Purchasing cheap Scottsdale Audi A6 insurance quotes on the web can seem to be impossible for people new to buying insurance online. With more and more insurance companies available, how can you have the ability to compare each option to find the cheapest rates?
How to buy affordable Audi A6 insurance in Scottsdale
The recommended way to find affordable quotes for Audi A6 insurance is to compare prices at least once a year from companies who sell auto insurance in Scottsdale.
- Try to understand how car insurance works and the things you can change to drop your rates. Many factors that drive up the price such as accidents, traffic tickets, and poor credit history can be rectified by making small lifestyle or driving habit changes. Keep reading for more ideas to prevent high rates and find overlooked discounts.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies.
- Compare the new rates to the price on your current policy to determine if you can save on A6 insurance in Scottsdale. If you find better rates, ensure coverage does not lapse between policies.
- Notify your agent or company to cancel your existing policy. Submit a completed application and payment for the new policy. Once the paperwork is finalized, store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
The key thing to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get prices from every insurance company. This enables the most accurate price comparison and the best price quote selection.
A recent car insurance study discovered that the vast majority of drivers have stayed with the same insurance company for a minimum of four years, and virtually 40% of consumers have never compared quotes from other companies. Scottsdale consumers can save almost $730 each year by just shopping around, but they just assume it takes a lot of time to find cheap rates by getting comparison quotes.
You need to shop coverage around before your next renewal because prices are usually higher with each renewal. Even if you think you had the best deal on Audi A6 insurance in Scottsdale six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.
Low Cost companies for Audi A6 insurance in Arizona
The following companies are our best choices to provide comparison quotes in Scottsdale, AZ. If you want cheap car insurance in Arizona, we recommend you click on several of them to get the most competitive price.
Rates and other information
The price information below outlines detailed analysis of coverage prices for Audi A6 models. Learning a little about how insurance prices are determined can help you make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
| A6 3.2 Premium Plus 4-Dr Sedan | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
| A6 3.0 Quattro Premium Station Wagon | $170 | $388 | $288 | $18 | $86 | $950 | $79 |
| A6 3.0 Quattro Premium Plus Station Wagon | $170 | $388 | $288 | $18 | $86 | $950 | $79 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
| A6 3.0 Quattro Prestige Station Wagon | $170 | $388 | $288 | $18 | $86 | $950 | $79 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $186 | $434 | $338 | $20 | $102 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific location which can revise premiums considerably.
Comparison of policy deductibles
When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The comparisons below outline the differences in premium rates between high and low deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.2 Premium Plus 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 3.0 Quattro Premium Plus Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Prestige Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $350 | $668 | $300 | $18 | $90 | $1,451 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.2 Premium Plus 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 3.0 Quattro Premium Plus Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Prestige Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $286 | $540 | $300 | $18 | $90 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can raise or lower rates greatly.
We can estimate from the data above that using a $250 deductible costs roughly $17 more each month or $204 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 15 months between claims, you would save more money if you opt for a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $500 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The diagram below demonstrates how deductibles and can affect Audi A6 insurance costs for different age categories. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.
Get cheaper rates on Audi A6 insurance in Scottsdale with these auto insurance discounts
Companies don’t always list all possible discounts very clearly, so below is a list a few of the more common and also the more inconspicuous auto insurance savings.
- Switch and Save Discount – A few companies offer discounts for switching to them prior to your current A6 insurance policy expiring. The savings is around 10%.
- E-sign Discounts – Many larger companies give back up to $50 get Scottsdale car insurance on your computer.
- Low Mileage – Driving fewer miles may allow you to get lower premium rates on the low mileage vehicles.
- Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
- Multi-policy Discount – If you combine your home and auto policies with one company you may earn as much as 10 to 15 percent.
- Home Ownership Discount – Owning your own home or condo may trigger a policy discount on auto insurance since home ownership is proof of financial responsibility.
- Discounts for Multiple Vehicles – Buying insurance for several vehicles with one company can get a discount on all vehicles.
- Accident Free – Good drivers with no accidents can save substantially in comparison to frequent claim filers.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic.
The information below compares Audi A6 car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona 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 multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
Large auto insurance companies and a selection of discounts are outlined below.
