Affordable Insurance for an Audi A6 in New Orleans

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.

Discount Audi A6 insuranceA 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.


Audi A6 Insurance Rates in New Orleans, LA
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
Get Your Own Custom Quote Go

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.


Audi A6 insurance rates with $250 deductibles
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

Audi A6 insurance rates with $500 deductibles
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.

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.

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.

View more New Orleans agents

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.

View more New Orleans agents

Finding the right insurance agent shouldn’t rely on just the quoted price. These are some valid questions you should ask.

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.

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