How to Compare San Francisco Audi S6 Insurance

If saving the most money is your goal, then the best way to find low-cost Audi S6 insurance in San Francisco is to regularly compare quotes from insurance carriers in California.

1. Try to learn a little about what is in your policy and the things you can control to drop your rates. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and a negative credit rating can be eliminated by making minor driving habit or lifestyle changes. Continue reading for more information to help keep prices low and get bigger discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies.
3. Compare the new quotes to your current policy premium to see if a cheaper rate is available in San Francisco. If you find a lower rate quote, verify that coverage does not lapse between policies.

A good piece of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to analyze as many auto insurance providers as possible. This helps ensure a fair rate comparison and a complete price analysis.

It’s easy to assume that insurance companies don’t want you to look for cheaper rates. Drivers who shop around for the cheapest rate are very likely to switch car insurance companies because they have good chances of finding coverage at a cheaper rate. A recent car insurance study revealed that people who make a habit of shopping around saved approximately $865 annually as compared to drivers who never shopped around for better prices.

If finding budget-friendly rates on Audi S6 insurance in San Francisco is your ultimate objective, then learning a little about the best way to compare coverages can help you succeed in saving money.

If you have insurance now, you should be able to save money using this strategy. This article’s intent is to help educate you on how to compare rates easily and some money-saving tips. But California consumers must comprehend how companies market on the web and use it to your advantage.

When looking for affordable San Francisco car insurance quotes, there are a couple ways to compare rate quotes from many different California insurance companies. One of the best ways to find competitive Audi S6 insurance rates is to use the internet to compare rates. Just keep in mind that comparing a large number of companies will enable you to find more affordable insurance. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare quotes on coverage from those companies, too.

The car insurance companies shown below are our best choices to provide quotes in San Francisco, CA. If multiple companies are shown, we recommend you get price quotes from several of them to get the most affordable price.

Data for Audi S6 insurance

The information below showcases estimates of insurance policy prices for Audi S6 models. Learning how car insurance prices are calculated can be of help when making informed decisions when comparing rates.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can decrease or increase rates substantially.

Where to set your deductibles

One common question asked by San Francisco drivers is how low should you set your deductibles. The following insurance rates help summarize the difference in cost when you buy lower versus higher comp and collision deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in San Francisco location which can modify auto insurance rates significantly.

Based on the figures above, using a $100 deductible costs roughly $51 more each month or $612 every year across all Audi S6 models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 8 months between claims, you would come out ahead if you opt for a higher deductible. The table below shows a better example of how this determination is made.

One thing to note is that a higher deductible means you will have to cover more of the damage yourself when you have a physical damage claim. It will be required that you have enough extra money in the event you have to pay the deductible to have repairs made.

Careless driving habits raise San Francisco car insurance rates

The illustration below illustrates how traffic citations and at-fault accidents raise Audi S6 insurance costs for each different age category. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Annual premiums comparing men and women

The illustration below compares Audi S6 yearly insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

These nine discounts can cut Audi S6 insurance rates

Auto insurance companies do not advertise all discounts in a way that’s easy to find, so we took the time to find a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy San Francisco car insurance online.

• Braking Control Discount – Vehicles with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
• Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Driver Education Discount – It’s a good idea to have your young drivers successfully take a driver’s education course if offered at their school.
• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with cheaper auto insurance rates.
• College Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
• Own a Home and Save – Owning your own home or condo can save a few bucks since home ownership is proof that your finances are in order.
• Policy Bundle Discount – If you combine your homeowners and auto policies with one insurance company they may give you a discount of up to 20% off your total S6 insurance premium.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
• Multiple Vehicles – Buying a policy with multiple vehicles with one company may reduce the rate for each vehicle.

We need to note that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

The information below shows the difference between Audi S6 insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no claims, a clean driving record, 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 claim-free, homeowner, safe-driver, marriage, multi-car, and multi-policy discounts applied.

To see a list of insurers with discount rates in California, click here to view.

Car insurance protects more than just your car

Despite the high insurance cost for a Audi S6 in San Francisco, insuring your vehicle may be mandatory for several reasons.

• Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage 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 bought your vehicle with a loan, it’s guaranteed your bank will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Audi at a much higher premium rate and force you to pay the higher premium.
• Car insurance preserves both your Audi S6 and your assets. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. But the average driver in California overpays more than $700 annually so compare rates every year to be sure current rates are still competitive.

How to know if you need help

When quoting and comparing proper insurance coverage for your personal vehicles, there really isn’t a cookie cutter policy. Each situation is unique.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

• Should I get collision insurance on every vehicle?
• What is UM/UIM insurance?
• Can I still get insurance after a DUI?
• I don’t drive much so do I pay less?
• Can I afford to pay high deductible claims out of pocket?
• What is the ISO rating for a Audi S6?
• Should I sign the liability waiver when renting a car?
• What is the minimum liability in California?
• When can I cancel my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Do I need a local insurance agent?

Many drivers still prefer to talk to an insurance agent and that is OK! The biggest benefit of comparing rate quotes online is that you can obtain cheap rate quotes but also keep your business local. Putting coverage with local agents is still important in San Francisco.

Upon completion of this quick form, the quote information is sent to participating agents in San Francisco that can provide free San Francisco car insurance quotes for your insurance coverage. You won’t even need to find an agent because prices are sent immediately to you. Get lower rates without requiring a lot of work. If you want to compare rates from one company in particular, you would need to navigate to their website and fill out the quote form the provide.

Deciding on a insurer should depend on more than just the premium amount. The answers to these questions are important, too.

• Do they have a Better Business Bureau rating in San Francisco?
• What is the financial rating for the quoted company?
• If you are a high risk driver, do they have special markets for your coverage?
• Do they see any coverage gaps in your plan?
• Do they offer accident forgiveness?

Auto insurance coverage information

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, chiropractic care, X-ray expenses, dental work and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your S6 in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, falling objects, hail damage and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more liability than the minimum.

The illustration below demonstrates why the minimum limit may not be high enough to adequately cover claims.