2003 Audi RS 6 Insurance Cost

Have you fallen victim to an expensive car insurance policy? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have many insurance companies to choose from, and though it is a good thing to have a choice, more choices can make it harder to find a good deal.

You should make it a habit to do rate comparisons at least once a year because prices fluctuate regularly. Even if you got the best deal for RS 6 insurance a few years ago there is a good chance you can find better rate quotes now. You’ll find a ton of advice on car insurance online but we’re going to give you the easiest ways to save money.

Affordable car insurance rate quotes

There are a lot of ways to compare car insurance prices but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote based on that information. This prevents consumers from doing quotation requests for every car insurance company. To compare rates using this form now click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify the insurers to get pricing from. If you would rather choose specific insurance companies to compare, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you are using the exact same coverage limits on every price quote you get. If you use differing limits it’s not possible to find the best deal for your Audi RS 6. Having just a slight variation in insurance coverages can result in a big premium difference. And when price shopping your coverage, getting more free quotes helps you find the best offered rates. Not every company allows you to get online rate quotes, so it’s recommended that you also compare prices from them as well.

Six discounts for lower-cost auto insurance rates

Buying auto insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but a few must be specifically requested before you will receive the discount.

College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
Homeowners Savings – Just being a homeowner can save you money because owning a home is proof that your finances are in order.
Air Bag Discount – Factory air bags or automatic seat belts could see savings as much as 30%.
Multiple Cars – Purchasing coverage when you have primary and secondary vehicles with the same auto insurance company can reduce rates for all insured vehicles.
Discount for Swiching Early – A few auto insurance companies offer discounts for signing up prior to the expiration date on your current policy. The savings is around 10%.
Onboard Data Collection – Insureds who allow companies to scrutinize driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.

The best auto insurance companies and some of the discounts are:

State Farm offers discounts including multiple policy, accident-free, good driver, student away at school, defensive driving training, driver’s education, and good student.
Farmers Insurance has savings for switch companies, alternative fuel, distant student, early shopping, and teen driver.
Progressive offers discounts for online quote discount, good student, continuous coverage, multi-policy, online signing, multi-vehicle, and homeowner.
GEICO policyholders can earn discounts including military active duty, defensive driver, daytime running lights, membership and employees, seat belt use, air bags, and emergency military deployment.
Auto-Owners Insurance includes discounts for student away at school, group or association, anti-lock brakes, multi-policy, and safe vehicle.
The Hartford has discounts for vehicle fuel type, good student, driver training, air bag, defensive driver, and anti-theft.
Farm Bureau may include discounts for multi-policy, good student, renewal discount, safe driver, 55 and retired, driver training, and youthful driver.
USAA discounts include annual mileage, military installation, good student, new vehicle, and loyalty savings.

When quoting, ask every company how many discounts you can get. Discounts might not be offered on policies everywhere. To choose providers with discount rates, click here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

Why am I required to buy high-risk coverage?
Is my camper covered by my car insurance policy?
What is the difference between comprehensive and collision coverage?
Can I afford low physical damage deductibles?
Are my friends covered when driving my car?
Do I need roadside assistance coverage?
Is my Audi RS 6 covered if I use it for business?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi RS 6.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage pays for damage to your RS 6 resulting from colliding 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 protects against things such as crashing into a building, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability insurance

Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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. As an example, you may have values of 50/100/50 that means you have $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. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

2003 Audi RS 6 Insurance Cost – 6 Tips to Save