Shocking but true, most drivers have stayed with the same insurance company for at least the last four years, and 38% of customers have never compared rate quotes at all. Most drivers in Arizona could save nearly 50% a year by just comparing quotes, but they just don’t understand how much savings they would realize if they switched to a cheaper policy.
If you want to find the absolute lowest rates, then the best way to find more affordable Audi S6 insurance is to compare prices regularly from providers who sell auto insurance in Tucson.
- Take a little time to learn about how car insurance works and the factors you can control to prevent high rates. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and a not-so-good credit rating can be remedied by paying attention to minor details.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the price quotes to your existing policy and determine if there is any savings. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
- Notify your company or agent of your intention to cancel your current policy. Submit payment along with a signed and completed policy application to the new insurer. As soon as you can, safely store the certificate verifying coverage somewhere easily accessible.
The key thing to remember is to compare similar coverage information on every quote request and and to look at as many companies as feasibly possible. Doing this enables an accurate price comparison and the best price selection.
Most major insurance companies allow you to get price estimates direct online. The process is easy for anyone as all you need to do is type in the coverages you want into a form. Once you submit the form, their system pulls credit information and your driving record and generates pricing information based on the data you entered.
This makes it easy to compare insurance prices and it is important to get many rate quotes if you are searching for the most affordable possible premiums on auto insurance.
To find out how much you’re overpaying now, compare rates now from the companies shown below. If you have coverage now, it’s recommended that you enter the coverage information as shown on your current policy. This guarantees you will be getting a rate comparison for the exact same coverage.
The providers in the list below can provide free quotes in Arizona. If multiple companies are listed, it’s a good idea that you compare several of them in order to find the lowest rates.
Rates and other information
The rate information displayed next covers estimates of coverage costs for Audi S6 models. Being aware of how premiums are formulated can help you make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $214 | $428 | $308 | $18 | $92 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Tucson which can influence coverage prices noticeably.
Raise deductibles and save
When shopping for car insurance, a common question is how low should you set your deductibles. The figures shown below can help you visualize how much more you’ll pay when you buy lower versus higher coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $380 | $738 | $300 | $18 | $90 | $1,551 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $310 | $596 | $300 | $18 | $90 | $1,314 | $110 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in your specific Tucson location which can revise coverage rates significantly.
Based on the figures above, using a $250 deductible would cost the average driver about $19 more each month or $228 for a full year than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 13 months between claim filings, you would come out ahead if you choose a higher deductible. The numbers below show a better example of how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $500 deductibles (subtract): | – $110 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One important note is that higher deductibles results in more money out-of-pocket at claim time. You need to have some extra savings in order to pay the deductible for vehicle repair.
Drive safe and save
The information below demonstrates how speeding tickets and accidents raise Audi S6 car insurance costs for different age groups. The data assumes a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Rate comparison of males versus females
The chart below shows the comparison of Audi S6 premium costs for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.
Protect your Audi S6 and other assets
Despite the high insurance cost for a Audi S6 in Tucson, paying for insurance is mandatory in Arizona but it also protects more than you think.
- The majority of states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your S6, it’s guaranteed your bank will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Audi at a significantly higher premium and make you pay for the much more expensive policy.
- Insurance protects your Audi S6 and your assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in Arizona overpays as much as $700 annually so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.
What insurance coverages do I need?
When it comes to buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different and your car insurance should be unique as well.
Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.
- Will my rates increase for filing one claim?
- Is my Audi S6 covered for flood damage?
- Am I covered when driving a rental car?
- Am I covered if my car is in a flood?
- Is my camper covered for physical damage?
- If my pet gets injured in an accident are they covered?
- Why am I be forced to buy a membership to get insurance from some companies?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Auto insurance coverage information
Knowing the specifics of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.
Comprehensive protection
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, theft and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage
This covers damage to your S6 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible on your S6 to get cheaper collision coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Audi S6.
Because many people only purchase the least amount of liability that is required (which is 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.
Liability insurance
Liability coverage provides protection from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/10 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage protects against claims such as legal defense fees, structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but buy higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry higher limits.
The next chart shows why the minimum limit may not be enough.
Find cheap rates by comparing often
We just showed you a lot of ways to shop for Audi S6 insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
Some car insurance companies may not offer online rate quotes and many times these smaller providers prefer to sell through local independent agents. Discount Audi S6 insurance can be sourced online as well as from insurance agents, so you should compare both to get a complete price analysis.
Additional information can be read below:
- Get the Right Protection (InsureUonline.org)
- Who Has the Cheapest Auto Insurance Quotes for High School Students in Tucson? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- How do I File a Claim? (Insurance Information Institute)