2021 Audi S6 Insurance Rates in 2024 – 5 Ideas for Best Quotes

Are you at wits end from not being able to scrape enough together to pay high insurance rates every month? You are in the same boat as the majority of other people.

Insurance companies such as GEICO, 21st Century and Progressive promote their brand names with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

How to buy insurance

Most larger insurance companies like Allstate and Progressive allow you to get prices on their websites. Obtaining pricing is fairly straightforward because it’s just a matter of typing in your required coverages on the page. After you complete the form, the system makes automated requests for your driving record and credit report and generates pricing information. Online quotes makes it a lot easier to compare rates but the work required to visit a lot of sites and type in the same data is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you want to get better insurance pricing.

A better way to lower your rates utilizes a single form that obtains quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much easier. As soon as the form is sent, it is quoted and you are able to buy any or none of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, simply enter your zip code here and complete the simple form. If you have a policy now, it’s recommended that you enter the insurance coverages as close as possible to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

These five discounts can lower insurance coverage rates

Some companies don’t always advertise every available discount very well, so the next list breaks down some of the best known and also the lesser-known credits available to bring down your rates.

• Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
• Accident Free – Insureds with no claims or accidents can earn big discounts as compared to bad drivers.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
• Switch and Save Discount – Some companies provide a discount for buying a policy before your current policy expires. It could save around 10% when you buy insurance coverage online.
• Accident Waiver – Not necessarily a discount, but companies like GEICO and Liberty Mutual will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall bill.

Popular insurance coverage companies and their offered discounts are shown below.

• State Farm discounts include anti-theft, Drive Safe & Save, safe vehicle, multiple autos, accident-free, driver’s education, and passive restraint.
• GEICO has discounts for defensive driver, seat belt use, anti-theft, membership and employees, daytime running lights, and five-year accident-free.
• Progressive includes discounts for online quote discount, continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
• 21st Century may have discounts that include teen driver, automatic seat belts, anti-lock brakes, good student, and early bird.
• American Family policyholders can earn discounts including defensive driver, mySafetyValet, TimeAway discount, bundled insurance, and early bird.
• The Hartford offers discounts including bundle, anti-theft, good student, air bag, vehicle fuel type, driver training, and defensive driver.
• AAA has savings for good student, education and occupation, AAA membership discount, multi-policy, and multi-car.

If you want the cheapest insurance coverage quotes, ask each company or agent which discounts you qualify for. Some discounts listed above might not be available to policyholders in your state. To find companies with discount rates, enter your zip code here.

When do I need an agent’s advice?

When buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions could help you determine if your situation may require specific advice.

• Why does it cost so much to insure a teen driver?
• Do I need replacement cost coverage?
• Do I pay less if my vehicle is kept in my garage?
• Does car insurance cover theft of personal property?
• What should my uninsured motorist coverage limits be in my state?
• What is roadside assistance coverage?
• Should I rate my 2021 Audi S6 as pleasure use or commute?
• Is Motor Club coverage worth it?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Auto insurance coverage basics

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Collision insurance

This will pay to fix damage to your S6 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, crashing into a ditch, sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, structural damage, loss of income, pain and suffering and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, EMT expenses, X-ray expenses, dental work and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield, theft and hail damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

A little work can save a LOT of money

Lower-priced car insurance is available both online as well as from independent agents, so you should compare both to get a complete price analysis. Some companies do not offer rates over the internet and usually these regional insurance providers sell through independent agencies.

When you buy insurance coverage online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.