If saving the most money is your goal, then the best way to save money on Audi S6 insurance is to compare prices at least once a year from insurers who provide car insurance in Bakersfield. Drivers can shop around by completing these steps.
- First, spend some time learning about how insurance works and the measures you can control to lower rates. Many risk factors that are responsible for high rates such as at-fault accidents and poor credit can be controlled by improving your driving habits or financial responsibility.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agents can quote prices for a wide range of insurance providers.
- Third, compare the price quotes to your existing coverage and determine if there is any savings. If you can save money and decide to switch, make sure there is no coverage gap between policies.
- Fourth, notify your company or agent of your intention to cancel your existing policy. Submit payment and a completed application to the new insurer. Once received, put the new certificate verifying coverage in your glove compartment.
One thing to remember is to make sure you enter the same deductibles and limits on every quote request and to quote with all possible companies. This guarantees a fair rate comparison and a complete rate analysis.
A recent insurance study discovered that about 70% of customers have remained with the same insurance company for four years or more, and practically 40% of insurance customers have never even compared quotes to find lower-cost rates. Bakersfield drivers can save hundreds of dollars each year by just comparing rate quotes, but they just don’t understand the amount of savings they would get if they switched.
This information will teach you how car insurance works and also pocket some savings If you have coverage now, you stand a good chance to be able to buy cheaper insurance using the concepts covered in this article. Although California drivers need to learn the methods companies use to charge you for coverage.
These discounts can lower your insurance quotes
Car insurance companies don’t list every discount very well, so the below list has some of the best known as well as the least known credits that may apply to you. If you check and find you aren’t receiving every discount available, you could be saving more on your insurance.
- Safe Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Driving Data Discount – Drivers that enable driving data submission to analyze vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
- College Student Discount – Kids who live away from home at college and don’t have a car may qualify for this discount.
- Drive Less and Save – Fewer annual miles on your Audi can qualify you for lower insurance rates on the low mileage vehicles.
- Multiple Policy Discount – When you combine your home and auto insurance and insure them with the same company you could get a discount of nearly 15% which can help you find inexpensive Audi S6 insurance in Bakersfield.
- Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can get savings of more than 20%.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies permit an accident without raising rates so long as you are claim-free for a set time period.
- Military Rewards – Being on active deployment in the military may qualify for rate reductions.
- Own a Home and Save – Owning your own home or condo can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
Remember that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.
The illustration below compares Audi S6 annual premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, multi-car, and homeowner discounts applied.
Insurance companies that may have these discounts include:
If you need the cheapest Audi S6 rate quotes, ask all the companies which credits you are entitled to. All car insurance discounts may not be offered in your area. For a list of insurers with discount rates in Bakersfield, follow this link.
How to lower your Audi S6 insurance cost in Bakersfield, CA
To find the best auto insurance prices, there are several ways to compare rate quotes from many auto insurance companies in California. One of the best ways to find the cheapest insurance rates is simply to get online rate quotes.
When comparison shopping, comparing all the rates in your area will improve the odds of getting the best offered rates.
The following companies offer price quotes in California. If more than one company is shown, it’s a good idea that you visit as many as you can to get the best price comparison.
Detailed insurance information
The rate information shown below covers a range of insurance rates for Audi S6 models. Understanding more about how rate quotes are calculated can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $356 | $746 | $424 | $26 | $126 | $1,678 | $140 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific location which can affect coverage prices considerably.
Policy deductible comparison
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following tables lay out the difference in cost when you select higher and lower physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $624 | $1298 | $442 | $26 | $132 | $2,547 | $212 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific location information which can lower or raise prices noticeably.
Based on the above data, using a $100 deductible costs about $76 more each month or $912 each year than choosing the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 12 months between claim filings, you would probably come out ahead if you choose the higher deductible. The illustration below shows an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $212 |
| Average monthly premium for $1,000 deductibles (subtract): | – $136 |
| Monthly savings from raising deductible: | $76 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $76 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
An important sidenote is that a higher deductible results in more money out-of-pocket when you have a claim. You need to have some savings in order to pay the deductible for vehicle repair.
The chart below illustrates how your deductible choice and can increase or decrease Audi S6 insurance rates for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.
Rate comparison of men versus women
The diagram below visualizes the comparison of Audi S6 insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, single status, and no policy discounts are applied.
Full coverage rates compared to liability-only
The diagram below visualizes the comparison of Audi S6 insurance costs with and without full coverage. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop full coverage
There is no definitive formula of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Audi S6 claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying over $500 annually for full coverage, then you might consider buying liability only.
There are a few situations where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Informed Drivers Save Money
Lots of things are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, although some other factors are less obvious like your continuous coverage or how safe your car is. It’s important that you understand some of the things that go into determining your auto insurance rates. If you know what controls the rates you pay, this enables informed choices that can earn you better auto insurance rates.
- Bump up deductibles to lower rates – The deductibles you choose are how much you are willing to pay if the claim is covered. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims could be rear-ending another vehicle, fire damage, or theft of your vehicle. The more expense the insured is willing to pay, the less your company will charge you for insurance.
- Prevent coverage lapses – Allowing your auto insurance policy to lapse is a fast way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license.