- Mercury Insurance may include discounts for age of vehicle, type of vehicle, multi-policy, low natural disaster claims, and annual mileage.
- Farmers Insurance includes discounts for teen driver, multi-car, good student, business and professional, youthful driver, and bundle discounts.
- Farm Bureau may have discounts that include multi-vehicle, renewal discount, youthful driver, good student, driver training, safe driver, and 55 and retired.
- State Farm policyholders can earn discounts including good driver, anti-theft, Steer Clear safe driver discount, accident-free, multiple policy, safe vehicle, and student away at school.
- Allstate has savings for EZ pay plan discount, FullPay discount, anti-theft, utility vehicle, early signing, 55 and retired, and multi-policy.
- GEICO discounts include driver training, daytime running lights, five-year accident-free, good student, federal employee, defensive driver, and air bags.
When getting free Scottsdale car insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Savings might not be offered in Scottsdale. To see insurance companies that have a full spectrum of discounts in Scottsdale, click this link.
Do I need special coverages?
When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and your car insurance should be unique as well. For instance, these questions may help you determine whether you might need professional guidance.
- Do I have ACV or replacement cost coverage?
- Is my Audi A6 covered if I use it for business?
- What if a claim settlement is too low?
- I have good health insurance, so how much medical payments coverage do I need?
- Does liability extend to a camper or trailer?
- Does car insurance cover theft of personal property?
- Is my Audi A6 covered for flood damage?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Local agents and car insurance
Many people just want to sit down and talk to an agent and that is just fine! One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap rate quotes but still work with a licensed agent. And providing support for neighborhood agents is definitely important in Scottsdale.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to companies in Scottsdale who will give competitive quotes for your business. There is no reason to do any legwork due to the fact that quote results will go immediately to you. You can most likely find cheaper rates and a licensed agent to talk to. In the event you want to compare rates from one company in particular, you just need to go to their quote page to submit a rate quote request.
Choose the right car insurance agent
When finding a reputable insurance agent or broker, it helps to know the two different types of agencies and how they can write your policy. Scottsdale agents can be described as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agents
Agents that elect to be independent are not locked into one company so as a result can place your coverage with an assortment of companies and find the cheapest rate. If premiums increase, your agent can just switch to a different company and you don’t have to do anything.
When comparing car insurance rates, you will definitely want to include several independent agencies to have the most options to choose from. Many can place coverage with smaller mutual companies that many times have cheaper rates.
The following is a list of independent insurance agents in Scottsdale that may be able to provide free car insurance quotes.
- Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map - Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223 – View Map
Exclusive Agents
Agents of this type can only provide pricing for a single company such as American Family, State Farm, and AAA. They generally cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below is a list of exclusive insurance agents in Scottsdale that can give you rate quotes.
- Athena Olson – State Farm Insurance Agent
8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266 – View Map - Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map - American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map
Choosing an auto insurance agent needs to be determined by more than just a low price. Before buying a policy in Scottsdale, get answers to these questions.
- How many companies do they write for?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have a valid license to sell insurance in Arizona?
- Where would your vehicle be repaired?
- How are claims handled?
- Do they get extra compensation for selling add-on coverages?
Shop around and save
Cheaper Audi A6 insurance in Scottsdale can be found from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not offer internet price quotes and usually these regional insurance providers work with independent agents.
We just covered many ideas to save on Audi A6 insurance in Scottsdale. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable Audi A6 insurance quotes. You may even find the lowest car insurance rates are with a small local company. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as GEICO and State Farm.
How to buy low-cost Audi A6 insurance in Scottsdale
The best way we recommend to find discount car insurance rates is to compare prices once a year from insurers who sell insurance in Scottsdale.
- Read and learn about policy coverages and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates like your driving record and a less-than-favorable credit score can be remedied by making minor changes in your lifestyle.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies. Start a quote
- Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide written notification to your current company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. Be sure to put the proof of insurance paperwork in an easily accessible location in your vehicle.
The critical component of shopping around is that you use the same coverage limits and deductibles on each quote and and to get price quotes from as many carriers as you can. This guarantees a level playing field and the best rate selection.
More detailed auto insurance information is located by following these links:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Veterans in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- What is Gap Insurance? (Insurance Information Institute)