Cheap Portland Audi A6 Insurance

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Amazingly, over 70% of consumers have been with the same company for at least the last four years, and just under half have never shopped around. The average driver in the United States could pocket almost 47% a year by just shopping around, but they just don't want to compare rates and save money.

Insurance rates Audi A6 in PortlandIt takes a little time, but the best way to get low-cost Audi A6 insurance is to regularly compare price quotes from insurers who provide car insurance in Portland. Prices can be compared by completing these steps.

  1. Try to learn a little about how car insurance works and the things you can change to keep rates low. Many factors that result in higher prices such as accidents, careless driving, and an imperfect credit history can be eliminated by making minor driving habit or lifestyle changes.
  2. Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agents can quote rates from multiple companies.
  3. Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.

One important bit of advice is that you'll want to compare identical limits and deductibles on each price quote and and to get quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and maximum price selection.

Most companies provide prices for coverage direct online. Comparing Audi A6 insurance rates online is easy for anyone as all you need to do is type in the coverages you want on the page. After you submit the form their rating system orders credit information and your driving record and returns a price quote based on the data you entered. This simplifies rate comparisons, and it's very important to have as many quotes as possible in order to find affordable prices.

In order to find out how much you're overpaying now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This way, you will be getting a price comparison for similar insurance coverage.

The following companies are ready to provide price comparisons in Portland, OR. To find the cheapest car insurance in Oregon, we suggest you visit as many as you can to get the most competitive price.

Here's why auto insurance is not optional

Despite the potentially high cost of Audi A6 insurance, auto insurance is most likely required but also gives you several important benefits.

  • Just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance coverage if you want to drive legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
  • If you bought your Audi A6 with a loan, almost all lenders will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Audi for a lot more money and make you pay for the expensive policy.
  • Auto insurance protects not only your Audi but also your financial assets. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having auto insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $820 a year so it's very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.

Audi A6 coverage analysis

The rate table displayed next outlines a range of policy rates for Audi A6 models. Learning as much as possible about how insurance rates are established can be useful when making smart choices when purchasing an auto insurance policy.

Audi A6 Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $336 $734 $386 $22 $116 $1,594 $133
A6 3.2 Premium Plus 4-Dr Sedan $336 $734 $386 $22 $116 $1,594 $133
A6 3.0 Quattro Premium 4-Dr Sedan $336 $734 $386 $22 $116 $1,594 $133
A6 3.0 Quattro Premium Plus 4-Dr Sedan $336 $734 $386 $22 $116 $1,594 $133
A6 3.0 Quattro Premium Station Wagon $336 $734 $328 $20 $98 $1,516 $126
A6 3.0 Quattro Premium Plus Station Wagon $336 $734 $328 $20 $98 $1,516 $126
A6 3.0 Quattro Prestige 4-Dr Sedan $336 $734 $386 $22 $116 $1,594 $133
A6 3.0 Quattro Prestige Station Wagon $336 $734 $328 $20 $98 $1,516 $126
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $366 $820 $386 $22 $116 $1,710 $143
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Portland which can change auto insurance rates noticeably.

Physical damage deductibles

When buying insurance, a common question is which deductibles should you choose. The tables below can help you understand the cost difference when you select higher and lower deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Audi A6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $382 $762 $320 $18 $96 $1,603 $134
A6 3.2 Premium Plus 4-Dr Sedan $382 $762 $320 $18 $96 $1,603 $134
A6 3.0 Quattro Premium 4-Dr Sedan $382 $762 $320 $18 $96 $1,603 $134
A6 3.0 Quattro Premium Plus 4-Dr Sedan $382 $762 $320 $18 $96 $1,603 $134
A6 3.0 Quattro Premium Station Wagon $382 $762 $272 $16 $82 $1,539 $128
A6 3.0 Quattro Premium Plus Station Wagon $382 $762 $272 $16 $82 $1,539 $128
A6 3.0 Quattro Prestige 4-Dr Sedan $382 $762 $320 $18 $96 $1,603 $134
A6 3.0 Quattro Prestige Station Wagon $382 $762 $272 $16 $82 $1,539 $128
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $416 $850 $320 $18 $96 $1,725 $144
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Audi A6 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $278 $514 $320 $18 $96 $1,226 $102
A6 3.2 Premium Plus 4-Dr Sedan $278 $514 $320 $18 $96 $1,226 $102
A6 3.0 Quattro Premium 4-Dr Sedan $278 $514 $320 $18 $96 $1,226 $102
A6 3.0 Quattro Premium Plus 4-Dr Sedan $278 $514 $320 $18 $96 $1,226 $102
A6 3.0 Quattro Premium Station Wagon $278 $514 $272 $16 $82 $1,162 $97
A6 3.0 Quattro Premium Plus Station Wagon $278 $514 $272 $16 $82 $1,162 $97
A6 3.0 Quattro Prestige 4-Dr Sedan $278 $514 $320 $18 $96 $1,226 $102
A6 3.0 Quattro Prestige Station Wagon $278 $514 $272 $16 $82 $1,162 $97
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $304 $574 $320 $18 $96 $1,312 $109
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location information which can lower or raise auto insurance rates greatly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $32 more each month or $384 each year than quoting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claim filings, you would more than likely save some money going with the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $133
Average monthly premium for $500 deductibles (subtract): - $101
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to note is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. You should have enough disposable income in the event you have to pay the higher deductible.

The information below highlights how deductible selection and can raise or lower Audi A6 insurance costs for different age groups. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.

Full coverage versus liability-only in Portland

The illustration below illustrates the difference between Audi A6 insurance premiums when comparing full coverage to state minimum liability only. The premiums assume a clean driving record, no claims, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Should you be buying full coverage?

There is no specific rule to stop paying for full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Audi A6 replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If it's costing you more than $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you haven't paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Discount Portland insurance rates

Companies that sell car insurance don't always publicize their entire list of discounts very clearly, so we break down a few of the more well known as well as some of the hidden credits that may apply to you.Cheaper insurance with discounts

  • Early Payment Discounts - If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Discount for Swiching Early - Select larger companies give a discount for switching to them before your current coverage expires. It's a savings of about 10%.
  • First Accident Forgiveness - This one is not really a discount per se, but certain companies will let one accident slide without getting socked with a rate hike so long as you haven't had any claims for a specific time period.
  • Discount for Good Grades - Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • No Accidents - Portland drivers who stay claim-free are rewarded with significantly better rates on Portland auto insurance quote in comparison to drivers who are more careless.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more on A6 insurance in Portland.
  • Lower Rates for Military - Being on active duty in the military may lower your insurance rates slightly.

It's important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it just doesn't work that way. Any amount of discount will definitely lower the amount you have to pay.

The chart below illustrates the comparison of Audi A6 premium costs with and without discounts applied to the rates. The costs are based on a female driver, no claims, a clean driving record, Oregon state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, marriage, and claim-free discounts applied.

A few popular companies and a summarized list of policyholder discounts are:

  • State Farm includes discounts for driver's education, multiple autos, good driver, safe vehicle, and Steer Clear safe driver discount.
  • Farmers Insurance may include discounts for alternative fuel, mature driver, homeowner, youthful driver, and distant student.
  • Progressive offers discounts for good student, multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
  • GEICO offers discounts including defensive driver, five-year accident-free, air bags, good student, anti-theft, and membership and employees.
  • Auto-Owners Insurance may have discounts that include paperless, multiple vehicles, safe vehicle, air bags, group or association, teen driver, and anti-theft.
  • The Hartford has discounts for anti-theft, defensive driver, bundle, driver training, air bag, vehicle fuel type, and good student.
  • Farm Bureau may offer discounts for multi-policy, 55 and retired, safe driver, multi-vehicle, and renewal discount.
  • USAA offers premium reductions for new vehicle, annual mileage, driver training, defensive driver, and vehicle storage.

Double check with all the companies which discounts they offer. Discounts may not apply in every state. If you would like to see a list of insurance companies that have a full spectrum of discounts in Oregon, click this link.

Situations that may require an agent's advice

When quoting and comparing your policy for your vehicles, there isn't really a single plan that fits everyone. Your financial needs are unique and your policy should reflect that.Insurance savings For example, these questions could help you determine whether your personal situation could use an agent's help.

  • Is my cargo covered for damage or theft?
  • Is pleasure use cheaper than using my Audi A6 to commute?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is there coverage for my trailer?
  • When do I need to add a new car to my policy?
  • Can I insure my car for more than it's worth?
  • Do I need to file an SR-22 for a DUI in Oregon?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Portland car insurance companies ranked

Finding a high-quality insurer is hard considering how many companies sell insurance in Oregon. The company information shown next can help you select which providers you want to consider purchasing a policy from.

Top Car Insurance Companies in Oregon
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies