Audi S6 Insurance Rate Quotes in Seattle

Insurance for Audi S6Has it been a year or more since you last compared quotes for the cheapest car insurance rates in Seattle, WA? Seattle drivers have options when trying to find affordable Audi S6 insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to get rate quotes. There is a better way to buy car insurance and you need to know the best way to quote coverages for a Audi and get the lowest possible price from Seattle insurance agents and online providers.

Finding the cheapest insurance coverage in Seattle is much easier if you know where to start. If you currently have a car insurance policy, you will surely be able to lower your rates using the techniques covered below. Drivers only need an understanding of the fastest way to buy insurance instantly.

The providers in the list below are ready to provide price comparisons in Seattle, WA. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get the best price comparison.

Audi S6 Insurance Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $178 $378 $278 $16 $82 $932 $78
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can increase or decrease coverage rates noticeably.

Audi S6 liability-only versus full coverage

The chart below examines Audi S6 yearly insurance costs when comparing full coverage to liability only. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, single male driver, and no other discounts are factored in.

Should you be buying full coverage?

There is no exact rule to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Audi S6 claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your deductible. If you are paying in excess of $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Physical damage deductible comparison

One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The figures shown below sum up the costs and benefits of buying low and high insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Audi S6 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $416 $866 $294 $18 $88 $1,707 $142
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Audi S6 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $232 $456 $294 $18 $88 $1,088 $91
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in specific location information which can affect premiums considerably.

Based on the above data, using a $100 deductible could cost the average driver approximately $51 more each month or $612 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 18 months between claims, you would probably be better off by going with a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): – $91
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $51
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One big caveat is that raising deductibles results in more money out-of-pocket when you have a claim. That will require some extra funds in the event you need to pay the deductible.

Age-based car insurance rates by gender

The chart below shows the difference between Audi S6 annual premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Discounts can help lower premiums on Audi S6 insurance in Seattle

Car insurance is expensive, but there may be some discounts that you may not even be aware of. Most are applied when you get a quote, but occasionally some discounts must be asked for before you get the savings.Car insurance discounts

Just know that most discounts do not apply to the whole policy. Some only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

To choose insurers that offer many of these discounts in Washington, follow this link.

Insuring your Audi S6 just makes sense

Even though it’s not necessarily cheap to insure an Audi in Seattle, insuring your vehicle may be required and benefits you in several ways.

The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. But the average driver in Washington overpays more than $700 annually so it’s important to compare rates at every renewal to save money.

What if I want to buy from local Seattle auto insurance agents?

A lot of people prefer to talk to an insurance agent and that is recommended in a lot of cases Good insurance agents can help you choose the best coverages and help you file claims. The best thing about getting online price quotes is the fact that you can find cheap auto insurance rates but also keep your business local.

Find insurance agent in SeattleOnce you complete this simple form, your coverage information gets sent to agents in your area that can provide free Seattle auto insurance quotes to get your business. You never need to drive around due to the fact that quote results will go immediately to your email address. If you have a need to get a rate quote from one company in particular, don’t hesitate to search and find their rate quote page and complete a quote there.

Choosing the best insurance company is decision based upon more than just a low price. Some important questions to ask are:

If you would like to find a local Seattle insurance agent, it can be helpful to understand the different types of agencies that you can select. Agents can either be independent or exclusive depending on the company they work for. Either one can provide auto insurance policies, but it’s important to know the subtle differences because it may have an impact on buying decisions.

Exclusive Agents

Agents that choose to be exclusive can only quote rates from one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to compare other company’s rates so always compare other rates. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. A lot of people use the same exclusive agent primarily because of the brand legacy instead of buying on price only.

Below are exclusive insurance agents in Seattle that can give you price quotes.

More Seattle agents

Independent Agents

Agents of this type are appointed with more than one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, they can switch companies in-house and you stay with the same agent.

When comparing rate quotes, we highly recommend that you include price quotes from at least one independent agent to have the most options to choose from. Most independent agents also contract with smaller mutual companies which may provide better rates.

Below is a short list of independent insurance agencies in Seattle willing to provide comparison quotes.

More Seattle agents

If you receive acceptable answers for all questions you ask and a good coverage price, you may have just found an insurance agent that can be relied on to properly service your auto insurance policy.

Car insurance policy coverages for an Audi S6

Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, falling objects, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/10 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, bail bonds, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Washington state law requires minimum liability limits of 25/50/10 but you should consider buying higher limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage protection

Collision coverage covers damage to your S6 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, crashing into a building, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible on your S6 to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.