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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Want the cheapest insurance coverage rates for your Audi S6? Have you had enough of robbing Peter to pay Paul to make your insurance coverage payment? You have the same problem as many other vehicle owners.

With so many insurance companies to choose from, it is very difficult to choose a lower cost insurance company.

This information will familiarize you with the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. But car owners should learn how insurance companies compete online and take advantage of how the system works.

The fastest way that we advise to get policy rate comparisons is to know all the major auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide a small amount of information such as how much coverage you want, your general credit rating, daily mileage, and how much education you have. Those rating factors is instantly submitted to multiple insurance providers and they return cost estimate within a short period of time.

To compare rates for your 2008 Audi S6 now, click here and find out if you can get cheaper insurance.

Don’t be fooled by advertising claims

Big name companies like Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to state the claim about savings just by switching your policy. How does each company have lower policy pricing? Just pay attention to how they say it.

Insurance providers give the best rates for the type of customer that will generate a profit. An example of a profitable customer may be a mature driver, has few claims, and has excellent credit. Any person that hits that “sweet spot” receive the lowest rate quotes and as a result will probably cut their rates substantially.

Insureds who do not fit this ideal profile must pay higher rates and ends up with the customer buying from a different company. The ad wording is “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can advertise the savings.

Because of the profiling, it is so important to compare free car insurance quotes often. Because without a comparison, you cannot know the company that will have the lowest rates.

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

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Buy Audi S6 insurance at a discount

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but others are not as apparent like where you live or how safe your car is.

  • Small frequent claims are not good – If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance companies provide the best rates to policyholders that do not abuse their auto insurance. Insurance coverage is designed for more catestrophic claims.
  • Lower rates by increasing physical damage deductibles – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your Audi. Some examples of claims that would be covered could be collision with another vehicle, hitting a deer, and rolling your vehicle. The deductibles tell how much the insured will be required to pay before your auto insurance pays a claim. The more damage repair cost you have to pay, the bigger discount you will receive on S6 coverage.
  • Higher rates for coverage lapses – Letting your insurance expire is a quick way to increase your auto insurance rates. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license. You may then be required to file a SR-22 with your state motor vehicle department.
  • Liability is critical – Your auto insurance policy’s liability coverage will protect you in the event that you are responsible for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Prevent theft and save money – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
  • How many coverages with the same company – Most major auto insurance companies give lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.

Pay discount rates with these discounts

The price of auto insurance can be rather high, but you may find discounts that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be requested specifically before you will receive the discount.

  • Responsible Driver Discounts – Insureds without accidents may save up to 50% more on S6 coverage than drivers with accidents.
  • Sign Early and Save – A few insurance companies offer discounts for renewing your policy prior to your current policy expiration. It could save around 10% when you buy car insurance online.
  • Telematics Data – Drivers who agree to allow their auto insurance company to spy on driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Homeowners Discount – Owning a house may earn you a small savings since owning and maintaining a home demonstrates responsibility.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The good student discount can last until age 25.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars or trucks on the same auto insurance policy can reduce the rates for all insured vehicles.

As a sidenote, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

Companies and their offered discounts are outlined below.

  • State Farm has discounts for anti-theft, good student, defensive driving training, student away at school, and multiple policy.
  • American Family includes discounts for TimeAway discount, accident-free, mySafetyValet, Steer into Savings, and early bird.
  • GEICO may offer discounts for driver training, daytime running lights, multi-vehicle, anti-theft, defensive driver, and air bags.
  • 21st Century policyholders can earn discounts including defensive driver, automatic seat belts, theft prevention, air bags, driver training, and good student.
  • Progressive discounts include online signing, multi-vehicle, good student, homeowner, continuous coverage, and multi-policy.

If you want low cost car insurance quotes, ask each company how many discounts you can get. Discounts may not apply to policies everywhere.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining whether or not you could use an agent’s help.

  • What is the minimum liability in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • Can I still get insurance after a DUI?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

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

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Auto insurance policy specifics

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single 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, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision – This coverage covers damage to your S6 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and hail damage. The maximum payout 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.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, chiropractic care, dental work, ambulance fees and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More quotes. Lower rates.

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the lowest possible cost while still protecting your assets.

Throughout this article, we presented some good ideas how you can compare 2008 Audi S6 insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

Additional insurance coverage information can be found below: