2015 Audi S6 Insurance Quotes – 8 Savings Tips

Want lower insurance coverage rates for your Audi S6? Feeling guilty for buying an expensive insurance coverage policy? Believe me, many drivers feel the same as you.

Numerous insurers battle for your business, and it can be difficult to compare rates to find the best rate

Smart consumers take time to quote other rates on a regular basis because prices change quite often. If you had the best deal for S6 insurance a couple years back a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to buy cheaper insurance coverage.

Cheaper rates with these eight insurance discounts

Insurance is easily one of your largest bills, but you may qualify for discounts to help offset the cost. Most are applied when you quote, but some must be asked for prior to getting the savings. If you aren’t receiving every discount available, you could be paying more than you need to.

  • Multi-policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you may save 10% to 20% off each policy.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
  • First Accident Forgiveness – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
  • Driving Data Discount – People who choose to allow driving data collection to analyze driving manner remotely such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
  • Student Discounts – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Home Ownership Discount – Owning a house can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.

One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck.

To view insurance companies with the best discounts, follow this link.

Car insurance can get complicated

When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Can my babysitter drive my car?
  • Is pleasure use cheaper than using my 2015 Audi S6 to commute?
  • How can I force my company to pay a claim?
  • When can I cancel my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when delivering products for my home-based business?
  • What if I total my 2015 Audi S6 and owe more than it’s worth?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, medical expenses and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive can pay for things such as rock chips in glass, fire damage, hitting a deer and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, dental work, prosthetic devices, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your S6 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, scraping a guard rail, damaging your car on a curb, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

More choices the merrier

When searching for low cost car insurance quotes, don’t be tempted to reduce needed coverages to save money. There have been many cases where an insured cut full coverage and learned later that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Throughout this article, we presented some good ideas how you can lower your 2015 Audi S6 insurance prices. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the most savings is with some of the lesser-known companies. Regional companies often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

Some insurance providers don’t offer rates over the internet and most of the time these regional insurance providers provide coverage only through local independent agents. Lower-priced car insurance can be found on the web as well as from insurance agents, and you should compare price quotes from both to have the best selection.

Much more information about car insurance can be read on the following sites: