Insurance rates Audi A6 in HonoluluHas it been a year or more since you last compared quotes for lower-priced Audi A6 insurance in Honolulu? Searching for cheaper insurance for a new or used Audi A6 in Hawaii can be a lot of work, but you can learn these tips to save time. There are more efficient ways to find insurance online so we're going to tell you the best way to quote coverages for a Audi and locate the best price possible from both online companies and Honolulu agents.

If you have insurance now or are looking for a new policy, follow these tips to shop for the lowest rates and still get good coverage. Quoting and buying the cheapest car insurance policy in Honolulu is not as time-consuming as you think. Smart buyers just have to use the proper way to compare company rates from multiple carriers.

Low-cost Audi insurance prices in Honolulu

The companies in the list below are our best choices to provide comparison quotes in Honolulu, HI. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.

Audi A6 Insurance Costs in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $244 $524 $248 $14 $74 $1,104 $92
A6 3.2 Premium Plus 4-Dr Sedan $210 $392 $272 $16 $82 $972 $81
A6 3.0 Quattro Premium 4-Dr Sedan $274 $518 $270 $16 $80 $1,158 $97
A6 3.0 Quattro Premium Plus 4-Dr Sedan $310 $726 $320 $18 $96 $1,470 $123
A6 3.0 Quattro Premium Station Wagon $246 $536 $216 $12 $64 $1,074 $90
A6 3.0 Quattro Premium Plus Station Wagon $226 $490 $272 $16 $82 $1,086 $91
A6 3.0 Quattro Prestige 4-Dr Sedan $316 $632 $264 $16 $80 $1,308 $109
A6 3.0 Quattro Prestige Station Wagon $274 $518 $230 $14 $68 $1,104 $92
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $212 $456 $358 $22 $106 $1,154 $96
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates noticeably.

Should you raise deductibles?

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The tables below can help you visualize the rate differences between high and low policy deductibles. The first pricing table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Audi A6 insurance 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
Get Your Own Custom Quote Go
Audi A6 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A6 3.2 Premium 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
A6 3.2 Premium Plus 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
A6 3.0 Quattro Premium 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
A6 3.0 Quattro Premium Plus 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
A6 3.0 Quattro Premium Station Wagon $176 $332 $226 $14 $68 $816 $68
A6 3.0 Quattro Premium Plus Station Wagon $176 $332 $226 $14 $68 $816 $68
A6 3.0 Quattro Prestige 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
A6 3.0 Quattro Prestige Station Wagon $176 $332 $226 $14 $68 $816 $68
A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan $192 $372 $264 $16 $80 $924 $77
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates greatly.

We can derive from the above data that using a $250 deductible costs about $28 more each month or $336 a year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 27 months between claims, you would probably come out ahead if you decide on a higher deductible.

Get cheaper Audi A6 insurance in Honolulu with discounts

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. A few discounts will be applied when you purchase, but once in a while a discount must be asked for before you get the savings. If you aren't receiving every discount available, you could be getting lower rates.Cheaper insurance with discounts

It's important to note that most discounts do not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn't quite work that way.

Companies and a summarized list of policyholder discounts are detailed below.

If you need affordable Honolulu car insurance quotes, ask every company which credits you are entitled to. Depending on the company, some discounts may not be offered everywhere.

The Audi A6 Insurance Premium Equation

A large part of saving on insurance is knowing a few of the rating criteria that help calculate insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may result in lower rates.

The items below are some of the things insurance companies consider when setting your rates.

Advanced theft deterrents - Selecting a car model with an alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.

How old are your drivers? - Older drivers are more responsible, statistically cause fewer accidents, and are safer drivers.Beginning drivers have been known to be less responsible when driving with friends so they pay higher insurance rates.

Multiple policies with one company can save - Many companies apply better rates to people that purchase more than one policy. It's known as a multi-policy discount. Even if you already get this discount, it's still a good idea to compare other company rates to help guarantee you have the best rates.

Are you male or female? - Statistics have proven that females tend to be a little less risky than males. That doesn't necessarily mean that women are BETTER drivers than men. Males and females are responsible for at-fault accidents in similar numbers, but the male of the species get into accidents with more damage. They also get higher numbers of serious violations like DUI and reckless driving.

