Lower Your 2002 Audi S6 Insurance Cost

Consumers who are new to comparing insurance rates online will discover finding low-cost insurance nearly impossible.

You need to price shop coverage occasionally because rates are adjusted regularly by insurance companies. Even if you think you had the best price for S6 coverage six months ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance online, so I’m going to show you some guaranteed methods to find cheap insurance.

Save on 2002 Audi S6 insurance

Car insurance companies do not advertise all their discounts very clearly, so the following is a list of some of the best known and the more hidden car insurance savings.

  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Audi can earn a substantially lower rate.
  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • E-sign – Certain companies may give you up to $50 for buying your policy over the internet.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for S6 coverage with select insurance companies.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.

Consumers should know that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurers with discount car insurance rates, click this link.

Audi S6 rates are in the details

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes some of the items used by your company to calculate rates.

  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Audi S6 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Small claims can cost you – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Companies provide better rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of larger claims.
  • Extra add-on coverages are wasting money – There are quite a few extra coverages you can purchase on your S6 policy. Coverages like roadside assistance, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
  • Better credit scores mean better rates – Your credit history is a huge factor in your rate calculation. Therefore, if your credit is not that good, you could be paying less to insure your 2002 Audi S6 by improving your rating. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • The more you drive the more you pay – The more miles you rack up on your Audi in a year the more you will pay for insurance coverage. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your S6 may be wasting your money. Make sure your insurance coverage policy is showing how each vehicle is driven, because it can save money.
  • Don’t skimp on liability – The liability section of your policy is the coverage that protects you when you are found liable for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my teenager covered with friends in the car?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Auto insurance coverage information

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S6.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, a broken windshield and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not 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. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses for things like chiropractic care, dental work, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

The bottom line

Discount 2002 Audi S6 insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We covered many ideas to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for any number of reasons including policy cancellation, extreme rates for teen drivers, policy non-renewal and even an unsatisfactory settlement offer. Whatever your reason, finding a great new company is easier than you think.

More detailed insurance information can be read at these sites: