Cheap Quotes for Audi A6 Insurance in Honolulu

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Insurance rates Audi A6 in HonoluluIf you want to save the most money, the best way to get affordable Audi A6 insurance in Honolulu is to regularly compare prices from insurance carriers in Hawaii.

  1. Try to learn a little about what is in your policy and the measures you can take to drop your rates. Many things that drive up the price such as at-fault accidents, careless driving, and a negative credit rating can be controlled by making small lifestyle or driving habit changes. Keep reading for tips to help reduce premium rates and get additional discounts that may be available.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can give you price quotes for many different companies.
  3. Compare the new rate quotes to your existing coverage and see if you can save money. If you can save some money, make sure there is no coverage gap between policies.

A good tip to remember is to make sure you enter identical coverages on each quote and and to analyze every insurance company. Doing this ensures an accurate price comparison and a complete price analysis.

It goes without saying that car insurance companies don't want their policyholders to compare prices. People who shop around for the cheapest price will most likely switch companies because there is a great chance of finding good coverage at a lower price. A recent car insurance study revealed that consumers who shopped around saved over $850 each year compared to other drivers who never shopped for cheaper rates.

If saving the most money on Audi A6 insurance in Honolulu is the reason you're here, then having a good understanding how to find companies and compare insurance rates can save time and make the process easier.

The quickest method we recommend to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies participate in online systems to provide you with a free rate quote. All consumers are required to do is spend a couple of minutes providing details such as how much education you have, how much coverage you want, your job, and if you have a valid license. Your insurance information is automatically sent to many of the top insurers and they provide comparison quotes very quickly.

To start a quote now, click here and find out if you can get cheaper insurance in Honolulu.

The companies in the list below offer free rate quotes in Honolulu, HI. If multiple providers are shown, we recommend you click on several of them to get the best price comparison.

Get discounts on Honolulu auto insurance

Auto insurance is easily one of your largest bills, but companies offer discounts to help offset the cost. Certain reductions will be credited at quote time, but once in a while a discount must be asked for in order for you to get them. If they aren't giving you every credit you deserve, you are just wasting money.Cheaper auto insurance with discounts

  • Waiver for an Accident - This isn't a discount exactly, but companies like Progressive, State Farm and GEICO will forgive one accident without getting socked with a rate hike so long as you haven't had any claims prior to being involved in the accident.
  • Life Insurance Discount - Insurance companies who offer life insurance give a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
  • Clubs and Organizations - Affiliation with a civic or occupational organization in Honolulu could qualify you for a break when shopping for auto insurance.
  • Bundled Policy Discount - If you combine your auto and home policies with one insurance company you could get a discount of at least 10% off all policies.
  • Good Student - Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Military Deployment Discount - Being deployed with a military unit could be rewarded with lower rates.

Consumers should know that some credits don't apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

The example below shows the comparison of Audi A6 auto insurance costs with and without policy discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, safe-driver, and marriage discounts applied.

Large auto insurance companies and some of the discounts are:

  • Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-policy, multi-vehicle, good student, online signing, and homeowner.
  • MetLife may include discounts for accident-free, claim-free, good driver, good student, multi-policy, and defensive driver.
  • Mercury Insurance offers discounts for anti-theft, type of vehicle, multi-car, multi-policy, ease of repair, and professional/association.
  • Nationwide includes discounts for family plan, multi-policy, anti-theft, accident-free, good student, defensive driving, and easy pay.
  • GEICO offers premium reductions for military active duty, anti-lock brakes, emergency military deployment, anti-theft, multi-policy, seat belt use, and air bags.
  • AAA has savings for good student, multi-policy, good driver, pay-in-full, and anti-theft.

When getting a coverage quote, ask all companies you are considering to give you their best rates. Some discounts may not be offered everywhere. If you would like to view insurance companies that offer multiple discounts in Hawaii, click here.

Statistics and details

The price information shown next showcases detailed analysis of insurance premium costs for Audi A6 models. Having a good understanding how insurance prices are figured can be valuable when making decisions on the best policy coverages.

Audi A6 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $198 $418 $300 $18 $90 $1,024 $85
A6 3.2 Premium Plus 4-Dr Sedan $198 $418 $300 $18 $90 $1,024 $85
A6 3.0 Quattro Premium 4-Dr Sedan $198 $418 $300 $18 $90 $1,024 $85
A6 3.0 Quattro Premium Plus 4-Dr Sedan $198 $418 $300 $18 $90 $1,024 $85
A6 3.0 Quattro Premium Station Wagon $198 $418 $254 $16 $76 $962 $80
A6 3.0 Quattro Premium Plus Station Wagon $198 $418 $254 $16 $76 $962 $80
A6 3.0 Quattro Prestige 4-Dr Sedan $198 $418 $300 $18 $90 $1,024 $85
A6 3.0 Quattro Prestige Station Wagon $198 $418 $254 $16 $76 $962 $80
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $216 $466 $300 $18 $90 $1,090 $91
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in vehicle location which can change coverage rates considerably.

An analysis of deductible level

One frequently asked question is how high or low should comp and collision deductibles be. The tables below determine the rate difference between low and high policy deductibles. The first table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Audi A6 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
A6 3.2 Premium Plus 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
A6 3.0 Quattro Premium 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
A6 3.0 Quattro Premium Plus 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
A6 3.0 Quattro Premium Station Wagon $284 $528 $226 $14 $68 $1,145 $95
A6 3.0 Quattro Premium Plus Station Wagon $284 $528 $226 $14 $68 $1,145 $95
A6 3.0 Quattro Prestige 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
A6 3.0 Quattro Prestige Station Wagon $284 $528 $226 $14 $68 $1,145 $95
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $310 $590 $264 $16 $80 $1,285 $107
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Audi A6 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $230 $426 $264 $16 $80 $1,016 $85
A6 3.2 Premium Plus 4-Dr Sedan $230 $426 $264 $16 $80 $1,016 $85
A6 3.0 Quattro Premium 4-Dr Sedan $230 $426 $264 $16 $80 $1,016 $85
A6 3.0 Quattro Premium Plus 4-Dr Sedan $230 $426 $264 $16 $80 $1,016 $85
A6 3.0 Quattro Premium Station Wagon $230 $426 $226 $14 $68 $964 $80
A6 3.0 Quattro Premium Plus Station Wagon $230 $426 $226 $14 $68 $964 $80
A6 3.0 Quattro Prestige 4-Dr Sedan $230 $426 $264 $16 $80 $1,016 $85
A6 3.0 Quattro Prestige Station Wagon $230 $426 $226 $14 $68 $964 $80
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $252 $476 $264 $16 $80 $1,088 $91
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in specific Honolulu garaging location which can alter coverage rates substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $15 more each month or $180 a year averaged for all A6 models than opting for 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 17 months between claims, you would most likely save money by going with a higher deductible.

The diagram below demonstrates how deductible levels and can increase or decrease Audi A6 insurance costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Difference between liability only and full coverage rates

The information below visualizes the comparison of Audi A6 annual premium costs with and without full coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to drop full coverage

There is no exact rule of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's say your Audi A6 claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Insurance is available from local agents

Some consumers just want to get advice from a local agent and doing so can bring peace of mind A good thing about comparing rates online is the fact that drivers can get lower rates and still buy from a local agent.

Honolulu insurance agentsFor easy comparison, once you complete this simple form, the quote information gets sent to local insurance agents that provide free Honolulu car insurance quotes to get your business. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to you instantly. You can most likely find cheaper rates and work with a local agent. If you want to get a rate quote for a specific company, don't hesitate to search and find their rate quote page and fill out their quote form.

Selecting a insurer requires more thought than just a cheap price quote. The questions below may impact your decision as well.

  • Are there any discounts for paying up front?
  • Will you work with the agent or an assistant?
  • Do they offer rental car reimbursement?
  • Are they paid to recommend certain coverages?
  • Does the company have a solid financial rating?
  • Will they take your side in the event of a claim?
  • Does the company allow you to choose your own collision repair facility?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.

Auto insurance can be complex

When it comes to choosing the right insurance coverage, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's.Auto insurance savings

These are some specific questions can help discover whether your personal situation could use an agent's help.

  • Do all my vehicles need collision coverage?
  • What does medical payments cover?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need replacement cost coverage?
  • What can I do if my company won't pay a claim?
  • Am I covered when using my vehicle for business?
  • What if an uninsured driver hits me?
  • Can my teen driver be rated on a liability-only vehicle?
  • When would I need additional glass coverage?
  • Do I need an umbrella policy?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance is an important decision

Despite the high insurance cost for a Audi A6 in Honolulu, insurance is required in Hawaii but it also protects you in many ways.

  • Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to license the vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your A6 with a loan, most banks will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Audi at a much higher premium rate and require you to pay a much higher amount than you were paying before.
  • Insurance safeguards your Audi and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.

The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $850 per year so compare rate quotes at least once a year to ensure rates are competitive.

Parts of your auto insurance policy

Knowing the specifics of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability car insurance - Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 20/40/10 that translate to a $20,000 limit per person for injuries, $40,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage pays for claims like legal defense fees, court costs, loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Hawaii requires drivers to carry at least 20/40/10 but you should consider buying more liability than the minimum.

The chart below demonstrates why minimum state limits may not provide adequate coverage.

Protection from uninsured/underinsured drivers - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Audi A6.

Because many people only purchase the least amount of liability that is required (which is 20/40/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, pain medications, dental work, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage - This pays for damage to your A6 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It's also possible to raise the deductible on your A6 to get cheaper collision coverage.

Comprehensive (Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, fire damage and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Smart shoppers get results

Consumers who switch companies do it for any number of reasons including high prices, policy cancellation, being labeled a high risk driver or even extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Affordable Audi A6 insurance in Honolulu is available both online in addition to many Honolulu insurance agents, so you need to quote Honolulu car insurance with both to have the best rate selection. Some companies do not offer online rate quotes and usually these regional carriers prefer to sell through local independent agencies.

We just presented a lot of techniques to reduce Audi A6 insurance car insurance rates online in Honolulu. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the most savings is with a smaller regional carrier.

Additional auto insurance information is located at the links below