If you are a novice to online auto insurance shopping, there’s a good chance you are baffled by the crazy number of insurance providers all offering big savings in Fort Wayne.
A recent survey discovered that nearly 70% of customers have stayed with the same insurance company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. With the average auto insurance premium being $1,847, U.S. drivers can cut their rates by 47% a year by just comparing rate quotes, but they don’t understand how simple it is to shop around.
If you are paying for car insurance now, you stand a good chance to be able to buy cheaper car insurance using the techniques presented in this article. This article’s intent is to introduce you to the best way to quote coverages and also save some money in the process But Indiana consumers must learn how companies market on the web and use this information to your advantage.
Companies offering low-cost Audi A6 rate quotes in Fort Wayne, IN
The auto insurance companies shown below can provide comparison quotes in Fort Wayne, IN. In order to find the cheapest auto insurance in Indiana, we recommend you visit as many as you can to get the most affordable price.
Audi A6 insurance rates and statistics
The rate information displayed next highlights different rate quotes for Audi A6 models. Understanding how insurance policy premiums are calculated can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $328 | $770 | $340 | $20 | $102 | $1,560 | $130 |
| A6 3.2 Premium Plus 4-Dr Sedan | $328 | $770 | $340 | $20 | $102 | $1,560 | $130 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $328 | $770 | $340 | $20 | $102 | $1,560 | $130 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $328 | $770 | $340 | $20 | $102 | $1,560 | $130 |
| A6 3.0 Quattro Premium Station Wagon | $328 | $770 | $288 | $18 | $86 | $1,490 | $124 |
| A6 3.0 Quattro Premium Plus Station Wagon | $328 | $770 | $288 | $18 | $86 | $1,490 | $124 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $328 | $770 | $340 | $20 | $102 | $1,560 | $130 |
| A6 3.0 Quattro Prestige Station Wagon | $328 | $770 | $288 | $18 | $86 | $1,490 | $124 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $358 | $860 | $340 | $20 | $102 | $1,680 | $140 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can impact insurance rates noticeably.
Physical damage deductibles
The hardest decision when buying coverage is how high should your deductibles be. The figures shown below may aid in understanding the premium difference when you choose different policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $300 | $562 | $280 | $16 | $84 | $1,267 | $106 |
| A6 3.2 Premium Plus 4-Dr Sedan | $300 | $562 | $280 | $16 | $84 | $1,267 | $106 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $300 | $562 | $280 | $16 | $84 | $1,267 | $106 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $300 | $562 | $280 | $16 | $84 | $1,267 | $106 |
| A6 3.0 Quattro Premium Station Wagon | $300 | $562 | $238 | $14 | $72 | $1,211 | $101 |
| A6 3.0 Quattro Premium Plus Station Wagon | $300 | $562 | $238 | $14 | $72 | $1,211 | $101 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $300 | $562 | $280 | $16 | $84 | $1,267 | $106 |
| A6 3.0 Quattro Prestige Station Wagon | $300 | $562 | $238 | $14 | $72 | $1,211 | $101 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $328 | $626 | $280 | $16 | $84 | $1,359 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $186 | $352 | $280 | $16 | $84 | $918 | $77 |
| A6 3.2 Premium Plus 4-Dr Sedan | $186 | $352 | $280 | $16 | $84 | $918 | $77 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $186 | $352 | $280 | $16 | $84 | $918 | $77 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $186 | $352 | $280 | $16 | $84 | $918 | $77 |
| A6 3.0 Quattro Premium Station Wagon | $186 | $352 | $238 | $14 | $72 | $862 | $72 |
| A6 3.0 Quattro Premium Plus Station Wagon | $186 | $352 | $238 | $14 | $72 | $862 | $72 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $186 | $352 | $280 | $16 | $84 | $918 | $77 |
| A6 3.0 Quattro Prestige Station Wagon | $186 | $352 | $238 | $14 | $72 | $862 | $72 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $204 | $394 | $280 | $16 | $84 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in Fort Wayne location which can decrease or increase prices significantly.
Based on this data, using a $250 deductible will cost you roughly $29 more each month or $348 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 26 months between claim filings, you would save more money if you choose the higher deductible.
The example below illustrates how your choice of deductibles and can change Audi A6 insurance premiums for different age groups. The information is based on a single female driver, full coverage, and no additional discounts are factored in.
Impact of speeding/accidents on car insurance rates
The illustration below demonstrates how traffic citations and accidents can increase Audi A6 insurance premiums for different categories of driver ages. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Liability only or full coverage
The diagram below illustrates the comparison of Audi A6 annual premium costs with and without full coverage. The rates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no policy discounts are applied.
When to drop full coverage
There is no clear-cut formula that works best for making the decision to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s assume your Audi A6 book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some circumstances where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Why You Might Pay Higher Rates in Fort Wayne
Many things are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are less obvious like where you live or how financially stable you are.
The following are some of the most common factors used by your company to calculate your rates.
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Costs also based on gender – Statistics demonstrate that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Both genders have fender benders at a similar rate, but the men cause more damage. Men also statistically receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore are the most expensive to insure.
The example below illustrates the difference between Audi A6 car insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no other discounts are factored in.
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Youthful drivers cost more – Drivers with little experience are statistically proven to get distracted easily behind the wheel so insurance rates are higher. Adding a youthful driver to your policy can break the bank. More mature drivers are viewed as being more responsible, cost insurance companies less in claims, and receive fewer citations.
The following chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Allowing your policy to lapse raises insurance rates – Allowing your insurance policy to lapse is a quick way to drive up your policy premiums. And not only will your rates increase, not being able to provide proof of insurance could result in fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the Indiana motor vehicle department to get your license reinstated.
