Compare Audi S6 Insurance Quotes in Irvine

A recent insurance study discovered that most insurance customers have remained with the same insurance company for at least four years, and nearly 40% of drivers have never quoted rates to find cheap coverage. Many drivers in California could save as much as $500 a year, but most just don’t grasp how much they could save if they switch to a new company.

Insurance for Audi S6The best way we recommend to find more affordable Audi S6 insurance in Irvine is to compare prices at least once a year from insurers that insure vehicles in California. You can shop around by following these guidelines.

  1. Gain an understanding of what is in your policy and the modifications you can make to drop your rates. Many rating criteria that result in higher rates like tickets, at-fault accidents, and an imperfect credit rating can be remedied by improving your driving habits or financial responsibility. This article provides additional ideas to keep prices down and get additional discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of companies. View a list of agents
  3. Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure there is no coverage gap between policies.

A crucial key to this process is that you use identical limits and deductibles on each quote and and to get price estimates from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and the best rate selection.

Most major insurance companies allow you to get pricing direct online. Doing online price comparisons for Audi S6 insurance in Irvine is quite simple as you simply type in your coverage preferences into a form. Upon sending the form, the system collects information on your driving record and credit history and generates pricing information based on many factors. Quoting online for Audi S6 insurance in Irvine streamlines rate comparisons, and it’s also necessary to do this if you want to get the cheapest possible prices on auto insurance.

To fill out one form to compare multiple rates now, compare rates from the companies below. If you have your current policy handy, we recommend you complete the form with coverages and limits identical to your current policy. Using the same limits helps guarantee you will have comparison quotes using the exact same coverages.

The car insurance companies shown below have been selected to offer quotes in California. To find cheap car insurance in California, we recommend you click on several of them in order to get a fair rate comparison.

Data for Audi S6 insurance

The premium table below covers detailed analysis of coverage prices for Audi S6 models. Knowing how rate quotes are established helps drivers make smart choices when buying a car insurance policy.

Audi S6 Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $538 $1272 $500 $30 $150 $2,490 $208
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in specific Irvine garaging location which can change rates considerably.

Policy deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The comparisons below lay out the costs and benefits between high and low coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Audi S6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $624 $1298 $442 $26 $132 $2,547 $212
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Audi S6 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $346 $684 $442 $26 $132 $1,630 $136
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can raise or lower rates noticeably.

Based on this data, using a $100 deductible costs about $76 more each month or $912 a year than choosing the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 12 months between claims, you would probably come out ahead if you decide on a higher deductible.

The example below illustrates how your choice of deductibles and can change Audi S6 insurance premiums for different insured age categories. The premiums are based on a single male driver, full coverage, and no discounts are taken into consideration.

Rate comparison of males versus females in Irvine

The example below illustrates the comparison of Audi S6 insurance premiums for male and female drivers. The data is based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

The Audi S6 Insurance Premium Equation

Many things are part of the equation when quoting car insurance. Some are obvious such as your driving record, but others are more transparent such as whether you are married or how safe your car is. A large part of saving on car insurance is knowing the different types of things that come into play when calculating the rates you pay for car insurance. If you have a feel for what determines premiums, this helps enable you to make changes that may result in much lower annual insurance costs.

Increase comp and collision deductibles and save – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Audi. Some instances where coverage would apply are running into the backend of another car, hitting a deer, and windstorm damage. The deductibles define the amount the insured will be required to pay if the claim is covered. The more money you choose to pay out-of-pocket, the lower your rates will be.

Age of drivers impacts costs – Older insureds have been proven to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Teen drivers are statistically proven to be more careless when at the wheel of a vehicle so car insurance rates are higher.

The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

GPS tracking and theft deterrents reduce rates – Driving a car that has a built-in theft deterrent system can get you a discount on your car insurance. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.

Poor credit can mean higher costs – Having a bad credit rating is a big factor in determining what you pay for car insurance. Drivers with high credit ratings tend to be better risks to insure as compared to drivers with lower ratings. So if your credit history can be improved, you could be paying less to insure your Audi S6 if you improve your credit rating.

Insurance loss data for an Audi S6 – Insurance companies analyze claim trends for every vehicle when they calculate premium rates for each model. Models that have higher claim amounts or frequency will cost more to insure.

The table below outlines the compiled insurance loss statistics for Audi S6 vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is set at 100. Values below 100 are indicative of better than average losses, while values that are above 100 point to more claims or an increased probability of a larger loss.

Insurance Loss Ratings for Audi S6 Vehicles
Specific Audi 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

Why you need S6 insurance in California

Despite the fact that insurance is not cheap in Irvine, insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. Unknowingly, the average driver is currently overpaying as much as $830 a year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.