Trying to find cheaper insurance for your Audi A6 in Louisiana can normally be a painful process, but you can learn a few tricks to make it easier.
There are more efficient ways to shop for car insurance and you need to know the quickest way to quote coverages for a new or used Audi and find the lowest price from both online companies and New Orleans agents.
A recent car insurance study revealed that the vast majority of consumers kept buying from the same company for at least the last four years, and nearly half have never even compared quotes to find affordable rates. Louisiana insurance shoppers could save an average of up to 35% each year by just comparing quotes, but they just don’t understand how easy it is to compare rates online.
You need to quote other rates periodically since prices change quite often. Even if you think you had the lowest price on Audi A6 insurance in New Orleans at your last renewal the chances are good that you can find a lower rate quote today. You can search a lot of A6 insurance on the web, but in just a couple of minutes you can learn the easiest ways to save money.
Auto insurance providers offering competitive prices in Louisiana
The providers in the list below have been selected to offer price quotes in New Orleans, LA. In order to find cheaper auto insurance in Louisiana, we suggest you compare several of them to find the lowest auto insurance rates.
Coverage information
The data table shown below outlines detailed analysis of coverage prices for Audi A6 models. Understanding how insurance prices are determined can be useful when making smart choices when comparing insurance quotes.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
A6 3.2 Premium 4-Dr Sedan | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
A6 3.2 Premium Plus 4-Dr Sedan | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
A6 3.0 Quattro Premium 4-Dr Sedan | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
A6 3.0 Quattro Premium Plus 4-Dr Sedan | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
A6 3.0 Quattro Premium Station Wagon | $308 | $584 | $394 | $24 | $118 | $1,428 | $119 |
A6 3.0 Quattro Premium Plus Station Wagon | $308 | $584 | $394 | $24 | $118 | $1,428 | $119 |
A6 3.0 Quattro Prestige 4-Dr Sedan | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
A6 3.0 Quattro Prestige Station Wagon | $308 | $584 | $394 | $24 | $118 | $1,428 | $119 |
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $336 | $652 | $464 | $28 | $140 | $1,620 | $135 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can raise or lower rates greatly.
Where to set your deductibles
The hardest decision when buying coverage is what deductibles to buy. The following tables outline the differences in price between low and high physical damage deductibles. The first data table uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
A6 3.2 Premium 4-Dr Sedan | $498 | $928 | $464 | $28 | $140 | $2,083 | $174 |
A6 3.2 Premium Plus 4-Dr Sedan | $498 | $928 | $464 | $28 | $140 | $2,083 | $174 |
A6 3.0 Quattro Premium 4-Dr Sedan | $498 | $928 | $464 | $28 | $140 | $2,083 | $174 |
A6 3.0 Quattro Premium Plus 4-Dr Sedan | $498 | $928 | $464 | $28 | $140 | $2,083 | $174 |
A6 3.0 Quattro Premium Station Wagon | $498 | $928 | $394 | $24 | $118 | $1,987 | $166 |
A6 3.0 Quattro Premium Plus Station Wagon | $498 | $928 | $394 | $24 | $118 | $1,987 | $166 |
A6 3.0 Quattro Prestige 4-Dr Sedan | $498 | $928 | $464 | $28 | $140 | $2,083 | $174 |
A6 3.0 Quattro Prestige Station Wagon | $498 | $928 | $394 | $24 | $118 | $1,987 | $166 |
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $544 | $1036 | $464 | $28 | $140 | $2,237 | $186 |
Get Your Own Custom Quote Go |
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
A6 3.2 Premium 4-Dr Sedan | $404 | $748 | $464 | $28 | $140 | $1,784 | $149 |
A6 3.2 Premium Plus 4-Dr Sedan | $404 | $748 | $464 | $28 | $140 | $1,784 | $149 |
A6 3.0 Quattro Premium 4-Dr Sedan | $404 | $748 | $464 | $28 | $140 | $1,784 | $149 |
A6 3.0 Quattro Premium Plus 4-Dr Sedan | $404 | $748 | $464 | $28 | $140 | $1,784 | $149 |
A6 3.0 Quattro Premium Station Wagon | $404 | $748 | $394 | $24 | $118 | $1,688 | $141 |
A6 3.0 Quattro Premium Plus Station Wagon | $404 | $748 | $394 | $24 | $118 | $1,688 | $141 |
A6 3.0 Quattro Prestige 4-Dr Sedan | $404 | $748 | $464 | $28 | $140 | $1,784 | $149 |
A6 3.0 Quattro Prestige Station Wagon | $404 | $748 | $394 | $24 | $118 | $1,688 | $141 |
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $442 | $836 | $464 | $28 | $140 | $1,910 | $159 |
Get Your Own Custom Quote Go |
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in New Orleans location which can influence rates substantially.
Based on these figures, using a $250 deductible will cost you about $26 more each month or $312 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 10 months between claims, you would probably be better off if you decide on a higher deductible.
Calculation for determining deductible levels
Average monthly premium for $250 deductibles: | $173 |
Average monthly premium for $500 deductibles (subtract): | – $147 |
Monthly savings from raising deductible: | $26 |
Difference between deductibles ($500 – $250): | $250 |
Divide difference by monthly savings: | $250 / $26 |
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One thing to be aware of is that a higher deductible means you will have to cover more of the damage yourself at claim time. It will be required that you have some non-essential savings in the event you need to pay the deductible.
Impact of careless driving on car insurance rates
The diagram below demonstrates how traffic citations and accident claims can impact Audi A6 yearly insurance costs for different insured age categories. The costs are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Full coverage rates vs. liability-only
The information below illustrates the difference between Audi A6 auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
When to stop buying full coverage
There is no definitive formula of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your Audi A6 replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your deductible. If premium cost is more than $600 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
New Orleans insurance discounts for an Audi A6
Car insurance companies don’t always publicize every possible discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on insurance.
- ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
- No Claim Discounts – Good drivers with no accidents pay less when compared with accident-prone drivers.
- Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy life insurance from them.
- 55 and Retired – Seniors can possibly qualify for a discount up to 10%.
- Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy could earn a price break for each car.
- Fewer Miles Equal More Savings – Driving fewer miles could earn better prices on cars that stay parked.
- Memberships – Belonging to a qualifying organization is a simple method to lower premiums on your policy.
Drivers should understand that some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below shows the comparison of Audi A6 car insurance costs with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, Louisiana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, marriage, safe-driver, and claim-free discounts applied.
A few popular companies and their offered discounts are shown below.
- State Farm offers discounts including multiple policy, defensive driving training, accident-free, Steer Clear safe driver discount, good driver, and Drive Safe & Save.
- American Family may offer discounts for good driver, early bird, multi-vehicle, air bags, and TimeAway discount.
- GEICO may include discounts for multi-vehicle, good student, military active duty, membership and employees, and air bags.
- 21st Century discounts include defensive driver, homeowners, automatic seat belts, theft prevention, and 55 and older.
- Progressive policyholders can earn discounts including online quote discount, homeowner, online signing, multi-vehicle, multi-policy, good student, and continuous coverage.
When quoting, ask each insurance company which discounts can lower your rates. Savings might not be offered in New Orleans. To find insurance companies that offer many of these discounts in New Orleans, follow this link.
Auto insurance quotes from local New Orleans insurance agents
Some people prefer to get advice from a local agent and that can be a great decision Professional agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing auto insurance online is that you can find cheap rate quotes but also keep your business local. Buying insurance from small agencies is definitely important in New Orleans.
To make it easy to find an agent, after completing this simple form, your insurance data is emailed to agents in your area that can provide free New Orleans car insurance quotes to get your business. There is no need to do any legwork because prices are sent instantly to you. If you need to compare prices for a specific company, feel free to search and find their rate quote page and complete a quote there.
Multiple types of car insurance agents in New Orleans
If you’re trying to find an insurance agent, it’s helpful to know the different types of agencies and how they are distinctly different. Auto insurance agents can either be exclusive or independent. Both types of agents can provide auto insurance policies, but we need to point out why they differ since it can affect the kind of agent you use.
Independent Auto Insurance Agents
Agents of this type often have affiliation with several companies so they can insure your vehicles with an assortment of companies depending on which coverage is best. To move your coverage to a new company, they simply move your policy to a different company and you don’t have to do anything.
If you need lower rates, we recommend you include price quotes from several independent agencies so that you have a good selection of quotes to compare. Most independent agents also contract with smaller regional carriers which can be an advantage.
Shown below is a list of independent agencies in New Orleans that may be able to give free price quotes.
- Southern Insurance Agency, LLC
725 Magazine St E – New Orleans, LA 70130 – (504) 528-9242 – View Map - Integra Insurance in Baton Rouge, Shreveport and New Orleans | Texas and Louisiana Insurance Agents
2750 Lake Villa Dr #305 – Metairie, LA 70002 – (877) 969-3026 – View Map - Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202 – New Orleans, LA 70124 – (504) 486-7441 – View Map
Exclusive Auto Insurance Agencies
Agents of this type have only one company to place business with and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are well schooled in insurance sales which can be an advantage. Consumers often use the same exclusive agent partially due to the brand and solid financial strength.
Below is a short list of exclusive insurance agents in New Orleans that can give you price quote information.
- Josh Lorando – State Farm Insurance Agent
4200 Canal St c – New Orleans, LA 70119 – (504) 488-0001 – View Map - Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map - Alan Jackson – State Farm Insurance Agent
7045 Read Blvd Ste 108 – New Orleans, LA 70127 – (504) 241-6799 – View Map
Finding the right insurance agent shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Does the agency support the community they serve?
- Does the agency provide any after hours assistance?
- Do they have cheaper tiers of coverage?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will you get a loaner vehicle if you car is being repaired?
- Does the agent recommend any additional coverage?
- What discounts might you be missing?
- Are they involved in claim handling?
Find affordable rates by being thorough
We just presented a lot of information how to save on Audi A6 insurance in New Orleans. It’s most important to understand that the more you quote New Orleans car insurance, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the most savings is with a small mutual company.
Consumers leave their current company for many reasons like questionable increases in premium, policy cancellation, policy non-renewal or high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company is less work than it seems.
While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.
How to find cheaper quotes for Audi A6 insurance in New Orleans
The best way we recommend to get more affordable Audi A6 insurance is to compare quotes annually from insurance carriers that insure vehicles in New Orleans.
First, try to comprehend how insurance works and the changes you can make to prevent expensive coverage. Many factors that are responsible for high rates such as your driving record and an unacceptable credit score can be improved by making minor changes in your lifestyle.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
Third, compare the price quotes to your current policy to see if you can save by switching companies. If you can save money and change companies, make sure there is no lapse in coverage.
One key aspect of rate comparisons is to try to use the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from all possible companies. This guarantees a fair rate comparison and a good representation of prices.
Additional articles
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- What Insurance is Cheapest for Good Drivers in New Orleans? (FAQ)
- How Much is Auto Insurance for a Honda CR-V in New Orleans? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in New Orleans? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in New Orleans? (FAQ)
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- What Auto Insurance is Cheapest for a Mazda CX-7 in New Orleans? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What is Gap Insurance? (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)