Car owners who just recently started comparing auto insurance rates online are likely to discover sourcing inexpensive Audi S6 insurance in Austin to be a formidable task.
Amazlingly, a recent NerdWallet.com study showed that 70% of consumers have been with the same company for four years or more, and approximately 40% of consumers have never compared quotes from other companies. Most drivers in Texas can save hundreds of dollars each year just by shopping around, but most undervalue the rate savings if they swap their current policy for a cheaper one.
It’s a good idea to do rate comparisons occasionally because auto insurance rates are variable and change quite frequently. Even if you think you had the lowest rate on Audi S6 insurance in Austin six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to get good coverage on Audi S6 insurance in Austin at a lower rate.
Quoting and comparing the best-priced protection in Austin is quite easy. Nearly every driver who is required by state law to have car insurance will probably find a lower price. But Texas vehicle owners can benefit by having an understanding of the methods companies use to charge you for coverage and take advantage of how the system works.
It’s important to know that obtaining a wide range of quotes helps increase your odds of locating lower pricing. Some regional insurers cannot provide online Austin S6 insurance quotes, so you should also compare rates from those companies as well.
The providers in the list below offer free quotes in Texas. If several companies are displayed, we suggest you get rates from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $420 | $952 | $366 | $22 | $110 | $1,870 | $156 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can revise coverage rates greatly.
Age-based auto insurance rates by gender
The information below shows the comparison of Audi S6 annual premium costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Rate comparison for different deductibles
When buying auto insurance, a common question is where to set your physical damage deductibles. The rates below lay out the cost difference of buying low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $484 | $938 | $382 | $22 | $114 | $1,965 | $164 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $298 | $590 | $382 | $22 | $114 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in specific zip code location which can decrease or increase rates substantially.
Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $47 more each month or $564 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 16 months between claims, you would save money if you decide on a higher deductible.
Cost of full coverage in Austin
The diagram below illustrates the comparison of Audi S6 car insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $250 deductibles, married female driver, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no exact rule of when to exclude comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Audi S6 settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after the deductible is paid. If premiums are more than $600 annually for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Buying insurance from Austin car insurance agents
Some consumers still like to buy from a licensed agent. One of the benefits of getting online price quotes is you may find lower rates and still buy from a local agent. Supporting small agencies is important especially in Austin.
To make it easy to find an agent, after completing this simple form, your information is emailed to local insurance agents who will give you bids for your business. You never need to leave your computer as quotes are delivered directly to you. Get lower rates and a licensed agent to work with. If you need to compare rates from a specific company, feel free to jump over to their website and give them your coverage information.
When narrowing the list to find an insurance agent, it’s helpful to know the different types of agencies to choose from. Agents in Austin can be categorized as either exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments so they have the ability to put coverage with many different companies and find you cheaper rates. If they find a lower price, the business is moved internally and you won’t have to switch agencies. When searching for an agent, it’s recommended you include price quotes from several independent agencies to have the best price comparison. Many write coverage with less well-known companies which could offer lower prices.
Featured below is a small list of independent agents in Austin that can give you price quote information.
- Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map - EZ Insurance Agency – North
7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map - Starr Insurance Agency
8801 Research Blvd #104 – Austin, TX 78758 – (512) 586-2000 – View Map
Exclusive Insurance Agencies
These type of agents can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Some consumers prefer to use the same agent mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Austin that can give you price quotes.
- Karen Easterling – State Farm Insurance Agent
2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map - Tony Reyes – State Farm Insurance Agent
9811 S IH 35 Frontage Rd #120 – Austin, TX 78744 – (512) 851-2539 – View Map - Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
Finding the right car insurance agent is decision based upon more than just a cheap price. Any good agent in Austin should know the answers to these questions.
- Does the agency support the community they serve?
- Can you use your own choice of collision repair facility?
- What company do they have the most business with?
- Do you work with a CSR or direct with the agent?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How experienced are they in personal risk management?
After getting good answers to your questions and a good coverage price, you may have found an insurance agent that is professional and can provide insurance coverage. Just keep in mind you are entitled to terminate coverage whenever you choose to so never assume you’re contractually obligated to any particular company with no way out.