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: Sep 3, 2018

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Trying to find cheaper insurance coverage rates for your Audi S6? I really doubt anyone gets a kick out of paying for insurance coverage, especially when they could get a better deal.

Due to the abundance of companies and agents to choose from, it is very difficult to locate a lower cost insurance coverage provider.

You need to price shop coverage at least once a year because insurance coverage rates are constantly changing. Despite the fact that you may have had the best deal for S6 insurance on your last policy you will most likely find a better price today. There is a lot of wrong information about insurance coverage online, but in a few minutes you can learn some great ways to slash your insurance coverage rates.

Buy insurance coverage online

To find the best insurance coverage rates, there are several ways to compare prices from companies that offer insurance coverage in your state. The best method to lower the rate you pay for 2013 Audi S6 insurance is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

The first (and easiest) way to get quotes would be an industry-wide quote request form click here to open form in new window. This style of form keeps you from doing boring form submissions for every company. A single form gets prices estimates from all major companies.

A slightly less efficient method to find more affordable insurance is to manually visit each company website to complete their respective quote request forms. For instance, we’ll assume you want to compare Progressive, Liberty Mutual and Farmers. To get rate quotes you would need to go to every website and enter your information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just try to use equivalent coverage limits and deductibles for every quote you compare. If you are comparing higher or lower deductibles then you won’t be able to make an equal comparison. Having just a slight variation in insurance coverages or limits can result in a big premium difference. And when comparison shopping, comparing all the rates in your area helps improve the odds of finding lower pricing. Some regional insurers cannot provide prices over the internet, so it’s important to compare price quotes from those companies as well.

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

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Big names are not always cheapest

Allstate and Progressive consistently run ads in print and on television. They all convey the message about how much you will save just by moving your coverage. How does every car insurance company make the same claim? Just pay attention to how they say it.

Car insurance companies have an ideal profile for the type of insured that will generate a profit. For instance, a preferred risk might have to be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A driver who fits that profile will get low premium rates and as a result will probably save a lot of money.

Consumers who do not match those standards will have to pay a higher premium and ends up with the customer not purchasing. The ads state “people who switch” but not “everyone who gets a quote” save that much money. That is how companies can make it sound like they have such great auto insurance rates.

Because of these techniques, drivers should do a rate comparison at every renewal. You cannot predict which company will have the lowest rates for your situation.

Informed drivers know how to find insurance at a discount

Consumers need to have an understanding of some of the elements that help determine your insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in better insurance rates.

Shown below are some of the most common factors used by your company to calculate prices.

  • Consolidate policies and save money – Some insurance companies afford better rates to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you still need to compare other insurance prices to guarantee you are still saving the most. Consumers may save money by buying from different companies
  • Certain jobs raise premiums – Occupations such as lawyers, architects and financial analysts generally pay higher premiums than the average policyholder in part from high stress and long work days. On the flip side, careers like professors, students and the unemployed generally pay rates lower than average for S6 insurance.
  • Good drivers pay less – A bad driving record impacts premiums far more than you think. Having just one ticket can increase the cost of insurance forty percent or more. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have gotten careless citations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Continuous insurance coverage lowers premiums – Having a lapse in insurance coverage will be a quick way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance may result in fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Pay more out-of-pocket – The deductibles you choose state the amount of money the insured will be required to pay if you file a covered claim. Physical damage coverage, also called ‘full coverage’, protects your car from damage. Some coverage claims could be colliding with a stationary object, hail damage, and damage caused by road hazards. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance for S6 insurance.

Discounts for cheaper insurance rates

Some companies do not list their entire list of discounts in an easy-to-find place, so the list below details a few of the more well known and also the lesser-known credits available to you.

  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Professional Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Service Members Pay Less – Being deployed in the military may lower your rates slightly.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
  • Driver Safety – Taking a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with one company can get a discount on all vehicles.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for S6 insurance depending on your insurance provider.
  • Low Mileage – Driving fewer miles can qualify you for cheaper premium rates.
  • Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates in comparison to insureds who have frequent claims or accidents.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

To locate insurers that offer the discounts shown above, click this link.

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

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You may need specialized car insurance coverage

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need professional guidance.

  • Does my 2013 Audi S6 qualify for pleasure use?
  • Does my insurance cover a custom paint job?
  • I have health insurance so do I need medical payments coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I get my company to pay me more for my totalled car?
  • Does my car insurance cover rental cars?
  • Will filing a claim cost me more?
  • Do I need roadside assistance coverage?
  • Who is covered when they drive my 2013 Audi S6?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance policy coverages for an Audi S6

Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Audi S6.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, 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 one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, medical expenses and emergency aid. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, chiropractic care, nursing services, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

You just read many tips how you can compare 2013 Audi S6 insurance prices online. The key thing to remember is the more you quote car insurance, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small mutual company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

When trying to cut insurance costs, never buy poor coverage just to save money. Too many times, an insured dropped full coverage to discover at claim time that it was a big mistake. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Additional information can be read at the links below