Would you like to stop wasting money and find more competitive Audi A6 insurance in Baltimore? Paying for high-priced Audi A6 insurance in Baltimore can empty your personal savings and force you to tighten up your finances. Comparing rates annually is a fast and free way to make sure you’re not throwing money away.
It’s well known that car insurance companies want to keep you from comparing rates. Insureds who shop around annually are likely to switch to a new company because there is a good probability of finding a policy with more affordable rates. Remarkably, a study showed that consumers who routinely shopped for cheaper coverage saved as much as $860 a year compared to other drivers who never shopped around.
If finding the lowest price on Audi A6 insurance is why you’re here, understanding how to choose a company and compare coverage rates can help simplify the process.
How to find the cheapest rates for Audi A6 insurance in Baltimore
If saving money is your primary concern, then the best way to find lower priced Audi A6 insurance is to compare prices at least once a year from different companies in Baltimore.
- Read about the different coverages in a policy and the things you can change to prevent rate increases. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and a less-than-favorable credit history can be eliminated by making minor changes in your lifestyle.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can provide price quotes for many different companies.
- Compare the new rate quotes to your existing policy to see if cheaper A6 coverage is available in Baltimore. If you can save money and buy the policy, make sure coverage does not lapse between policies.
The key thing to remember is to compare identical coverages on every quote and to quote with every insurance company. This helps ensure a fair rate comparison and a complete price analysis.
You have so many insurance companies to pick from, and although it’s nice to have multiple companies, it makes it harder to compare company pricing for Audi A6 insurance in Baltimore.
Do you qualify for discounts on Audi A6 insurance in Baltimore?
Some providers don’t always advertise all their discounts in a way that’s easy to find, so we break down a few of the more well known and the harder-to-find credits that may apply to you.
- Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Student Discounts – Getting good grades may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Auto/Home Discount – When you combine your home and auto insurance and place coverage with the same company you may earn as much as 10 to 15 percent.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
- Discounts for New Vehicles – Buying coverage on a new vehicle can be considerably cheaper because newer models keep occupants safer.
A quick disclaimer, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.
The illustration below shows the comparison of Audi A6 insurance costs with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Maryland state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.
Auto insurance companies that may offer quotes with some of the discounts shown above may include but are not limited to:
Check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in Baltimore.
All major car insurance companies like 21st Century, Allstate and State Farm give prices direct online. Getting quotes for Audi A6 insurance in Baltimore is very simple as you just enter your coverage preferences on the page. After you complete the form, the company’s rating system obtains information on your driving record and credit history and provides a quote based on these and other factors. This makes it simple to compare prices and it is imperative to do this if you want to find lower-cost prices.
If you want to find out how much you can save on car insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend you enter coverages and limits as close as possible to your current policy. Doing this assures you are getting comparison quotes based on the exact same insurance coverage.
The companies in the list below provide free quotes in Baltimore, MD. In order to find cheap auto insurance in Maryland, we recommend you visit as many as you can in order to get a fair rate comparison.
Auto insurance statistics for an Audi A6
The data table shown below outlines detailed analysis of prices for Audi A6 models. Being able to understand how policy premiums are figured can be of help when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,798 | $150 |
| A6 3.2 Premium Plus 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,798 | $150 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,798 | $150 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,798 | $150 |
| A6 3.0 Quattro Premium Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,716 | $143 |
| A6 3.0 Quattro Premium Plus Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,716 | $143 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,798 | $150 |
| A6 3.0 Quattro Prestige Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,716 | $143 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $476 | $906 | $406 | $24 | $122 | $1,934 | $161 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific location which can influence prices significantly.
Physical damage deductibles
When buying auto insurance, a common question is what deductibles to buy. The tables below lay out how much more rates are when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,823 | $152 |
| A6 3.2 Premium Plus 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,823 | $152 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,823 | $152 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,823 | $152 |
| A6 3.0 Quattro Premium Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,741 | $145 |
| A6 3.0 Quattro Premium Plus Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,741 | $145 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $434 | $812 | $406 | $24 | $122 | $1,823 | $152 |
| A6 3.0 Quattro Prestige Station Wagon | $434 | $812 | $346 | $20 | $104 | $1,741 | $145 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $476 | $906 | $406 | $24 | $122 | $1,959 | $163 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $354 | $654 | $406 | $24 | $122 | $1,560 | $130 |
| A6 3.2 Premium Plus 4-Dr Sedan | $354 | $654 | $406 | $24 | $122 | $1,560 | $130 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $354 | $654 | $406 | $24 | $122 | $1,560 | $130 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $354 | $654 | $406 | $24 | $122 | $1,560 | $130 |
| A6 3.0 Quattro Premium Station Wagon | $354 | $654 | $346 | $20 | $104 | $1,478 | $123 |
| A6 3.0 Quattro Premium Plus Station Wagon | $354 | $654 | $346 | $20 | $104 | $1,478 | $123 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $354 | $654 | $406 | $24 | $122 | $1,560 | $130 |
| A6 3.0 Quattro Prestige Station Wagon | $354 | $654 | $346 | $20 | $104 | $1,478 | $123 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $386 | $730 | $406 | $24 | $122 | $1,668 | $139 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in Baltimore location which can influence coverage rates significantly.