- Consolidate policies to earn discounts – Most major insurance companies will award discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates.
- Liability coverage is cheap – The liability coverage on your policy will provide protection when a court rules you are at fault for damages caused by your negligence. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
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Audi A6 insurance loss probability – Insurance companies use statistical claims data to calculate a price that will offset any claims. Models that statistically have a trend towards higher claims will cost more for coverage. The information below illustrates the loss history for Audi A6 vehicles.
For each coverage type, the loss probability for all vehicles combined as an average is a value of 100. Numbers under 100 represent a good loss history, while numbers above 100 indicate more frequent losses or an increased likelihood of larger losses.
Audi A6 Insurance Claim Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A6 4dr 2WD 146 112 134 Audi A6 4dr 4WD 153 70 155 53 55 59 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Fort Wayne insurance discounts for an Audi A6
Some companies don’t always list the entire discount list in an easy-to-find place, so we break down some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Fort Wayne car insurance online.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
- Memberships – Having an affiliation with a qualifying organization may earn a discount when shopping for auto insurance.
- Driver Safety – Successfully completing a class that teaches driver safety techniques could cut 5% off your bill depending on where you live.
- Payment Method – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
- E-sign Discounts – A handful of auto insurance companies may give you up to $50 simply for signing on the internet.
- Discount for Low Mileage – Keeping the miles down on your Audi can earn cheaper prices.
- Multi-car Discount – Buying a policy with multiple cars on the same auto insurance policy can get a discount on all vehicles.
- Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
We need to note that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, nobody gets a free ride.
The diagram below compares Audi A6 insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, no violations or accidents, Indiana 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 multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
A partial list of companies that may offer quotes with these benefits are:
If you need inexpensive Fort Wayne car insurance quotes, ask every company which discounts they offer. Some discounts listed above may not apply to policyholders in your state. For a list of providers that provide some of the discounts listed above in Indiana, click here to view.
Independent versus exclusive insurance agencies
Some people would prefer to buy from a licensed agent. A nice benefit of comparing rate quotes online is the fact that drivers can get cheaper auto insurance rates and also buy local. Supporting neighborhood agents is important particularly in Fort Wayne.
Upon completion of this form (opens in new window), your insurance data is sent to local insurance agents who will give competitive quotes for your insurance coverage. There is no reason to find an agent as quotes are delivered to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to quote rates from a particular provider, you would need to navigate to their website to submit a rate quote request.
When searching for a reputable insurance agent or broker, you must know there are a couple different types of agents and how they can quote your rates. Car insurance agents in Fort Wayne can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
These agents do not sell for just one brand so as a result can place your coverage through many companies depending on which coverage is best. If they find a lower price, the agent simply finds a different carrier and you don’t have to find a new agent.
When searching for an agent, you will want to include a couple of independent agencies to have the best price comparison. Most also have access to small mutual carriers which can save you money.
Featured below is a short list of independent insurance agents in Fort Wayne that can possibly get you pricing information.
- Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map - Hoch Insurance Inc
209 E Washington Center Rd – Fort Wayne, IN 46825 – (260) 471-7555 – View Map - Northern Insurance
7113 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 969-5613 – View Map
Exclusive Agents
Agents that choose to be exclusive work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on their company’s products and that allows them to sell at a higher price point. Drivers often choose to use an exclusive agent partially due to high brand loyalty rather than having low rates.
Listed below is a list of exclusive insurance agencies in Fort Wayne who can help you get price quote information.
- Allstate Insurance: Jeffrey W Griggs
4340 Maplecrest Rd – Fort Wayne, IN 46815 – (260) 486-3883 – View Map - Farmers Insurance – Larry Elliott
7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map - Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map
Finding the right insurance agent should include more criteria than just a low price. Here are some questions you should ask.
- Where would your vehicle be repaired?
- Does their agency support local causes in Fort Wayne?
- Which companies can they place coverage with?
- Are they involved in claim handling?
- Will your rates increase after a single accident?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they offer claims assistance after hours?
- How long have they been in business?
Which auto insurance company is best in Fort Wayne?
Picking a good quality car insurance company can be difficult considering how many companies there are in Indiana. The information shown next can help you pick which insurers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Everyone needs different auto insurance coverages
Always remember that when buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that.
For example, these questions can help discover whether you would benefit from professional advice.
- How much can I save by bundling my policies?
- Do I have coverage when making deliveries for my home business?
- Does coverage follow the driver or the vehicle?
- Is motorclub coverage worth it?
- Does rental coverage apply when I am renting a car?
- When should I have rental car coverage?
- Are my tools covered if they get stolen from my vehicle?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
A little work can save a LOT of money
In this article, we presented quite a bit of information on how to get a better price on Audi A6 insurance in Fort Wayne. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies. They can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.
When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage to discover at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
Steps to finding cheaper rates for Audi A6 insurance in Fort Wayne
Truthfully, the best way to find cheaper quotes for car insurance rates is to do an annual price comparison from insurers in Fort Wayne.
Step 1: It will benefit you to learn about car insurance and the things you can control to keep rates low. Many rating criteria that cause high rates such as tickets, at-fault accidents, and a lousy credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple sources. Compare rates now
Step 3: Compare the quotes to your existing rates and see if you can save money. If you can save money, verify that coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current coverage. Submit a down payment along with a completed application to the newly selected company. Immediately keep your new certificate of insurance with your vehicle’s registration.
The most important part of shopping around is to use similar coverage information on each price quote and and to look at as many auto insurance providers as possible. Doing this enables a fair rate comparison and the best price selection.
Additional resources
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has the Cheapest Car Insurance for a Chevrolet Silverado in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance for Low Credit Scores in Fort Wayne? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)