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: Aug 6, 2018

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Did a good deal turn out to be high-priced insurance? Trust us, there are lots of people in the same boat.

Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to find the lowest rate possible.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is quite easy. Nevertheless, consumers must learn how companies sell insurance online.

Ways to get auto insurance quotes

When shopping for auto insurance there are multiple ways to obtain and compare prices from all the different companies. The easiest way to find affordable Audi S6 insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

  • One of the fastest ways to find low rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quotation requests to each individual auto insurance company. One form will return quotes instantly.
  • A slightly less efficient method to shop for auto insurance online requires a visit to the website of each company and repeat the quote process. For examples sake, let’s assume you want to see prices from Auto-Owners, Safeco and GEICO. To do that, you would have to take the time to go to each site to enter your coverage information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but do your best to use the exact same coverage limits and deductibles for every quote you compare. If you compare mixed coverages it’s impossible to make an equal comparison. Even a minor difference in limits may result in a large different in cost. And when quoting auto insurance, remember that making a lot of price comparisons helps locate better pricing. Some regional insurers cannot provide online price quotes, so you should also compare prices from them as well.

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

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Discounts for affordable insurance quotes

Some insurance providers do not list every available discount very clearly, so below is a list a few of the more well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Professional Memberships – Participating in qualifying clubs or civic groups could trigger savings when shopping for insurance.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Discount for Swiching Early – Select larger companies give a discount for switching companies before your current coverage expires. It’s a savings of about 10%.
  • Sign Online – Many larger companies will give you a small discount for buying a policy and signing up online.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works. But any discount will cut the premium cost.

Auto insurance companies that have most of these discounts are:

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. If you would like to see a list of companies who offer discounts, click this link.

You may need specialized auto insurance coverage

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether or not you might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Am I covered if I hit a deer?
  • Which is better, split liability limits or combined limits?
  • Is my camper covered by my car insurance policy?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

How insurers calculate Audi S6 insurance premiums

Lots of things are considered when pricing auto insurance. A few of the factors are predictable like an MVR report, but other factors are less apparent like where you live or your financial responsibility.When buying insurance coverage it’s important to understand some of the things that are used to determine the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that could help you find lower premium levels.

Listed below are some of the most rate-impacting factors companies use to determine rates.

  • Increase coverage deductibles to save – Physical damage deductibles define the amount you are required to spend if the claim is covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims could be rearending another vehicle, vandalism, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the lower your rates will be for S6 insurance.
  • Premiums are high for teenagers – Drivers with little experience are known to be more careless when at the wheel of a vehicle so insurance coverage rates are higher. Older drivers have been proven to be more responsible, tend to cause fewer accidents , and are generally more financially stable.
  • Gender and auto insurance rates – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. They both are responsible for at-fault accidents at a similar rate, but the male of the species have costlier accidents. In addition to higher claims, males also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 generally have the highest accident percentage and therefore pay the highest rates.
  • Premiums increase with driving tickets – Your driving record influences premium rates substantially. Even a single chargable violation may cause rates to rise by as much as twenty percent. Attentive drivers have lower premiums compared to bad drivers. Drivers who have multiple tickets like DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • You might want pay the minor insurance coverage claims yourself – If you file claims often, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Insurance companies award lower rates to drivers who do not rely on their insurance for small claims. Auto insurance is designed for claims that pose a financial burden.
  • Cut premiums and deter theft – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.
  • No policy lapses lowers rates – Having a gap between insurance policy dates is a guaranteed way to drive up your policy premiums. In addition to paying higher rates, getting caught without coverage will get you fines or a revoked license. You may then be required to file a SR-22 with your state department of motor vehicles.
  • Drivers with responsible credit save on insurance coverage – An insured’s credit score is likely to be a major factor in determining premium rates. Therefore, if your credit rating is low, you could pay less to insure your 2009 Audi S6 if you improve your credit rating. Insureds that have high credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings.

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Insurance policy specifics

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for pain medications, ambulance fees, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for liability – Liability insurance provides protection from damage that occurs to people or other property in an accident. This insurance 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. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like repair costs for stationary objects, funeral expenses, court costs, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your S6 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Make an honest buck

Some insurance companies may not have online rate quotes and these regional carriers only sell coverage through local independent agencies. Lower-priced insurance coverage can be bought online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis.

As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

More tips and info about insurance coverage is located in the articles below: