Searching for better insurance prices for an Audi RS6 can be a painful process, but you can follow a few tricks to find lower rates.
There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to get price quotes for a new or used Audi and get the best price possible.
It’s smart to get comparison quotes once or twice a year since rates fluctuate regularly. Just because you had the lowest rates for RS6 insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.
Car Insurance Comparisons
Reducing your Audi RS6 insurance rates doesn’t have to be difficult. You just have to spend a little time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.
- The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quote forms for each company you want a rate for. A single, simple form compares rates from several companies.It’s the quickest way to get rates.
- A slightly less efficient method to get comparison quotes requires you to visit each company’s website and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Allstate, State Farm and GMAC. To find out each rate you need to go to every website and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
- The hardest method to compare rates is to spend time driving to different agent offices. Buying insurance online has reduced the need for local agents unless you want the professional guidance of a licensed agent. You can, however, price shop your coverage online and get advice from an agent in your area and you’ll learn how to do that later.
Which method you use is up to you, but ensure you’re using exactly the same coverages with every price quote. If you use unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Audi RS6.
Companies offer discounts so take them!
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
- Early Signing – Some companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
- Military Discounts – Being on active duty in the military could mean lower rates.
- Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for RS6 insurance depending on your company.
- Bundle and Save – If you have multiple policies with one company you may save 10% to 20% off each policy.
Consumers should know that most credits do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.
To see a list of insurers offering car insurance discounts, click here to view.
What about using a local agent?
Some consumers would prefer to visit with an insurance agent and that is a personal choice. Good agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Buying from local businesses is important especially if you live in a smaller city or town.
After filling out this quick form, your coverage information gets sent to agents in your area who will battle for your coverage. You won’t need to visit any agencies as quotes are delivered immediately to your email address. How cool is that?!
Compare rates from both independent and captive auto insurance agents
When looking for an insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth learning how they are different because it can impact the type of agent you choose
Independent Agents
Independent insurance agents are not required to write business for one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you include multiple independent agents for maximum quote selection. Most have the option of insuring with smaller regional carriers which can save you money.
Captive Insurance Agents
Captive agents work for only one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so it’s a take it or leave it situation. Captives are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
To view a full list of insurance agents, click here.
Selecting an insurance agent should depend on more than just the price. Ask your prospective agent these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is working in the agency their full-time job?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is assistance available after office hours?
- Does the company allow you to choose your own collision repair facility?
Upon receiving satisfactory answers to any questions you have and a low price estimate, it’s possible that you found an auto insurance agent that can properly service your car insurance policy.
What is the best insurance coverage?
When buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
- Do I have coverage for damage caused while driving under the influence?
- Am I getting all the discounts available?
- Should I put collision coverage on all my vehicles?
- What are the financial responsibility laws in my state?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Why am I required to buy high-risk coverage?
- Are all vehicle passengers covered by medical payments coverage?
- What if I don’t agree with a claim settlement offer?
- Am I covered when using my vehicle for business?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.
Audi RS6 rate determination is complex
Consumers need to have an understanding of some of the elements that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.
- Save money with special equipment – Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
- Policy add-ons can waste money – There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
- Small claims can cost you – Companies award lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
- The type of vehicle makes a difference – The make and model of the vehicle you drive makes a significant difference in how high your rates are. Since the Audi RS6 is classified as a luxury sedan, insuring your vehicle will cost more compared to average rates. Low performance passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
Switch companies and save? Really?
Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the companies make the same claim that you’ll save big if you move your coverage to them.
How do they all make the same claim? This is how they do it.
All companies have a preferred profile for the type of driver that makes them money. An example of a preferred risk could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.
Drivers who fall outside this ideal profile will be quoted more money which usually ends up with business not being written. The ads state “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can claim big savings.
This emphasizes why it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will give you the biggest savings.
The best insurance company isn’t always the cheapest
You just learned many tips how you can shop for Audi RS6 insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best prices are with the smaller companies.
Cost effective Audi RS6 insurance is definitely available from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
