It takes a few minutes, but the best way to get more affordable auto insurance rates in Miami is to regularly compare quotes from companies who can sell car insurance in Florida.
- Step 1: Spend a few minutes and learn about what is in your policy and the things you can change to prevent high rates. Many risk factors that drive up the price like accidents, careless driving, and an imperfect credit score can be eliminated by making lifestyle changes or driving safer. Keep reading for additional ideas to help keep prices low and earn a bigger discount.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies.
- Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate in Miami. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
- Step 4: Notify your company or agent of your decision to cancel the current policy and submit the required down payment along with the signed application to your new carrier. Once received, store the proof of insurance certificate with your vehicle’s registration.
One key aspect of rate comparisons is to compare identical deductibles and limits on every price quote and and to get rate quotes from every company you can. This ensures the most accurate price comparison and a thorough selection of prices.
Sad but true, most auto insurance policyholders in Florida have bought auto insurance from the same company for well over three years, and nearly the majority have never even compared rates from other companies. American consumers could save themselves about 46.5% a year by just shopping around, but they don’t know how much savings they would realize if they bought a different policy.
Pricing the cheapest car insurance in Miami is simple if you know the tricks. In a nutshell, anyone who is looking for cheaper car insurance will get better rates. Nevertheless, Florida car owners benefit from understanding how the larger insurance companies market on the web and use it to find better rates.
All the larger car insurance companies provide prices on the web. Getting Audi A6 insurance prices online is very simple as you simply enter your required coverages into the form. After you submit the form their system automatically orders your driving and credit reports and returns pricing information determined by many factors.
Quoting online for Audi A6 insurance in Miami simplifies rate comparisons, and it’s also necessary to have as many quotes as possible in order to get the most affordable car insurance rates.
In order to find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you complete the form with the limits and deductibles as shown on your current policy. This way, you will have a fair comparison for similar coverage.
The providers in the list below can provide quotes in Florida. To buy the best auto insurance in Florida, we recommend you compare several of them to find the most competitive car insurance rates.
Insurance does more than just protect your car
Despite the high cost of buying insurance for a Audi A6 in Miami, insuring your vehicle is mandatory in Florida but it also protects more than you think.
First, just about all states have minimum liability requirements which means you are required to buy specific limits of liability protection in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, more than likely the lender will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi at a more expensive rate and require you to fork over the higher price.
Third, insurance protects both your assets and your car. It also can pay 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 pays expenses related to your legal defense in the event you are sued. If your Audi gets damaged, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. The average driver in Florida is wasting up to $830 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.
Coverage analysis
The premium information shown below highlights different policy rates for Audi A6 models. Having insight into how insurance policy premiums are formulated can be useful when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $252 | $482 | $430 | $26 | $128 | $1,318 | $110 |
| A6 3.2 Premium Plus 4-Dr Sedan | $252 | $482 | $430 | $26 | $128 | $1,318 | $110 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $252 | $482 | $430 | $26 | $128 | $1,318 | $110 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $252 | $482 | $430 | $26 | $128 | $1,318 | $110 |
| A6 3.0 Quattro Premium Station Wagon | $252 | $482 | $366 | $22 | $110 | $1,232 | $103 |
| A6 3.0 Quattro Premium Plus Station Wagon | $252 | $482 | $366 | $22 | $110 | $1,232 | $103 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $252 | $482 | $430 | $26 | $128 | $1,318 | $110 |
| A6 3.0 Quattro Prestige Station Wagon | $252 | $482 | $366 | $22 | $110 | $1,232 | $103 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $274 | $538 | $430 | $26 | $128 | $1,396 | $116 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates substantially.
Can higher deductibles save money?
When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The rates shown below can help you visualize the rate differences when you choose different policy deductibles. The first set of prices uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A6 3.2 Premium Plus 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A6 3.0 Quattro Premium Station Wagon | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| A6 3.0 Quattro Premium Plus Station Wagon | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A6 3.0 Quattro Prestige Station Wagon | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $544 | $1110 | $418 | $24 | $124 | $2,245 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A6 3.2 Premium Plus 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A6 3.0 Quattro Premium Station Wagon | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| A6 3.0 Quattro Premium Plus Station Wagon | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A6 3.0 Quattro Prestige Station Wagon | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $302 | $586 | $418 | $24 | $124 | $1,454 | $121 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in vehicle location which can increase or decrease insurance rates considerably.
We can estimate from the data above that using a $100 deductible will cost you approximately $61 more each month or $732 for a full year across all Audi A6 models than selecting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claims, you would more than likely save some money if you opt for a higher deductible. Below is an example of how you can make your own decision.
| Average monthly premium for $100 deductibles: | $173 |
| Average monthly premium for $1,000 deductibles (subtract): | – $112 |
| Monthly savings from raising deductible: | $61 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $61 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One thing to note is that raising deductibles means you will have to cover more of the damage yourself when you have a claim. You need to have some available funds in the event you have to pay the deductible to have repairs made.
Comparison of car insurance rates by age and gender in Miami
The diagram below shows the difference between Audi A6 insurance prices for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Full coverage rates compared to liability-only
The chart below illustrates the difference between Audi A6 car insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no clear-cut formula of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Audi A6 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after you pay the deductible. If you are paying more than $200 a year for physical damage coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Discounts can help lower premiums on Audi A6 insurance in Miami
Companies offering auto insurance don’t list all discounts in an easy-to-find place, so the below list has a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy Miami auto insurance online.