Poor driving leads to higher rates - How you drive has a lot to do with how much you pay for insurance. Drivers who don't get tickets pay less for auto insurance compared to drivers with tickets. Just one citation may cause rates to rise substantially. People who have multiple citations such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to prevent their license from being revoked.

High credit scores save money - A driver's credit score is a large factor in calculating your premium rate. So if your credit rating can be improved, you may save money insuring your Audi A6 if you improve your credit rating. Drivers with high credit ratings tend to be less risk to insure than drivers who have worse credit.

Cheaper prices for prior coverage - Driving with no insurance is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.

Insurance losses for an Audi A6 - Car insurance companies use past loss statistics for each vehicle to calculate a price that will offset any claims. Vehicles that the statistics show to have higher claim amounts or frequency will have higher premium rates.

The next table illustrates the historical loss data for Audi A6 vehicles. For each coverage type, the claim amount for all vehicles, as a total average, is considered to be 100. Values below 100 are indicative of better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased likelihood of larger losses.

Audi A6 Insurance Claim Statistics

Specific Audi 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local agents and car insurance

Some consumers would rather talk to an insurance agent and that is a smart decision Professional agents can help you build your policy and help submit paperwork. A good thing about price shopping on the web is the fact that drivers can get better rates and still have an agent to talk to.

Insurance agents in HonoluluBy using this short form, your coverage information is immediately sent to local insurance agents that can provide free Honolulu car insurance quotes and help you find cheaper coverage. You won't need to search for an agent as quotes are delivered to the email address you provide. If you need to quote rates from a specific company, you just need to go to their quote page and fill out the quote form the provide.

Finding the right insurance company shouldn't rely on just a cheap price quote. You should also get answers to these questions.

If you prefer to buy car insurance from an insurance agent, you must know there are a couple types of agencies and how they can write your policy. Agencies in Honolulu are considered either independent or exclusive. Both types can sell and service car insurance coverage, but it is important to understand the subtle differences since it can impact which type of agent you select.

Exclusive Insurance Agencies

Agents of this type are contracted to one company such as State Farm, Allstate and AAA. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on sales techniques which aids in selling service over price. Consumers sometimes buy from the same agent for years primarily because of the brand legacy and the convenience of having all coverages with one company.

The following is a list of exclusive agents in Honolulu who can help you get comparison quotes.

View more agents

Independent Car Insurance Agents

These type of agents are not employed by any specific company so they can insure your vehicles with many different companies and get the cheapest rates. If they quote lower rates, the business is moved internally and you won't have to switch agencies. When shopping rates, you will want to get quotes from a few independent agents to maximize your price options. Most have the option of insuring with small regional insurance companies that many times have cheaper rates.

Listed below is a list of independent insurance agencies in Honolulu that can give you price quote information.

View more agents

If you receive good answers to all your questions and inexpensive Audi A6 insurance in Honolulu quotes, you may have just found a car insurance agent that can be trusted to properly service your car insurance policy. But keep in mind you are entitled to cancel your coverage whenever you choose to so never feel that you are obligated to a specific agent for any length of time.

Ads can be misleading

Hawaii drivers can't avoid all the ads that claim the best premium rates by companies like State Farm and Allstate. All the companies seem to make the promise that people will save after switching your policy.

How can each company save you money on Audi A6 insurance in Honolulu? It's all in how they say it.

Insurance companies have specific guidelines for a prospective insured that will not have excessive claims. One example of a preferred risk might be described as between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and therefore will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will probably be forced to pay higher prices and the customer not purchasing. The trick is to say "people who switch" not "all people who quote" save the amount stated. That's the way companies can advertise the way they do. Because of the profiling, it is so important to compare as many free Honolulu car insurance quotes as you can. Because you cannot predict which insurance companies will have the best rates at this point in time.

Persistent drivers can save

Insureds switch companies for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests or policy cancellation. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

In this article, we covered many tips how you can shop for Audi A6 insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates come from an unexpected company.

Cheap Audi A6 insurance in Honolulu can be bought online as well as from independent agents in Honolulu, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not have online price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agents.

For more information, feel free to browse the following helpful articles: