2017 Audi S6 Car Insurance Quotes – 10 Policy Discounts

Want cheaper insurance rates for your Audi S6? I doubt anyone gets a kick out of paying for insurance, especially knowing they are paying too much. Because there are so many options when it comes to insurance, it’s nearly impossible to find the most cost effective insurance company.

Locating affordable insurance coverage coverage is not that difficult. If you are insured now or need new coverage, you can follow these tips to reduce the price you pay and still get good coverage. Consumers just need to know the proper way to shop their coverage around over the internet.

How to compare insurance quotes

The majority of larger companies such as Progressive, Allstate and Geico allow consumers to get coverage prices on the web. This process is fairly straightforward as you just enter the coverage amounts you desire into the form. After you complete the form, their quoting system makes automated requests for your driving record and credit report and generates pricing information based on many factors. Being able to quote online makes comparing rates easy, but the work required to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s necessary to perform this step if you are searching for the lowest price.

Compare rates the easy way

A better way to find better insurance pricing uses just one form that gets prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping much easier to do. As soon as you send your information, your coverage is rated and you can select any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

In order to find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits just like they are on your policy. Doing this assures you will have rate comparison quotes for the exact same coverage.

Ten discounts to earn cheap insurance coverage rates

Some insurance providers don’t always advertise their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and the more hidden discounts that you may qualify for. If you do not double check each discount available, you could be paying more than you need to.

• 55 and Retired – Mature drivers can get a small decrease in premiums for S6 coverage.
• ABS Braking Discount – Cars with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up can save 10% or more on medical payment and PIP coverage.
• Early Renewal Discounts – A few companies offer discounts for buying a policy prior to the expiration date on your current policy. This can save 10% or more.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Lower Rates for Military – Being on active duty in the military could mean lower insurance coverage rates.
• Save with a New Car – Buying a new car model can get you a discount since new vehicles have better safety ratings.
• Accident Forgiveness – Not necessarily a discount, but companies like Geico and Liberty Mutual permit an accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy may reduce the rate for each vehicle.
• Discount for Low Mileage – Keeping the miles down on your Audi can qualify you for discounted premium rates on garaged vehicles.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts should help reduce the amount you pay for coverage.

A few popular companies and their possible discounts can be read below.

• Travelers includes discounts for continuous insurance, student away at school, multi-policy, home ownership, and payment discounts.
• 21st Century may have discounts that include automatic seat belts, driver training, homeowners, teen driver, early bird, 55 and older, and anti-lock brakes.
• State Farm may include discounts for student away at school, Drive Safe & Save, anti-theft, passive restraint, driver’s education, multiple autos, and defensive driving training.
• Geico offers discounts including daytime running lights, membership and employees, anti-theft, multi-vehicle, five-year accident-free, driver training, and multi-policy.
• SAFECO offers premium reductions for drive less, anti-lock brakes, bundle discounts, homeowner, teen safe driver, and multi-car.
• AAA policyholders can earn discounts including AAA membership discount, multi-car, education and occupation, good driver, anti-theft, pay-in-full, and multi-policy.

When comparing rates, check with each company which discounts they offer. All car insurance discounts might not be offered on policies in your area. To see insurers that offer some of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions might point out whether you would benefit from professional advice.

• Which companies will insure high-risk drivers?
• Am I covered when driving a rental car?
• Do I need an umbrella policy?
• Why do I only qualify for high-risk insurance?
• Is my teenager covered with friends in the car?
• Will my insurance pay for OEM parts?
• Why do I need rental car insurance?
• Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to 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. It’s fast, doesn’t cost anything and may give you better protection.

Be skeptical of insurance ads

Drivers can’t ignore all the ads that promise big savings for switching by Progressive, Allstate and Geico. They all advertise claims about how much you will save just by moving to their company.

That’s great but how can every company make almost identical claims? It’s all in how they say it.

Companies have a preferred profile for the type of customer that will add to their bottom line. For example, a desirable risk may need to be over the age of 40, carries full coverage, and has a high credit rating. A propective insured that hits that “sweet spot” will most likely get cheap prices and will probably save when they switch companies.

People who fall short of this stringent profile will see a higher premium which translates to the customer buying from someone else. The wording the ads use say “customers who switch” not “everybody who quotes” save that much when switching. That is how companies can claim big savings.

Different companies use different criteria so drivers should compare as many free insurance coverage quotes as you can. It is impossible to guess which insurance companies will provide the lowest rates.

Auto insurance coverages explained

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, funeral costs, prosthetic devices, pain medications and surgery. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision coverage will pay to fix damage to your S6 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, hitting a mailbox, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage – This can cover damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, loss of income, funeral expenses, emergency aid and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Be a smart shopper

Cheap 2017 Audi S6 insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide price quotes online and most of the time these smaller providers work with local independent agencies.

When you buy insurance coverage online, never skimp on coverage in order to save money. In many cases, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest cost.

More detailed auto insurance information is available in the articles below:

• Collision Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Insurance Basics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)