I can’t think of anyone who cherishes buying car insurance, especially when they are paying too much.
Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies to find the cheapest price
If you have car insurance now, you should be able to lower your premiums substantially using these methods. Finding the best rates is quite easy. Although car owners do need to learn how the larger insurance companies price insurance differently and take advantage of how the system works.
Cut your car insurance rates with discounts
Companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using.
- Homeowners Savings – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.
- Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
- Auto/Home Discount – If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Federal Employees – Simply working for the federal government could cut as much as 10% off for S6 insurance with certain companies.
- College Student – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
- New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Keep in mind that some credits don’t apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.
For a list of providers who offer car insurance discounts, click here.
You are unique and your car insurance should be too
When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.
- Why is insurance for a teen driver so high?
- Do I qualify for additional discounts?
- Should I buy only the required minimum liability coverage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- When should I remove comp and collision on my Audi S6?
- What is covered by UM/UIM coverage?
- I don’t drive much so do I pay less?
- Exactly who is provided coverage by my policy?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Save 15 percent in 15 minutes? Is it for real?
Car insurance providers like GEICO, State Farm and Progressive continually stream ads on television and other media. They all make the same claim that you’ll save big after switching to their company. How can each company claim to save you money? It’s all in the numbers.
Insurance companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could be a mature driver, insures multiple vehicles, and has excellent credit. A customer getting a price quote who matches those parameters will get very good rates and therefore will save a lot of money.
Drivers who do not match the requirements must pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much. That’s the way companies can state the savings. This illustrates why it is so important to get a wide range of price quotes. You cannot predict which insurance companies will have the lowest rates.
In the end, you save
Throughout this article, we presented a lot of ways to compare Audi S6 insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest rates come from the smaller companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price while still protecting your assets.
