Cheap Quotes for Audi A6 Insurance in Jacksonville

How long have you put off shopping around for cheaper Audi A6 insurance in Jacksonville? If you are a novice to online car insurance shopping, you can easily be overwhelmed by the large number of online companies all claiming to save you money.

Unimaginable but true, most drivers have bought car insurance from the same company for over three years, and roughly 40% of drivers have never quoted car insurance rates at all. Many consumers in Florida could save 55% each year just by getting comparison quotes, but they think it’s difficult to go online and compare rates.

If you already have coverage, you should be able to reduce premiums using the concepts you’re about to learn. This article’s goal is to teach you a little about the best way to quote coverages and how you can save the most money. But Florida drivers need to have an understanding of how insurance companies determine prices and apply this information to your search.

Just remember that obtaining a wide range of quotes will increase your chances of finding more affordable rates. Some smaller insurers do not give Jacksonville A6 insurance quotes over the internet, so you should also compare price quotes from the smaller companies as well.

The following companies have been selected to offer comparison quotes in Jacksonville, FL. If several companies are displayed, we recommend you click on several of them to get the best price comparison.

Three reasons to not skimp on car insurance

Even though it’s not necessarily cheap to insure an Audi in Jacksonville, buying car insurance is a good idea for several reasons.

First, most states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability coverage in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your car with a loan, more than likely the lender will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Audi at a much higher premium rate and force you to reimburse them the higher premium.

Third, car insurance protects your Audi A6 and your assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Audi gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying enough insurance greatly outweigh the cost, especially with large liability claims. On average, a vehicle owner in Jacksonville is currently overpaying as much as $810 a year so smart consumers compare quotes at every policy renewal to help ensure money is not being wasted.

Insurance coverage details

The rate information shown next showcases different policy rates for Audi A6 models. Being more informed about how insurance premiums are calculated can help customers make smart choices when buying a policy.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can change price quotes noticeably.

Physical damage deductibles: Should you raise them?

One common question asked by Jacksonville drivers is how high should the deductibles for physical damage be. The comparisons below summarize the differences in price when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in Jacksonville location which can change price quotes significantly.

Based on the figures above, using a $100 deductible costs approximately $41 more each month or $492 every year than buying the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 10 months between claims, you would most likely save money if you decide on a higher deductible.

The example below illustrates how choosing a deductible and can affect Audi A6 insurance premiums for each different age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Annual premiums comparing men and women

The chart below shows the difference between Audi A6 auto insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Do you need full coverage?

The information below shows the difference between Audi A6 auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.

When to drop full coverage

There is no set guideline of when to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi A6 book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Insurance rates and discounts

Car insurance companies don’t always list all possible discounts in an easy-to-find place, so the following list contains both the well known and also the more inconspicuous credits that may apply to you.

• Responsible Driver Discounts – Safe drivers can save as much as half off their rates compared to accident prone drivers.
• Anti-lock Brake Discount – Cars with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
• Discounts for Government Workers – Federal government employees can earn a discount up to 10% with a few insurance companies.
• Student in College – Older children who attend college more than 100 miles from Jacksonville and don’t have a car could get you a discount.
• Discount for Life Insurance – Some companies give lower rates if you buy some life insurance too.
• Auto/Home Discount – When you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you the cheapest Audi A6 insurance in Jacksonville.
• Online Discount – A few larger online companies will provide an incentive for buying a policy and signing up online.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on medical payment and PIP coverage.
• Multi-car Discount – Purchasing coverage when you have all your vehicles with the same insurance company could earn a price break for each car.

A quick disclaimer, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

The information below shows the comparison of Audi A6 insurance premiums with and without some available policy discounts. The prices are based on a female driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.

Some of the larger companies that may have these money-saving discounts may include but are not limited to:

• GEICO
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

When comparing rates, check with every insurance company to give you their best rates. Some discounts may not be offered in Jacksonville. To choose providers who offer cheap Audi A6 insurance quotes in Florida, click here to view.