Save on 2008 Audi S6 Car Insurance Rates

Trying to find lower insurance rates for your Audi S6? Feeling guilty for buying overpriced insurance? Don’t feel bad because you’re not the only one.

Because you have many insurance companies to choose from, it can be diffult for drivers to locate a lower cost insurance company.

Lower-cost insurance rates with discounts

Auto insurance companies do not advertise every possible discount in a way that’s easy to find, so the next list breaks down some of the more common in addition to some of the lesser obvious discounts that may be available. If you’re not getting every credit possible, you could be getting lower rates.

  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
  • Paperwork-free – A few larger online companies will provide an incentive just for signing your application on your computer.
  • Military Deployment Discount – Having a family member in the military can result in better rates.
  • Life Insurance – Larger insurance companies have a discount if you purchase some life insurance too.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a small decrease in premiums for S6 insurance.
  • Own a Home and Save – Owning a home may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for S6 insurance depending on your insurance provider.
  • Defensive Driver Discount – Passing a course in safe driver could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Waiver for an Accident – This one is not really a discount per se, but a few companies such as GEICO, State Farm, and Progressive will let one accident slide without raising rates with the catch being you have to be claim-free prior to the accident.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

A few popular companies and their offered discounts are included below.

  • American Family offers discounts for early bird, air bags, accident-free, good driver, and Steer into Savings.
  • Nationwide policyholders can earn discounts including accident-free, business or organization, family plan, easy pay, multi-policy, and defensive driving.
  • MetLife includes discounts for good student, accident-free, claim-free, defensive driver, and multi-policy.
  • 21st Century may offer discounts for good student, theft prevention, defensive driver, 55 and older, anti-lock brakes, and homeowners.
  • Farmers Insurance may have discounts that include electronic funds transfer, business and professional, switch companies, homeowner, and multi-car.
  • Allstate offers discounts including multi-policy, farm vehicle, good student, 55 and retired, senior citizen, and auto/life discount.

Check with each company what discounts are available to you. Depending on the company, some discounts may not apply in your area. If you would like to choose from a list of insurance companies offering insurance discounts, click here.

Find cheaper insurance coverage with these tips

Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent such as your marital status or how financially stable you are.

The items below are a few of the things used by companies to determine prices.

  • Where you reside is a factor – Having an address in small towns and rural areas can save you money when trying to find low car insurance rates. Less people means reduced accidents in addition to lower liability claims Drivers who live in large cities have congested traffic and much longer commute distances. More time on the road translates into higher accident risk.
  • Insurance premiums and driver gender – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Both genders tend to get into fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DWI (DUI) or reckless driving.
  • Buy a safe car and pay less – Safe vehicles tend to have better insurance rates. Safer cars reduce injuries and lower injury rates translates directly to fewer claims and thus lower rates. If your Audi S6 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Cheaper rates after marriage – Getting married can actually save you money when shopping for insurance coverage. Having a significant other generally demonstrates drivers are less irresponsible and insurance companies like that being married results in fewer claims.
  • Driving citations hurt – Your driving citation history can have a huge impact on auto insurance premiums. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Having just one chargable violation can increase rates by as much as thirty percent. People who have careless tickets such as DWI, reckless driving or hit and run convictions may be required to complete a SR-22 with their state motor vehicle department in order to continue driving.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine whether or not you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I drive in Mexico and have coverage?
  • How much liability insurance is required?
  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Buyer beware of car insurance advertising tricks

Allstate and Progressive regularly use ads on television and other media. They all make the same claim that you can save if you change your coverage to them. Is it even possible that every company can offer drivers better rates?

Most companies give the best rates for the type of insured that is profitable for them. A good example of this type of insured may need to be between the ages of 40 and 55, has never had a policy lapse, and drives a safe vehicle. Any driver that meets those criteria will get a cheap rate quote and most likely will cut their rates substantially.

Insureds who do not meet this ideal profile must pay a higher rate with the end result being business going elsewhere. The trick is to say “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make those claims. Each company has different criteria, so you really should compare many company’s rates. Because without a comparison, you cannot know with any certainty which company will have the lowest rate quotes.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for funeral costs, prosthetic devices, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, bail bonds, repair costs for stationary objects, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage covers damage to your S6 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2008 Audi S6.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Pennies from heaven

As you quote insurance, never reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

A few companies don’t offer online quoting and usually these regional carriers sell through independent agents. The cheapest 2008 Audi S6 insurance is possible online as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.

Additional auto insurance information is available on the following sites: