2014 Audi S6 Insurance Rates – 10 Savings Tips

Did a good deal turn out to be an overpriced auto insurance policy? You’re preaching to the choir because there are lots of people in the same boat.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

It is always a good idea to do rate comparisons yearly since insurance rates tend to go up over time. Just because you found the best deal for S6 coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to get good coverage at a lower rate.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. Although car owners need to learn how insurance companies compete online because it can help you find the best coverage.

Where can I get low cost insurance?

All the larger insurance companies make it easy to get insurance quotes directly from their websites. Getting online quotes is easy for anyone as you just type in on the page. Upon sending the form, the system orders credit information and your driving record and returns a price based on the information you submitted. This makes comparing rates easy, but having to visit many different websites and complete many quote forms is repetitive and time-consuming. But it’s necessary to do this in order to get the best price on insurance.

Quote rates the easy way

The preferred way to find cheaper rates uses one form that gets price quotes from several different companies. The form is fast, requires much less work on your part, and makes online shopping much easier. As soon as you send your information, it is rated with multiple companies and you can pick any of the price quotes you receive.

If you find a better price you simply finish the application and purchase coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out if lower rates are available, click here and fill out the form. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This way, you’re receiving rate comparison quotes using the exact same coverages.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive continually stream television and radio advertisements. All the ads make an identical promise about savings if you just switch your insurance coverage coverage to their company. How does every insurance coverage company lower your premium rates? It’s all in the numbers.

Different companies provide the lowest rates for the type of driver that will not have excessive claims. A good example of a profitable insured might be between 25 and 40, carries high limits, and drives newer vehicles. Anyone who fits that profile will get a cheap rate quote and as a result will probably save money with a new company.

People who fall outside these standards may receive higher prices which leads to the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can truthfully make those claims.

Different companies use different criteria so you absolutely need to quote coverage with many companies. You cannot predict which insurance companies will provide you with the cheapest premium rates.

Cheaper insurance rates with discounts

Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that may help make it more affordable. Some trigger automatically when you purchase, but once in a while a discount must be asked about before they will apply.

  • Distant Student Discount – Children who attend college more than 100 miles from home and do not have a car can receive lower rates.
  • Onboard Data Collection – Policyholders that allow their company to study driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • Accident Forgiveness Coverage – Not really a discount, but certain companies will forgive one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Lower Rates for Military – Being on active deployment in the military can result in better prices.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Discount for New Cars – Buying a new car model can save up to 30% compared to insuring an older model.
  • Homeowners Pay Less – Just owning your own home can save a few bucks because owning a home demonstrates responsibility.
  • Accident-Free Discounts – Drivers with accident-free driving histories get the best insurance rates when compared with drivers with a long claim history.
  • Anti-lock Brake System – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Passive Restraints and Air Bags – Factory air bags can qualify for discounts of 20 to 30 percent.

Keep in mind that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

To view companies that offer the discounts shown above, click here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • Will filing a claim cost me more?
  • What can I do if my company denied a claim?
  • Which is better, split liability limits or combined limits?
  • Is there coverage for injuries to my pets?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are rental cars covered under my policy?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2014 Audi S6.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Collision protection

Collision insurance pays for damage to your S6 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, sideswiping another vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. 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 things like repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like ambulance fees, hospital visits, EMT expenses and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

As you restructure your insurance plan, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that it was a big error on their part. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how to save on 2014 Audi S6 insurance. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.

More learning opportunities

Comments About 2014 Audi S6 Insurance

  1. Mickey Gordon

    I live in Bangor, ME and for me Progressive had the lowest quote. Left Liberty Mutual to switch. I’m a pretty good driver though.

  2. Alane Mckee

    If you have a clean record and live near Jersey City, NJ, check out 21st Century. I saved quite a bit.

  3. Alyse Price

    I live in a small town just outside of Shreveport, Louisiana. Quoted with AAA, Farmers, and Safeco for my Audi and saved just over $450 a year. Left USAA to switch. Just go online and compare their rates.

  4. Romona Cain

    If you have a good history and live around Newark, NJ, check out GEICO. I saved quite a bit. I have a teen driver too.

  5. Marcelina Cobb

    I’m just north of Bellevue, Nebraska. Quoted with Amica, Mercury, and Western Auto Insurance for my 2014 Audi S6 and I’m now saving $37 a month. It was easy to get rates.

  6. Trenton Harrington

    If you have a good history and live in the vicinity of Portland, OR, check out Progressive. You might get cheaper rates. Was with 21st Century. Not sure if rates are cheaper online or not.

  7. Darrick Harding

    I’m in the suburbs of Chesapeake, Virginia. Quoted prices from Allstate, GMAC, and Erie for my S6 and I’m now saving $46 a month. Left Progressive to switch. Bought it from an online quote.

  8. Alysha Powers

    IT’S ALL TOO EXPENSIVE! From northwest of Jacksonville, FL. Received rates from Auto-Owners, Encompass, and Mercury for my 2014 Audi S6 and saved around $250 a year. Just go online and compare their rates.

  9. Judi Witt

    I compared a lot of rate quotes for a 2014 Audi S6 in Charleston, South Carolina. Ended up at about $430 every six months with Amica. I quoted rates online then called them.

  10. Lashanda Hale

    It all costs too much. I’m in the suburbs of Shreveport, LA. Checked online prices for a 2014 Audi S6. Ended up at about $260 savings annually. Went with Allstate. Was with Farmers. They were helpful in switching over.

  11. Louvenia Rosario

    Does Minnesota have minimum liability laws?

  12. Delisa Knowles

    I live west of Honolulu, HI. Received rates from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my 2014 Audi S6 and I think I saved about $30 each month. Switched homeowners coverage too. I used their online quote form to compare rates.

  13. Zenaida Silva

    If you don’t have tickets and live around Denver, CO, check out 21st Century. I saved quite a bit. I’m a pretty low risk driver.

  14. Lezlie Phillips

    I can’t pay high rates. I’m in the north part of Parkersburg, WV. Received rates from State Farm, Liberty Mutual, and Farmers for my S6 and cut my rates about $500 a year. Left American Family to switch.

  15. Jacki Ryan

    I got quite a few price quotes for a 2014 Audi S6 in Omaha, Nebraska. Ended up at darn near $380 every six months with American Family. Left AAA to switch. I got a quote from their website.

  16. Ka Garza

    What does medical payments cover?

  17. Winston Lara

    I got decent rates for a 2014 Audi S6 in Warwick, RI. Ended up at right around $180 every six months with American Family. I have kids on my policy, too. I got prices on the web.

  18. Kathyrn Yang

    I switched to Allstate. Quoted good rates in Louisville, Kentucky. Even increased coverage a bit. Online quotes are the way to go.

  19. Yuki French

    I’m in Cincinnati, OH, and GEICO rates were affordable. Did it all online.

  20. Columbus Slater

    I’m in the east part of Seattle, WA. Quoted a bunch of companies. Saved roughly $60 a month. 21st Century was the most affordable for me. I increased coverages a little too. Not sure if rates are cheaper online or not.

  21. Mariam Hardy

    In Shreveport, Louisiana compare Allstate with Progressive and see which is best.