2013 Audi S6 Insurance Quotes – 9 Ideas for Cheapest Rates

Want lower car insurance rates for your Audi S6? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have so many car insurance companies to choose from, and even though it’s nice to have a choice, it can be more difficult to compare rates.

It’s a great practice to price shop coverage quite often because prices change quite often. Even if you got the lowest rates on S6 insurance six months ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re going to learn the only way to remove unneeded coverages and save money.

How to Compare Car Insurance Costs

All the larger car insurance companies allow you to get prices for coverage online. Obtaining pricing is quite easy as you just type in your coverage information into a form. After you complete the form, their system requests credit information and your driving record and provides a quote based on these factors. Online price quotes simplifies rate comparisons, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible in order to get the best price on car insurance.

An easier way to get multiple rate quotes utilizes a single form that obtains quotes from more than one company. It saves time, requires much less work on your part, and makes online shopping much more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any or none of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To compare rates using this form now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you enter coverages and limits as close as possible to your current policy. This way, you will have a rate comparison for the exact same coverage.

Pay less for 2013 Audi S6 insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of quoting, but a few must be specially asked for prior to receiving the credit. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Drive Less and Save – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on S6 insurance than drivers with accident claims.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance coverage rates on S6 insurance.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.

Consumers should know that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will cut your overall premium however.

A partial list of companies who might offer these benefits include:

Double check with each company which discounts they offer. Savings may not apply in every state.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Should I get collision insurance on every vehicle?
  • Am I covered when driving someone else’s vehicle?
  • When can my company non-renew my policy?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when using my vehicle for business?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Is there deception in advertising?

Consumers can’t get away from ads that promise big savings by Allstate, Geico and Progressive. All the ads say the same thing of big savings after switching to their company.

But how can every company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Drivers who don’t measure up to this ideal profile will be charged more money which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

That is why you absolutely need to get as many comparisons as possible. You cannot predict which insurance companies will have the lowest Audi S6 insurance rates.

Car insurance coverages for an Audi S6

Having a good grasp of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, vandalism, theft and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, ambulance fees, pain medications, X-ray expenses and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, structural damage, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2013 Audi S6.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

Collision coverage will pay to fix damage to your S6 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

More effort can pay off

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We’ve covered quite a bit of information on how to shop for 2013 Audi S6 insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from the smaller companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Helpful learning opportunities