- Save with a New Car – Insuring a vehicle that is new can save up to 30% because newer vehicles have to meet stringent safety requirements.
- Driver Education Discount – Have your child enroll and complete driver’s education as it can save substantially.
- Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy can reduce rates for all insured vehicles.
- Defensive Driver Discount – Completing a course in defensive driver is a good idea and can lower rates if your company offers it.
- Onboard Data Collection – Drivers that enable their company to look at vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
Discounts save money, but please remember that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.
The information below illustrates the comparison of Audi A6 premium costs with and without policy discounts. The premiums assume a male driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.
A few popular companies and some of the premium reductions they offer are shown below.
- State Farm policyholders can earn discounts including multiple policy, student away at school, passive restraint, safe vehicle, and multiple autos.
- Nationwide has savings for Farm Bureau membership, anti-theft, good student, easy pay, multi-policy, and accident-free.
- GEICO discounts include membership and employees, daytime running lights, multi-policy, five-year accident-free, air bags, and good student.
- AAA may have discounts that include multi-car, good driver, good student, education and occupation, pay-in-full, anti-theft, and multi-policy.
- 21st Century may offer discounts for theft prevention, good student, driver training, homeowners, anti-lock brakes, defensive driver, and teen driver.
- The Hartford offers discounts for air bag, vehicle fuel type, anti-theft, defensive driver, driver training, good student, and bundle.
If you need affordable Audi A6 insurance quotes, ask every company what discounts are available to you. Depending on the company, some discounts might not be offered in Miami. If you would like to see a list of insurance companies that have a full spectrum of discounts in Florida, click here.
Should I contact an insurance agent?
Certain consumers prefer to get advice from a local agent and that is OK! One of the great benefits of comparing rates online is the fact that drivers can get the best rates but also keep your business local. And buying from local agencies is important especially in Miami.
After completing this quick form, the quote information is sent to insurance agents in Miami who can give free rate quotes to get your business. You won’t even need to leave your computer since price quotes are sent immediately to you. It’s the lowest rates and a licensed agent to talk to. If you want to compare rates from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.
When finding a reliable insurance agent, you should know the types of insurance agents and how they are distinctly different. Insurance agencies in Miami are categorized either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents (or Brokers)
Independent insurance agents are not restricted to one company so as a result can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to switch agencies.
If you need cheaper auto insurance rates, you need to check rates from several independent insurance agents so that you can do a thorough price comparison. Most have the option of insuring with less well-known companies that can offer cheaper rates than bigger companies.
Listed below are Miami independent insurance agents that can possibly get you cheap rate quotes.
- Okay Insurance Agency
7293 W Flagler St – Miami, FL 33144 – (305) 267-7232 – View Map - Miami Auto Insurance Agency
3132 NW 7th St – Miami, FL 33125 – (305) 649-1800 – View Map - Sunshine Insurance Agency Inc
2595 SW 87th Ave – Miami, FL 33165 – (305) 559-7873 – View Map
Exclusive Agents
Exclusive agents can only quote rates from one company like Farmers Insurance or State Farm. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well schooled on what they offer which helps offset the inability to provide other markets. Drivers often buy insurance from these agents partially due to high brand loyalty rather than having the cheapest rates.
The following are Miami exclusive insurance agents who can help you get comparison quotes.
- Allstate Insurance: Pamela Brumer
141 Alton Rd – Miami Beach, FL 33139 – (305) 531-1223 – View Map - Rick Gonzalez – State Farm Insurance Agent
8830 Coral Way – Miami, FL 33165 – (305) 226-3412 – View Map - GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 – View Map
Picking an insurance agent should include more criteria than just the premium amount. You should also get answers to these questions.
- How much can you save by raising your physical damage deductibles?
- How long have they worked with personal auto insurance coverage?
- Do you work with a CSR or direct with the agent?
- Which company do they place the most coverage with?
- Do they have cheaper tiers of coverage?
After talking to the agent and getting good responses to all your questions as well as cheaper A6 insurance quotes, chances are good that you have found an insurance agent that is reliable enough to properly insure your vehicles. It’s important to know that you can terminate your policy for any reason so don’t think you’re contractually obligated to your new company for any length of time.
How much car insurance do I need?
When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that.
For example, these questions may help highlight whether or not you may require specific advice.
- Is pleasure use cheaper than using my Audi A6 to commute?
- Are all vehicle passengers covered by medical payments coverage?
- How much cheaper are high deductibles?
- Why do I only qualify for high-risk insurance?
- When should I remove comp and collision on my Audi A6?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Can I afford to buy a different vehicle if my Audi A6 is totaled?
- What does PIP insurance cover?
- Am I covered by my spouse’s policy after a separation?
- Am I covered if my car is in a flood?
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Don’t give up on cheap premiums
When searching for the cheapest Audi A6 rate quotes, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to discover later that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Throughout this article, we presented many ideas to save on Audi A6 insurance in Miami. The key concept to understand is the more you quote Miami auto insurance, the better likelihood of getting affordable Miami auto insurance quotes. Drivers may even discover the lowest prices come from a small local company. They may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
Additional learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- How Much are Car Insurance Quotes for Drivers with Accidents in Miami? (FAQ)
- How Much are Auto Insurance Quotes with Multiple Speeding Tickets in Miami? (FAQ)
- Who Has Affordable Miami Auto Insurance for 17 Year Olds? (FAQ)
- Who Has Cheap Miami Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Miami? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Miami? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)