Lower Your 2013 Audi S6 Insurance Cost

Perplexed by the crazy number of insurance options? Many other drivers are as well. People have so many choices that it can turn into a real challenge to find better rates.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Finding cheaper insurance is easy if you know what you’re doing. Nevertheless, consumers need to have an understanding of how the larger insurance companies sell insurance online and use this information to your advantage.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Air Bag Discount – Factory air bags can get savings of up to 25% or more.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on S6 insurance with certain companies.
  • Senior Citizens – Older drivers may qualify for better insurance rates on S6 insurance.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on S6 insurance than drivers with accidents.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will reduce your premiums.

Car insurance companies who might offer these money-saving discounts include:

Check with every prospective company which discounts you may be entitled to. Savings might not be offered in your area.

Factors influencing Audi S6 insurance rates

It’s important that you understand the factors that go into determining the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in better auto insurance rates.

  • No coverage gaps is important – Allowing your auto insurance policy to lapse will be a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, architects and dentists have the highest average rates due to stressful work requirements and long work days. Other jobs such as scientists, historians and performers get better rates on S6 insurance.
  • Pleasure use saves money – The more you drive each year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy is showing the correct driver usage. If your policy improperly rates your S6 can result in significantly higher rates.
  • Higher deductibles cost less – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Audi from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your auto insurance will be on S6 insurance.
  • Better credit means lower rates – Credit history is a huge factor in determining what you pay for auto insurance. If your credit score is not that good, you could pay less to insure your 2013 Audi S6 by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Consolidate policies to earn discounts – Most auto insurance companies will give a discount to people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money. You may still be able to find a better deal by buying auto insurance from a different company.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Do I need roadside assistance coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Are split liability limits better than a combined single limit?
  • Do I need an umbrella policy?
  • When would I need additional glass coverage?
  • Do I need higher collision deductibles?
  • Are my friends covered when driving my car?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Slick advertising tricks that work

Insurance companies such as Allstate, Geico and Progressive continually stream ads on television and other media. They all seem to have a common claim of big savings after switching to them. How can each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer could possibly be a mature driver, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save when they switch companies.

Consumers who don’t measure up to these standards must pay higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can advertise the way they do.

This illustrates why you should quote coverage with many companies. You cannot predict the company that will give you the biggest savings on Audi S6 insurance.

Auto insurance coverage information

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2013 Audi S6.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses like chiropractic care, doctor visits, surgery, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, damage from flooding and theft. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This coverage will pay to fix damage to your S6 resulting 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 coverage pays for things like crashing into a ditch, crashing into a building, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, attorney fees, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Shop smart and save

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Insureds change insurance companies for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, policy non-renewal and even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

We just showed you some good ideas how to shop for 2013 Audi S6 insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the least-expected company.

Additional information is available on the following sites: