Compare 2011 Audi S6 Insurance Rates

Searching for cheaper auto insurance rates for your Audi S6? Locating cheaper insurance for an Audi S6 can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages on a Audi and obtain the lowest price either online or from local insurance agents.

The quickest method we recommend to compare policy rates is to understand almost all companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide information such as if the vehicle is leased, driver ages, if your license is active, and your general credit rating. Your insurance information gets transmitted to many different companies and they return quotes almost instantly.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements that claim the lowest prices by companies like Progressive, Allstate and Geico. All the ads try to convey promises about how much you will save just by moving your insurance coverage policy to them.

How do they all charge you less for car insurance? Here is the trick they use.

All companies can use profiling for the type of driver that earns them the most money. For instance, this type of insured should be over age 30, has no driving citations, and chooses high deductibles. A driver that matches those criteria receives the best rates and will most likely save quite a bit of money when switching.

Potential customers who fall outside the requirements will get higher prices which usually ends up with the customer buying from a different company. Company advertisements say “people that switch” not “all people who quote” save that kind of money. That is how companies can make claims like that.

This really emphasizes why you really need to quote coverage with many companies. Because you never know with any certainty which company will fit your personal profile best.

Smart consumers can lower their insurance costs

Part of the auto insurance buying process is learning some of the factors that come into play when calculating the price you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in cheaper rates.

The itemized list below are a few of the things utilized by car insurance companies to help set your rate level.

• How’s your driving record? – A bad driving record influences premium rates substantially. Good drivers get better rates than their less careful counterparts. Just one ticket can increase rates to the point where it’s not affordable. Drivers with license-revoking tickets like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
• Is auto insurance cheaper for women or men? – Statistics have proven that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. Men and women have accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also get cited for more serious violations such as DWI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.
• Deter car thieves – Owning a car with advanced anti-theft systems can help bring down rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
• How do annual miles impact costs? – The more miles you rack up on your Audi in a year the more you’ll pay to insure it. Almost all companies charge rates partially by how you use the vehicle. Autos left parked in the garage qualify for better rates compared to those used for work or business. Double check that your auto insurance policy shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your S6 is just wasting money.

Insurance coverage policy discounts you can’t miss

Insurance can be prohibitively expensive, but you may qualify for discounts that can help lower your rates. Some discounts apply automatically at quote time, but less common discounts must be inquired about before you will receive the discount.

• Telematics Devices – Insureds that choose to allow data collection to track when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
• Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
• Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Early Switch Discount – A few insurance coverage companies give discounts for renewing your policy early. This can save 10% or more.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Low Mileage – Maintaining low annual mileage could earn slightly better prices than normal.

We need to note that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

Larger insurance coverage companies and their offered discounts are shown below.

• Geico may include discounts for multi-vehicle, five-year accident-free, anti-lock brakes, air bags, anti-theft, defensive driver, and daytime running lights.
• Travelers offers discounts for multi-policy, IntelliDrive, student away at school, continuous insurance, and early quote.
• Nationwide includes discounts for accident-free, multi-policy, business or organization, defensive driving, family plan, easy pay, and good student.
• Farmers Insurance policyholders can earn discounts including pay in full, teen driver, early shopping, mature driver, and distant student.
• Esurance has savings for multi-policy, anti-lock brakes, Pac-12 alumni, safety device, Switch & Save, and paid-in-full.
• State Farm offers premium reductions for defensive driving training, anti-theft, good driver, multiple policy, passive restraint, and Drive Safe & Save.
• Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, online signing, multi-policy, good student, and online quote discount.
• Mercury Insurance offers discounts including anti-theft, age of vehicle, accident-free, low natural disaster claims, ease of repair, type of vehicle, and location of vehicle.

Before you buy a policy, ask all companies you are considering how you can save money. Discounts might not be available to policyholders in your area. To view providers who offer online insurance coverage quotes, follow this link.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation could use an agent’s help.

• What is the minimum liability in my state?
• Am I insured when driving a different vehicle?
• When would I need rental car insurance?
• When should my teen driver be added to my policy?
• How can I get high-risk coverage after a DUI?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, dental work, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, damage from a tornado or hurricane, hitting a deer, falling objects and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Audi S6.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Liability car insurance

This protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your S6 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

What is YOUR best insurance company?

While you’re price shopping online, do not skimp on coverage in order to save money. Too many times, consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

The cheapest 2011 Audi S6 insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies may not offer online price quotes and most of the time these smaller companies only sell through independent agents.

Consumers switch companies for a variety of reasons including policy non-renewal, questionable increases in premium, being labeled a high risk driver and not issuing a premium refund. Whatever your reason, switching companies can be easy and end up saving you some money.

Additional detailed information is available in these articles:

• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Rental Reimbursement Coverage (Allstate)
• Collision Insurance Coverage (Nationwide)
• Young Drivers: The High Risk Years Video (iihs.org)
• Should I Buy a New or Used Car? (Allstate)