We can estimate from the data above that using a $250 deductible will cost you approximately $22 more each month or $264 annually than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 11 months between claims, you would more than likely save some money if you elect the higher deductible. The table below shows an example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $151 |
| Average monthly premium for $500 deductibles (subtract): | – $129 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 11 months |
One thing to note is that a higher deductible means you will have to pay more of your own money at claim time. You need to have enough extra money in the event you have to pay the higher deductible.
Men versus women drivers and insurance cost
The chart below illustrates the difference between Audi A6 insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.
Audi A6 full coverage rates compared to liability only
The chart below shows the difference between Audi A6 insurance costs with full coverage and liability only. The information is based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no set rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Audi A6 settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after you pay the deductible. If it’s costing you more than $700 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
You are unique and your auto insurance should be too
When selecting coverage, there isn’t really a one-size-fits-all type of policy. You are unique and your auto insurance should be unique as well.
For instance, these questions can help discover whether or not you might need professional guidance.
- Is my cargo covered for damage or theft?
- Can I still get insurance after a DUI?
- Why do I have to buy liability insurance?
- Is water damage covered by my policy?
- Can I get a multi-policy discount?
- Am I covered if I drive in a foreign country?
- What vehicles should carry emergency assistance coverage?
- Am I missing any policy discounts?
- What is the premium to book value ratio for dropping full coverage?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Exclusive versus independent insurance agencies
A lot of people would rather sit down and talk to an agent and that is recommended in a lot of cases A good thing about getting online price quotes is that you can obtain lower rates but also keep your business local.
To help locate an agent, after submitting this quick form, your coverage information is submitted to local insurance agents that give free quotes to get your business. It simplifies rate comparisons since you won’t have to contact any agents since price quotes are sent directly to your email. You’ll get the best rates AND an agent nearby. If you want to quote rates from a particular provider, you can always navigate to their website and submit a quote form there.
Deciding on an company requires you to look at more than just a cheap price quote. A good agent in Baltimore will have answers to these questions.
- Does the company allow you to choose your own collision repair facility?
- What are the financial ratings for the companies they represent?
- Can glass repairs be made at your home?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What are their preferred companies if they are an independent agency?
- How often do they review coverages?
- Did they already check your driving record and credit reports?
- Is vehicle mileage a factor when determining depreciation for repairs?
After receiving reasonable responses to any questions you may have as well as an affordable premium quote, it’s a good possibility that you have found an provider that can provide insurance coverage. But remember, consumers can cancel a policy for any reason so never feel you are locked into a specific agent for the entire policy term.
Ratings for Baltimore car insurance companies
Selecting a high-quality insurer can be challenging considering how many different companies insure vehicles in Maryland. The company rank data in the next section could help you choose which providers you want to consider when shopping around.
Top 10 Baltimore Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Auto insurance coverages
Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.
Collision – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your A6 to bring the cost down.
Coverage for liability – Liability insurance can cover damage or injury you incur to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 30/60/15 which stand for a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $15,000.
Liability coverage protects against things such as pain and suffering, loss of income and court costs. How much liability should you purchase? That is your choice, but buy higher limits if possible. Maryland state minimum liability requirements are 30/60/15 but you should consider buying more liability than the minimum.
The next chart shows why minimum state limits may not be enough coverage.
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (30/60/15), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, doctor visits, EMT expenses, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Do the work, save more money
We’ve covered a lot of information how to reduce Audi A6 insurance premium rates online in Baltimore. The key concept to understand is the more you quote Baltimore auto insurance, the better your comparison will be. You may even find the lowest premium rates are with an unexpected company. Regional companies can often provide lower prices in certain areas than their larger competitors like State Farm or Progressive.
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.
Some insurance companies do not offer online rate quotes and usually these smaller providers work with independent agents. Low-cost Audi A6 insurance in Baltimore is available on the web as well as from independent agents in Baltimore, and you need to price shop both so you have a total pricing picture.
How to quote cheaper Audi A6 insurance in Baltimore
The most effective way to get discount car insurance rates in Baltimore is to compare prices once a year from insurance carriers in Maryland. You can compare prices by following these steps.
- Step 1: Try to understand how your policy works and the measures you can control to keep rates in check. Many policy risk factors that drive up the price like traffic citations, accidents, and poor credit history can be rectified by paying attention to minor details.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple companies.
- Step 3: Compare the new rates to your current policy to determine if switching companies saves money. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current auto insurance policy. Submit a signed application and payment to your new agent or company. Once coverage is bound, place the new proof of insurance certificate in your glove compartment.
One key aspect when comparing rates is that you use identical deductibles and limits on each price quote and and to get prices from as many companies as feasibly possible. Doing this ensures an accurate price comparison and the best price quote selection.
Additional insurance information is located below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Affordable Baltimore Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Uber Drivers in Baltimore? (FAQ)
- What Auto Insurance is Cheapest for Teachers in Baltimore? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Under 21 in Baltimore? (FAQ)
- How Much are Baltimore Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Teen Driving Statistics (GEICO)
- What is Gap Insurance? (Insurance Information Institute)