Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to find cheap insurance can seem to be very difficult for drivers not familiar with online insurance quotes. People have so many companies to choose from that it can turn into a chore to compare prices.

Pricing the cheapest coverage is simple if you know the tricks. Basically, anyone who has to buy auto insurance stands a good chance to be able to lower their premiums. But drivers must understand the way companies market insurance on the web and take advantage of how the system works.

Save a ton with these discounts

Auto insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply when you quote, but a few need to be asked for before they will apply.

  • Federal Employees – Federal government employees could provide a small rate reduction for S6 insurance but check with your company.
  • E-sign – Certain insurance companies will give a small break just for signing your application digitally online.
  • Driver Safety – Participating in a defensive driving class could possibly earn you a 5% discount if your company offers it.
  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates for S6 insurance compared to rates paid by drivers with frequent claims.
  • Switch and Save Discount – Some larger companies reward drivers for renewing your policy before your current coverage expires. The savings is around 10%.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

A few popular companies and a selection of discounts are shown below.

  • American Family offers discounts including bundled insurance, multi-vehicle, TimeAway discount, air bags, and Steer into Savings.
  • Nationwide policyholders can earn discounts including good student, anti-theft, defensive driving, business or organization, Farm Bureau membership, multi-policy, and accident-free.
  • MetLife has savings for defensive driver, accident-free, good driver, good student, claim-free, multi-policy
  • 21st Century may offer discounts for 55 and older, air bags, early bird, automatic seat belts, and anti-lock brakes.
  • Farmers Insurance discounts include multi-car, good student, switch companies, alternative fuel, electronic funds transfer, early shopping, and business and professional.
  • Allstate has discounts for farm vehicle, premier plus, new car, utility vehicle, FullPay discount, defensive driver, and senior citizen.

Check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your state. If you would like to view companies with significant discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to find affordable auto insurance

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You could spend your day talking to agents in your area, or you can utilize online quoting to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers send in one quote, and each company then gives them pricing determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which insurance companies you want pricing from. So if you want to select specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Which method you use is up to you, but make darn sure you compare equivalent coverage limits for each comparison quote. If you are comparing different limits and deductibles on each one it will be nearly impossible to determine which rate is truly the best. Slightly different coverages can make a big difference in price. Keep in mind that more quotes will enable you to find a better price. Some regional insurers cannot provide rate quotes online, so it’s necessary to compare prices on coverage from those companies, too.

Insurance coverage can be complex

When it comes to choosing the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions may help highlight if you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • If my 1995 Audi S6 is totaled, can I afford another vehicle?
  • How does medical payments coverage work?
  • Is my trailer covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I pay less for low miles?
  • Do I need added coverage for expensive stereo equipment?
  • What discounts do I qualify for?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage specifics

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like attorney fees, court costs and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, theft, a tree branch falling on your vehicle, fire damage and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for hospital visits, surgery and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your S6 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

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

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Smart consumers save more

Lower-priced 1995 Audi S6 insurance is definitely available online and with local insurance agents, so you should compare both to get a complete price analysis. Some companies don’t offer the ability to get quotes online and usually these small, regional companies prefer to sell through independent insurance agencies.

Consumers switch companies for many reasons like delays in paying claims, delays in responding to claim requests, being labeled a high risk driver or even high prices. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

We just presented quite a bit of information on how to get a better price on 1995 Audi S6 insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest premium rates come from the least-expected company.

Helpful information