Save Money on Audi A6 Insurance in Lexington

Regrettably, over 70% of drivers kept their policy with the same company for four years or more, and nearly 40% of drivers have never compared rate quotes at all. Lexington insurance shoppers could cut their rates by up to $600 a year just by comparing rates, but they don’t know how much they could save if they switched to a more affordable policy.

Truthfully, the best way to find cheaper quotes for car insurance rates is to start doing an annual price comparison from different companies that insure vehicles in Lexington.

• Step 1: Try to comprehend how insurance companies determine prices and the steps you can take to keep rates in check. Many rating factors that increase rates like multiple speeding tickets and a not-so-good credit history can be amended by making lifestyle changes or driving safer. Read the full article for more ideas to help reduce prices and find additional discounts.
• Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers.
• Step 3: Compare the price quotes to your current policy premium and determine if there is any savings. If you can save money, make sure there is no coverage gap between policies.

A valuable tip to remember is to make sure you enter the same coverage limits and deductibles on every price quote and and to get quotes from as many companies as possible. This helps ensure a level playing field and a complete selection of prices.

Low Cost car insurance in Lexington, KY

The companies in the list below are ready to provide price comparisons in Kentucky. To get cheaper car insurance in Kentucky, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Rates and statistics

The rate table shown below showcases detailed analysis of insurance premium costs for Audi A6 models. Being aware of how insurance policy premiums are established can be useful when making decisions when shopping around.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in specific location which can raise or lower rates significantly.

Where to set your deductibles

The hardest decision when buying coverage is how high should your deductibles be. The tables below highlight the premium difference when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 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 Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in specific garaging location which can alter premium rates greatly.

Based on the figures above, using a $250 deductible will cost you approximately $18 more each month or $216 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 14 months between claim filings, you would probably be better off if you opt for a higher deductible.

One important caveat is that raising deductibles means you will have to pay more of your own money if you have a claim. That will require some funds available in order to pay more to get your vehicle repaired.

The illustration below shows how choosing a deductible and can increase or decrease Audi A6 insurance prices for each different age category. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

How violations and accidents impact rates

The chart below shows how speeding tickets and accident claims can raise Audi A6 auto insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Rate comparison of male drivers versus female drivers

The diagram below visualizes the comparison of Audi A6 auto insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage?

The chart below illustrates the difference between Audi A6 premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no written rule to stop paying for physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping 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 damaged in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If it’s costing you more than $500 annually to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Auto insurance discounts help lower rates for Audi A6 insurance in Lexington

Some companies don’t always advertise every possible discount in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden ways to save on auto insurance.

• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
• Telematics Data – Drivers that enable their company to look at driving patterns through the use of a telematics system such as Progressive’s Snapshot may see discounts if they have good driving habits.
• Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your Lexington auto insurance quote.
• Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy.
• Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease with certain companies.
• College Student Discount – Any of your kids who attend college more than 100 miles from Lexington and won’t have access to an insured vehicle may qualify for this discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.

The information below illustrates the comparison of Audi A6 auto insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no violations or accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts are included below.

• State Farm may offer discounts for accident-free, good student, defensive driving training, multiple policy, and Steer Clear safe driver discount.
• GEICO has savings for seat belt use, emergency military deployment, good student, five-year accident-free, and membership and employees.
• Allstate includes discounts for early signing, farm vehicle, auto/life discount, economy car, and teenSMART discount.
• SAFECO offers discounts including bundle discounts, teen safety rewards, drive less, teen safe driver, anti-theft, and homeowner.
• Farm Bureau may include discounts for good student, youthful driver, 55 and retired, renewal discount, and safe driver.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, continuous coverage, homeowner, good student, and online quote discount.
• AAA offers premium reductions for AAA membership discount, anti-theft, good driver, good student, and pay-in-full.

Before you buy a policy, ask every insurance company how you can save money. Savings may not be offered everywhere. If you would like to see a list of insurers who offer discounts in Lexington, follow this link.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and your car insurance should be unique as well. These are some specific questions can help discover whether you will benefit from professional help.

• Am I covered if I crash into my own garage door?
• Is a new car covered when I drive it off the dealer lot?
• Should I buy more coverage than the required Kentucky minimum liability coverage?
• Are my tools covered if they get stolen from my vehicle?
• What are good deductibles for a Audi A6?
• Does rental coverage apply when I am renting a car?
• Do I have coverage if my license is suspended?
• Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Buying from car insurance agents

Some consumers would prefer to talk to an insurance agent and there is nothing wrong with that. Professional agents will help you protect your assets and give you someone to call. An additional benefit of comparing rates online is the fact that drivers can get lower rates and still have a local agent. And buying from local insurance agents is important particularly in Lexington.

After completing this short form, your insurance coverage information is emailed to insurance agents in Lexington who will give you quotes for your insurance coverage. You never need to visit any agencies since rate quotes are delivered immediately to your email address. If you wish to quote rates for a specific company, you can always find their quoting web page and fill out their quote form.

Finding the right company is decision based upon more than just a low price. These are some questions your agent should answer.

• Do they prorate repair cost based on vehicle mileage?
• Is there a local claims center in Lexington?
• Do they carry Errors and Omissions coverage?
• What is the financial rating for the quoted company?
• What will you get paid if your car is a total loss? How is that amount determined?
• Can you get a list of referrals?
• Which members of your family are coverage by the policy?
• Does the company allow you to choose your own collision repair facility?

If you receive positive responses to any questions you may have as well as an affordable premium quote, it’s possible that you found an provider that meets the requirements to insure your vehicles. It’s important to know that policyholders can cancel coverage whenever you want so never feel you’re contractually obligated to a specific agent for the entire policy term.

What is the best auto insurance company in Kentucky?

Finding the right auto insurance provider is hard considering how many different insurance companies sell coverage in Lexington. The company information below can help you select which companies to look at comparing price quotes from.

Top 10 Lexington Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top 10 Lexington Car Insurance Companies Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Erie Insurance
8. The General
9. Esurance
10. 21st Century

Quote. Compare. Save.

Cost effective Audi A6 insurance is definitely available online and also from your neighborhood Lexington agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not provide internet price quotes and most of the time these smaller companies provide coverage only through independent agents.

In this article, we presented many tips how you can reduce Audi A6 insurance rates online in Lexington. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive Lexington auto insurance quotes. You may even find the lowest rates are with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

For more information, take a look at the following helpful articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has the Cheapest Lexington Car Insurance Rates for Drivers Over Age 50? (FAQ)
• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)