Lower Your 2014 Audi S6 Car Insurance Quotes

Confused by the wide range of car insurance companies? Many other consumers are too. People have so many companies to choose from that it can be a big hassle to find the best price.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Although drivers need to learn how insurance companies determine prices and apply this information to your search.

Quick Car Insurance Quotes

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The easiest way to compare 2014 Audi S6 insurance prices is to perform an online rate comparison. This can be done in a couple of different ways.

The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. Completing one form will get you price quotes from several companies. This is perfect if you don’t have a lot of time.

A more difficult way to find lower rates is going to each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, 21st Century and GEICO. You would have to go to every website and enter your information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you require the personal advice of a licensed agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits and deductibles on every quote. If you enter mixed coverages it’s not possible to find the best deal for your Audi S6. Quoting even small variations in coverage limits could mean much higher rates. And when comparison shopping, more quotes helps locate a lower rate.

Best discounts on 2014 Audi S6 coverage

Companies do not list all available discounts very well, so here is a list both the well known and also the lesser-known ways to save on insurance coverage.

Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.
Claim Free – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
55 and Retired – Mature drivers may receive reduced rates on S6 coverage.
Resident Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Drivers Education – Require your teen driver to take driver’s ed class in school.
Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you might need professional guidance.

Is my state a no-fault state?
Can I make deliveries for my home business?
Is my trailer covered?
What happens if I owe more than my 2014 Audi S6 is worth?
Who is covered by my policy?
Do I need more liability coverage?
How can I force my company to pay a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle and hail damage. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like rehabilitation expenses, ambulance fees, doctor visits, chiropractic care and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your S6 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a building, hitting a mailbox, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Audi S6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.