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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 3, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Cutting costs on insurance coverage might be slightly frustrating for drivers who are beginners to comparing prices online. Consumers have so many options available that it can be a challenge to lower your prices.

You should take the time to quote other rates once or twice a year because prices change regularly. Just because you had the lowest rate on S6 coverage a couple years back a different company probably has better premium rates today. Ignore everything you know about insurance coverage because I’m going to teach you the best way to find better rates and still maintain coverage.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. Finding affordable auto insurance coverage is not that difficult. But consumers need to have an understanding of the methods companies use to determine prices and take advantage of how the system works.

Why you might pay lower rates

Many factors are considered when you quote your car insurance policy. Some are obvious like an MVR report, but others are more obscure such as your credit history or your vehicle rating.

  • Don’t get traffic citations – Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Getting just one speeding ticket can increase the cost of insurance by as much as twenty percent. Drivers who have gotten multiple tickets like DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Liability protection risk factors in – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. Liability is cheap compared to other policy coverages, so do not skimp.
  • Your gender affects premiums – Statistics show females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Men and women cause at-fault accidents at about the same rate, but men have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Raise coverage deductibles and save – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some instances where coverage would apply could be a broken windshield, vandalism, and damage caused by flying debris. The deductibles define the amount you are willing to pay before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on S6 coverage.
  • Insurance rates in urban areas – Having an address in areas with lower population may provide you with better prices when insuring your vehicles. People who live in big cities have more traffic problems and a longer drive to work. Fewer drivers on the road means less chance of accidents in addition to fewer liability claims.
  • Premiums drop with age – Inexperience drivers tend to be more careless when behind the wheel so auto insurance rates are higher. Adding a teen driver onto your auto insurance can break the bank. Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and receive fewer citations.
  • Alarms and GPS tracking systems cut auto insurance rates – Purchasing a vehicle with advanced anti-theft systems can save you some money. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.

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

secured lock Secured with SHA-256 Encryption

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Many companies participate in a marketplace that enables customers to enter their policy data once, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only downside to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you want to select specific providers to receive pricing from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing apples-to-apples information with every price quote. If the quotes have different limits and deductibles on each one it will be next to impossible to determine which company has the best rates. Even a minor difference in insurance coverages could throw off the whole comparison. And when comparison shopping, comparing a wide range of rates provides better odds of finding more affordable rates. Not every company allows you to get online rate quotes, so you also need to get prices from those companies as well.

Tricks in auto insurance advertising

Popular auto insurance providers such as GEICO, State Farm and Progressive seem to constantly run television and radio advertisements. All the companies state the claim of big savings if you just switch to them. Is it even possible that every company can charge lower premium rates? Here is how they do it.

Insurance providers give the best rates for the right customer that earns them the most money. A good example of a profitable customer could possibly be over the age of 40, has few claims, and does not commute to work. Any driver who matches that profile will most likely get cheap premium rates and most likely will save when switching.

Insureds who may not quite match those standards will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everyone who quotes” save that much. That is how insurance companies can advertise the way they do. Because of the profiling, drivers should do a rate comparison at every renewal. It’s just not possible to know the company that will fit your personal profile best.

Verify you’re applying every discount

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Certain reductions will be credited when you quote, but some need to be asked about prior to receiving the credit.

  • Discounts for New Vehicles – Buying a new car instead of a used car can save you some money because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before your rates go up if you have no claims prior to the accident.
  • Bundle and Save – When you combine your auto and home insurance and insure them with the same company you could get a discount of up to 20% off your total premium.
  • Senior Citizens – Mature drivers may qualify for better auto insurance rates on S6 coverage.

Don’t be surprised that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies that have many of the previously listed discounts are:

When getting a coverage quote, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier may not apply everywhere. To find providers with the best auto insurance discounts, click here.

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

secured lock Secured with SHA-256 Encryption

When should I discuss my situation with an agent?

When buying proper insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions may help you determine if your situation will benefit from professional help.

  • Do I need replacement cost coverage on my 2003 Audi S6?
  • When would I need rental car insurance?
  • What is PIP insurance?
  • Is my babysitter covered when using my vehicle?
  • Do I need replacement cost coverage?
  • What is roadside assistance coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Insurance coverage specifics

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Audi S6.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles, legal defense fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your S6 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield, hail damage and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, chiropractic care, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Knowledge is power

Some insurance companies may not provide price quotes online and usually these smaller providers provide coverage only through independent agents. The cheapest 2003 Audi S6 insurance is definitely available on the web and from local agencies, and you need to price shop both to have the best selection.

Insureds change insurance companies for any number of reasons including unfair underwriting practices, policy non-renewal, questionable increases in premium or even delays in responding to claim requests. Regardless of your reason, switching companies is actually quite simple.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

More tips and info about insurance is located in these articles: