shop for Audi A6 insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Audi A6 insurance quotes. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund or even high prices. Whatever your reason, finding the right insurance provider is not as hard as you think.

When getting Virginia Beach car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

Additional detailed information can be found in these articles:

• Distracted Driving Statistics (Insurance Information Institute)
• Who Has Affordable Car Insurance Quotes for Young Drivers in Virginia Beach? (FAQ)
• Who Has Cheap Virginia Beach Car Insurance Rates for a Toyota Camry? (FAQ)
• Who Has Affordable Virginia Beach Auto Insurance for Single Moms? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)