Compare 2003 Audi RS 6 Car Insurance Rates

Want better auto insurance rates for your Audi RS 6? Having to pay for high-priced Audi RS 6 insurance can eat up your savings account and force you to cut corners elsewhere. Getting a rate comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Numerous car insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the definite lowest rate

You should make it a habit to shop coverage around before your policy renews because insurance rates trend upward over time. Just because you found the best deal for RS 6 insurance two years ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to learn the right way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Although drivers can benefit from knowing the way companies price online insurance and use this information to your advantage.

Buy car insurance online

Effectively comparing car insurance prices can be a lot of work if you don’t understand the easiest way. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many companies belong to an insurance system that enables customers to enter their coverage request one time, and at least one company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions for each company.

To get comparison pricing now click here to open in new window.

The single downside to pricing coverage this way is you can’t choose which carriers to get pricing from. If you prefer to choose individual companies to compare rates, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but do your best to use equivalent deductibles and coverage limits on every price quote you get. If you compare different data it will be very difficult to determine which company has the best rates. Even a minor difference in insurance coverages can result in a big premium difference. And when comparing car insurance rates, know that more quotes provides better odds of finding better pricing.

Find discounts to get cheap auto insurance quotes

Some insurers don’t list every available discount very clearly, so we break down a few of the more well known as well as some of the hidden discounts that you may qualify for.

• Buy New and Save – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Defensive Driver Discounts – Taking time to complete a class that teaches safe driver techniques could cut 5% off your bill and easily pay for the cost of the class.
• Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% for RS 6 insurance with a few auto insurance companies.
• Driver’s Ed – Teen drivers should enroll in driver’s education as it can save substantially.
• Good Student Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Cautious Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for RS 6 insurance than less cautious drivers.
• Renewal Discounts – Some auto insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
• Braking Control Discount – Cars and trucks with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% off the personal injury premium cost.
• Save over 55 – Mature drivers could receive a small discount on rates for RS 6 insurance.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large auto insurance companies and some of their more popular discounts are shown below.

• Farm Bureau offers premium reductions for multi-policy, good student, youthful driver, multi-vehicle, 55 and retired, driver training, and safe driver.
• State Farm includes discounts for multiple autos, Drive Safe & Save, good driver, anti-theft, driver’s education, and good student.
• Progressive has savings for online signing, continuous coverage, online quote discount, multi-policy, and homeowner.
• Allstate may have discounts that include auto/life discount, utility vehicle, economy car, resident student, and eSmart discount.
• Nationwide has discounts for easy pay, accident-free, Farm Bureau membership, good student, multi-policy, anti-theft, and defensive driving.
• MetLife discounts include good driver, defensive driver, good student, claim-free, multi-policy, accident-free

Double check with every prospective company how you can save money. Savings may not apply to policies in your area. If you would like to see a list of insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if you might need professional guidance.

• Are all vehicle passengers covered by medical payments coverage?
• Why am I required to buy liability insurance?
• Can I afford to buy a different vehicle if my 2003 Audi RS 6 is totaled?
• If my pet gets injured in an accident are they covered?
• Is my teenager covered with friends in the car?
• Can I rate high risk drivers on liability-only vehicles?
• Will I lose any money if I cancel my policy before it expires?
• What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Audi RS 6 insurance price factors

Many factors are considered when you quote your car insurance policy. Some factors are common sense such as your driving history, but others are less obvious such as your marital status or your financial responsibility.A large part of saving on insurance coverage is knowing the factors that help calculate the price you pay for insurance coverage. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you better insurance coverage rates.

• City dwellers may pay more – Residing in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. People in densly populated areas have more road rage incidents and more time behind the wheel. More time commuting means more chance of being in an accident.
• Your occupation can affect insurance coverage rates – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as military generals, social workers and emergency personnel usually pay higher rates than the rest of us due to stressful work requirements and incredibly demanding work hours. Conversely, occupations like actors, historians and homemakers generally pay rates lower than average for RS 6 insurance.
• If you don’t need it don’t buy it – There are many additional coverages you can purchase if you aren’t careful. Coverages like coverage for rental cars, death and dismemberment, and extra life insurance coverage are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money consider taking them off your policy.
• Vehicles with better crash test results mean better prices – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders.
• Higher deductibles cost less – The deductibles define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive for RS 6 insurance.
• Improve your credit rating and save – Having a bad credit history is likely to be a major factor in determining what you pay. Therefore, if your credit leaves room for improvement, you could pay less to insure your 2003 Audi RS 6 by repairing your credit. Insureds that have good credit tend to file fewer claims than those with bad credit.
• Lower rates with a multi-policy discount – Some insurers afford better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to guarantee you are still saving the most.There is a chance you can save more without the discount by buying insurance coverage from a different company.
• Cheaper to insure gals? – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are better drivers. Women and men are in fender benders at about the same rate, but guys get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers generally have the highest accident percentage and thus pay the highest rates.

Auto insurance savings promises

Allstate and Progressive consistently run ads on TV and radio. They all seem to advertise claims that people will save just by moving your coverage to them. How is it plausible that every one can offer drivers better rates? Just pay attention to how they say it.

Many companies have specific criteria for the type of driver that makes them money. For instance, this type of risk profile may be over the age of 35, has no prior claims, and drives less than 7,500 miles a year. Anybody that meets those criteria will qualify for the lowest premium rates and is almost guaranteed to cut their rates if they switch.

Insureds who fall outside these stringent criteria will be quoted a higher rate and this results in business going elsewhere. The wording the ads use say “people that switch” not “everybody who quotes” save that much when switching. That’s the way companies can truthfully state the savings.

That is why it is so important to get price quotes at each policy renewal. It’s not possible to predict with any certainty which company will have the lowest rates for your situation.

The coverage is in the details

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Auto collision coverage

This coverage covers damage to your RS 6 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like surgery, ambulance fees, chiropractic care, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2003 Audi RS 6.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

This protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, attorney fees, repair bills for other people’s vehicles, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Make an honest buck

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and learned later that it was a big mistake. Your goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

There are still a few companies who may not have online quoting and these regional carriers only sell coverage through independent agents. Affordable 2003 Audi RS 6 insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis.

Additional auto insurance information is located on the following sites:

• Cellphones, Texting and Driving (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)