Finding low-cost insurance for an Audi S6 in North Carolina can be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to compare rates for your Audi and get the lowest price.
It’s important to get comparison quotes once or twice a year since insurance prices are rarely the same from one policy term to another. If you had the best deal on Audi S6 insurance in Raleigh a year ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the best way to find great coverage at a great price.
Companies offering Audi S6 insurance in Raleigh
The companies shown below are ready to provide free quotes in Raleigh, NC. To buy cheap car insurance in Raleigh, NC, it’s highly recommended you visit several of them to get the best price comparison.
Insurance coverage analysis
The table shown next covers a range of prices for Audi S6 models. Having knowledge of how auto insurance premiums are formulated can help you make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $352 | $732 | $250 | $14 | $74 | $1,422 | $119 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in garaging location in Raleigh which can decrease or increase coverage prices considerably.
Where to set your deductibles
When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates shown below may help to conceptualize the cost difference between high and low physical damage coverage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $352 | $732 | $250 | $14 | $74 | $1,447 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $258 | $494 | $250 | $14 | $74 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in vehicle location which can increase or decrease premiums noticeably.
Based on this data, using a $100 deductible would cost the average driver about $30 more each month or $360 for a full year than choosing the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 13 months between claims, you would save money by selecting a higher deductible.
Audi S6 full coverage rates compared to liability only
The diagram below visualizes the comparison of Audi S6 yearly insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The price estimates are based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are applied.
Should you buy full coverage or liability only?
There is no written rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Audi S6 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 a year to have full coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.
Smart Consumers Save Money
Many factors are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are not quite as obvious like your vehicle usage or your financial responsibility. A large part of saving on insurance is knowing some of the things that play a part in calculating the rates you pay for insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that may result in lower insurance prices.
The items below are just a few of the factors used by your company to calculate your prices.
Performance influences costs – The make and model of the car you need to insure makes a big difference in your rates. The cheapest rates are usually found on lower cost passenger models, but the cost you end up paying is determined by many additional factors.
The following chart is based on a married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Audi S6 insurance premiums compared to other vehicles that have a range of performance risks.
Do women or men drive better? – Statistics show that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Females and males get in at-fault accidents at about the same rate, but men cause more damage. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving. Male teenagers are several times more likely to be in an accident and therefore are the most expensive to insure.
The example below visualizes the comparison of Audi S6 insurance costs for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Always keep your insurance in force – Having a gap between insurance policy dates is a guaranteed way to drive up your policy premiums. Not only will rates go up, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
Premiums increase with driving tickets – A bad driving record can have a huge impact on auto insurance premiums. Having a single moving violation can increase the cost of insurance twenty percent or more. Attentive drivers receive lower rates than bad drivers. Drivers with careless citations such as DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
The illustration below demonstrates how traffic citations and fender-benders can impact Audi S6 yearly insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
City dwellers may pay more – Living in less populated areas of the country has it’s advantages when insuring your vehicles. Fewer drivers on the road means fewer accidents in addition to lower liability claims. People in densely populated areas regularly have more traffic problems and more severe claims. The longer drive time means a statistically higher chance of an accident.
Filing insurance claims can cost you – Car insurance companies in North Carolina provide cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for claims that pose a financial burden.
Buy a safe car and pay less – Vehicles with good safety scores are cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates means your insurance company pays less which can result in lower premiums. If your Audi S6 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Amount of liability insurance – The liability section of your policy will afford coverage in the event that you are responsible for personal injury or accident damage. This coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Audi S6 insurance loss statistics – Insurance companies include the past claim history for a vehicle when setting premium rates. Vehicles that are shown to have higher claim frequency or loss amount will have increased rates.
The data below shows the loss history for Audi S6 vehicles. For each policy coverage, the claim probability for all vehicles compiled together is equal to 100. Values that are under 100 indicate better than average losses, while values over 100 indicate frequent claims or tendency to have larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S6 4dr 4WD | 228 | 52 | 294 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Earn discounts on Raleigh insurance
Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked about before they will apply.
- Claim Free – Insureds who avoid accidents and claims have much lower rates compared to policyholders that have many claims.
- Renewal Discounts – Some larger companies reward drivers for signing up early. The savings is around 10%.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like GEICO, State Farm, and Progressive will let one accident slide without raising rates as long as you don’t have any claims before the accident.
- Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems could see savings as much as 30%.
- Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
- Distant Student – College-age children living away from Raleigh attending college and do not take a car to college may qualify for this discount.
- Professional Memberships – Participating in specific professional or occupational memberships or organizations may earn a discount when getting a Raleigh auto insurance quote.
- Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their Raleigh auto insurance quote than less cautious drivers.
- Driver Training Discounts – Taking a driver safety class may get you a small discount and easily recoup the cost of the course.
It’s important to note that some credits don’t apply to the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.
The example below illustrates the comparison of Audi S6 car insurance costs with and without discounts applied to the premium. The data assumes a female driver, no claims or violations, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.
To find providers that can offer you the previously mentioned discounts in North Carolina, click here to view.
Comparing prices from local Raleigh auto insurance agents
A small number of people just want to visit with an insurance agent and we recommend doing that Experienced insurance agents can point out coverage gaps and help file insurance claims. One of the benefits of getting free rate quotes online is the fact that you can find cheaper car insurance rates and still buy from a local agent.
After filling out this simple form, your insurance data is emailed to agents in your area who will give competitive quotes for your auto insurance coverage. You never need to search for an agent since rate quotes are delivered to the email address you provide. If for some reason you want to compare prices from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.
Picking the best company shouldn’t rely on just a low price. You should also get answers to these questions.
- Are they in the agency full-time?
- Do they carry Errors and Omissions coverage?
- Does the agent help file claims?
- Do they get extra compensation for selling add-on coverages?
- Is assistance available after office hours?
- Can they help ensure a fair claim settlement?
When searching for an insurance agent, it’s important to understand the different agency structures that you can choose from. Agencies in Raleigh can either be exclusive or independent agents depending on their company appointments. Both can sell and service auto insurance coverage, but we need to point out the differences since it could factor into your selection of an agent.
Exclusive Agencies
Agents of this type can only provide pricing for a single company like State Farm, Allstate and AAA. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are well schooled in insurance sales which helps them compete with independent agents. Consumers often use the same agent primarily because of the prominent brand name instead of buying on price only.
Below are Raleigh exclusive insurance agencies who may provide you with comparison quotes.
- Doug Wingate – State Farm Insurance Agent
2414 Wycliff Rd #110 – Raleigh, NC 27607 – (919) 787-0888 – View Map - Danny Newton – State Farm Insurance Agent
6021 Poyner Village Pkwy #109 – Raleigh, NC 27616 – (919) 875-1955 – View Map - Alex Burt – State Farm Insurance Agent
3021 Berks Way #102 – Raleigh, NC 27614 – (919) 435-1417 – View Map
Independent Auto Insurance Agencies
These agents are not required to write business for one company and that gives them the ability to insure with any number of different companies and find the cheapest auto insurance rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. When comparing auto insurance prices, it’s a good idea to check rates from a couple of independent agencies for the best price selection. Many independent agencies also insure through smaller regional carriers that may provide cheaper auto insurance rates.
Shown below are independent agents in Raleigh willing to provide comparison quotes.
- Snipes Insurance Services Inc
617 Oberlin Rd – Raleigh, NC 27605 – (919) 571-4335 – View Map - Protective Agency
2026 New Bern Ave – Raleigh, NC 27610 – (919) 231-2281 – View Map - IGO Insurance Agency Inc.
8117 Ebenezer Church Rd – Raleigh, NC 27612 – (919) 782-1560 – View Map
After you get positive feedback to these questions and the cheapest Audi S6 insurance in Raleigh quotes, chances are good that you have found an insurance agency that is professional and can service your policy. Just remember you can always cancel coverage any time you want so don’t assume that you are permanently stuck with your new company with no way out.
Quote often and quote early
You just learned a lot of techniques to lower your Audi S6 insurance premium rates in Raleigh. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the best premium rates are with the smaller companies.
People leave their current company for a number of reasons such as denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.
When searching for low cost Raleigh auto insurance quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.
Steps to finding low-cost Audi S6 insurance in Raleigh
The most effective way to save money on auto insurance rates is to begin comparing prices regularly from insurers that sell auto insurance in Raleigh. You can compare prices by completing these steps.
First, try to comprehend individual coverages and the things you can change to drop your rates. Many policy risk factors that result in higher prices like multiple speeding tickets and an unacceptable credit score can be controlled by making lifestyle changes or driving safer.
Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for many different companies. Select a company
Third, compare the new quotes to the premium of your current policy to determine if you can save on S6 insurance in Raleigh. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
A good tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and to quote with as many companies as you can. This guarantees a fair rate comparison and a complete selection of prices.
More tips and info about car insurance is available by following these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Cheap Raleigh Auto Insurance Rates for Welfare Recipients? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Focus in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Rates for Handicapped Drivers in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Raleigh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Teenage Males in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 70 in Raleigh? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Anti-Lock Brake FAQ (iihs.org)