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Driver age impacts rates – More experienced drivers tend to be more responsible, are lower risk to insure, and receive fewer citations. Teenage drivers tend to be inattentive and easily distracted when driving with friends and because of this, their auto insurance rates are much higher.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
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Traffic violations drive up prices – Having a clean driving record influences premium rates substantially. Having just one moving violation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets get better prices than bad drivers. People who have license-revoking tickets such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
The illustration below shows how traffic citations and accident claims influence Audi S6 auto insurance costs for each age group. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
- GPS tracking and theft deterrents systems cut rates – Buying a car with an alarm system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
- How do annual miles impact premiums? – The more you drive your Audi in a year the higher the price you pay to insure it. Many insurance companies calculate prices determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those that get driven frequently. Having the wrong rating on your S6 may be wasting your money. It’s a smart idea to ensure your declarations sheet states the proper vehicle usage.
- Marriage discount – Walking down the aisle helps lower the price when shopping for auto insurance. Having a significant other usually means you are more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
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Pay more for higher performance vehicles – The type of car, truck or SUV you are insuring makes a huge difference in how high your rates are. Low performance passenger vehicles usually have the lowest premiums, but your final cost has many other factors.
The following data uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Audi S6 insurance rates compared to other models that have a range of risk factors.
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Audi S6 insurance loss statistics – Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Vehicles that the data determines to have higher loss trends will have higher rates for specific coverages.
The table below illustrates the collected loss data for Audi S6 vehicles. For each coverage type, the claim amount for all vehicles averaged together is set at 100. Values below 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Car Insurance Loss Data for Audi S6 Models Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi S6 4dr 4WD 228 52 294 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Your auto insurance coverage should be tailored to you
When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions can aid in determining whether you may require specific advice.
- Do I need replacement cost coverage on my Audi S6?
- Will filing a claim cost me more?
- What is an SR-22 filing?
- Are there any extra discounts I can get?
- Do they offer discounts for home and auto coverage?
- Is water damage covered by my policy?
- What exactly is covered by my policy?
- Is other people’s property covered if stolen from my vehicle?
If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Buying from insurance agents
Some people just prefer to get professional advice from a licensed agent and doing that can be a smart decision An additional benefit of comparing insurance prices online is that drivers can save money and get cheap rate quotes but also keep your business local. Putting coverage with local insurance agencies is especially important in Bakersfield.
After completing this form (opens in new window), your information gets sent to companies in Bakersfield who will give competitive quotes to get your business. There is no reason to visit any agencies because quoted prices will be sent to you instantly. You’ll get the best rates and a licensed agent to work with. In the event you want to compare prices from a specific company, you just need to visit that company’s website and complete a quote there.
Multiple types of car insurance agents in Bakersfield
If you are searching for an insurance agent, you must know there are a couple different agency structures and how they are distinctly different. Car insurance agencies can be described as either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Agents in the independent channel are not employed by any specific company so they can insure your vehicles with an assortment of companies and find you the best rates. If they find a cheaper price, they can switch companies in-house and you stay with the same agent.
When comparison shopping, you will want to include multiple independent agents to maximize your price options. Most independent agents also contract with smaller mutual companies that may have much lower rates than larger companies.
Below is a small list of independent agents in Bakersfield that can possibly get you price quotes.
- California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map - Crosby and Crosby Insurance Services
111 H St – Bakersfield, CA 93304 – (661) 327-5531 – View Map - Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 – View Map
Exclusive Agencies
Agents that elect to be exclusive write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. They are well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive insurance agents in Bakersfield willing to provide price quotes.
- GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 – View Map - Farmers Insurance: Grant Fortt
2623 F St – Bakersfield, CA 93301 – (661) 829-4499 – View Map - Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map
Finding a good car insurance agent is decision based upon more than just a cheap price quote. Any agent in Bakersfield should be forthright in answering these questions:
- What companies can they write with?
- Where would your vehicle be repaired?
- Are they properly licensed to sell insurance in California?
- How would your car be valued if totaled?
- By raising physical damage deductibles, how much would you save?
Once you have reasonable responses to any questions you may have and low cost Audi S6 insurance quotes, most likely you have located an insurance agent that can be trusted to properly service your car insurance policy.
Car insurance is not optional in California
Despite the fact that car insurance is not cheap in Bakersfield, insuring your vehicle may be required for several reasons.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your S6, it’s guaranteed your bank will stipulate that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Audi at a much higher premium rate and force you to pay the higher premium.
- Insurance safeguards both your car and your personal assets. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your Audi gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is wasting up to $800 each year so you should quote rates every year to save money.
Smart shoppers get results
As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
We covered many ideas to shop for Audi S6 insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even be surprised to find that the biggest savings come from the smaller companies. These companies may only write in your state and offer lower premium rates than the large multi-state companies such as GEICO and State Farm.
Even more information can be found by following these links:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has Cheap Bakersfield Auto Insurance Quotes for a Toyota Highlander? (FAQ)
- Who Has Cheap Bakersfield Car Insurance for Good Students? (FAQ)
- Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers? (FAQ)
- How Much are Bakersfield Auto Insurance Quotes for First-time Drivers? (FAQ)
- How Much is Auto Insurance for Low Mileage Drivers in Bakersfield? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in Bakersfield? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)