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: Dec 28, 2017

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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.

Are you tired of sacrificing other expenses to buy insurance coverage? Your situation is no different than many other consumers.

You have multiple car insurance companies to pick from, and although it’s nice to have a selection, lots of choices makes it harder to find the lowest cost provider.

You should take the time to compare rates once or twice a year because insurance rates change regularly. Just because you had the best rate for S6 coverage two years ago there may be better deals available now. There is too much inaccurate information about insurance coverage out there, but we’re going to give you some of the best techniques to stop overpaying for insurance.

Find discounts on insurance coverage

Car insurance companies don’t always publicize every discount in an easy-to-find place, so the below list has a few of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online. If you don’t get every credit you deserve, you could be getting lower rates.

  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for S6 coverage compared to rates paid by drivers with frequent claims.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students up to age 25.
  • Multi-policy Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for S6 coverage.
  • Discount for Swiching Early – A few insurance coverage companies give discounts for renewing your policy prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
  • Homeowners Discount – Owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • E-sign Discounts – Some of the larger companies give back up to $50 for buying your policy on the web.

Discounts lower rates, but most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will lower your policy premium.

Some companies that may offer policyholders most of these discounts include:

It’s a good idea to ask each company or agent how many discounts you can get. Some discounts listed above might not be available to policyholders everywhere. If you would like to view companies with discount insurance coverage rates, click here.

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

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Compare quotes for insurance coverage

The are a couple different ways of comparing rate quotes from local insurance coverage companies. The quickest method to comparison shop is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

The fastest and easiest way to find low rates is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating separate quotation requests for each company you want a rate for. In just a few minutes this one form will return price quotes from multiple companies.

A slightly less efficient method to get comparison quotes is to take the time to go to each individual company website to complete their respective quote request forms. For example, we’ll assume you want rates from GEICO, Progressive and Farmers. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker. For a list of companies in your area, click here.

Compare rates however you want, just be sure to compare identical coverages and limits for each quote you get. If you enter mixed coverages you will not be able to determine which company has the best rates. Having just a slight variation in insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing more rates from different companies helps increase your odds of locating a lower rate.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I really need UM/UIM coverage?
  • Do I have coverage if my license is suspended?
  • Where can I get insurance after a DUI in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Liability car insurance

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

This coverage will pay to fix damage to your S6 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Audi S6.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

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

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In conclusion

More affordable insurance coverage can be sourced online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not offer online rate quotes and many times these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

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