Are you tired of trying to find cheaper auto insurance rates in Columbus, OH? Columbus consumers have lots of choices when looking for the best price on Audi S6 insurance. They can either spend hours driving around to compare prices or save time using the internet to find the lowest rates.
There is a right way and a wrong way to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for your Audi and locate the lowest price.
It’s safe to assume that car insurance companies don’t want you to look for cheaper rates. Drivers who get price comparisons are highly likely to move their business because there is a significant possibility of finding a lower-priced policy. Remarkably, a study showed that people who routinely compared quotes saved about $865 annually compared to other drivers who never shopped for cheaper rates.
If finding the cheapest price for car insurance is the reason you’re here, then learning a little about how to get rate quotes and compare insurance can help simplify the task of finding more affordable coverage.
You need to compare prices once or twice a year because auto insurance prices change frequently. Even if you think you had the best rates on Audi S6 insurance in Columbus last year the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.
Six Tips to Get Cheap Columbus Insurance Prices
One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that aid in calculating your policy premiums. If you know what impacts premium levels, this enables you to make decisions that will entitle you to cheaper rates. Many factors are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although some other factors are more obscure such as your credit history or your vehicle rating.
- Where do you drive? – The more miles you rack up on your Audi annually the more it will cost to insure it. Most companies calculate rates based upon how much you drive. Vehicles that are left in the garage can get a lower rate than vehicles that have high annual mileage. It’s always a good idea to double check that your policy properly reflects the correct usage. A policy that improperly rates your S6 is throwing money out the window.
- Bump up physical damage deductibles to lower rates – Comp and collision deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims could be rear-ending another vehicle, vandalism, and damage from wind. The more money you’re willing to pay, the less money you will pay for insurance.
Vehicle risk affects costs – The performance level of the vehicle you drive makes a huge difference in your auto insurance rates. Lower cost passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
The data below uses these variables: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Audi S6 insurance premiums compared to other models that have a range of risk factors.
- More than one policy can earn a discount – Most major insurance companies will award a discount to customers that buy multiple policies. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, consumers should still shop around to help ensure you have the lowest rates. You may still save even more by buying insurance from more than one company.
- City dwellers may pay more – Living in areas with lower population can be a good thing when buying insurance. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims. Urban drivers have to deal with more aggressive driving styles and longer commute times. More time behind the wheel means higher likelihood of an accident.
- Prevent coverage lapses – Driving any period of time without insurance can get your license suspended and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, getting caught without coverage can result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with the Ohio DMV.
Audi S6 insurance loss data – Companies include the past claim history for a vehicle as a tool for profitable underwriting. Models that have a trend towards higher claim severity or frequency will have higher premium rates.
The information below illustrates the actual insurance loss data for Audi S6 vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
Audi S6 Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi S6 4dr 4WD 228 52 294BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Compare Columbus Audi S6 insurance quotes
Reducing your insurance rates is a fairly straight forward process. You just have to take a couple of minutes comparing price quotes to find out which insurance company has cheaper Columbus auto insurance quotes.
The following companies offer price comparisons in Ohio. If more than one company is shown, it’s a good idea that you visit several of them in order to find the lowest rates.
Insurance rate breakdown
The rate information shown next highlights detailed analysis of insurance rates for Audi S6 models. Understanding how auto insurance premiums are calculated can be of help when making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S6 Quattro 4-Dr Sedan||$174||$404||$274||$16||$82||$950||$79|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in Columbus location which can influence premiums substantially.
Audi S6 insurance premiums by gender
The illustration below shows the difference between Audi S6 annual premium costs for male and female drivers. The information is based on no claims or violations, comp and collision included, $1,000 deductibles, single status, and no additional discounts are factored in.
Full coverage versus liability-only
The information below shows the difference between Audi S6 annual premium costs with and without full coverage. The price estimates are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no set rule that is best for determining when to drop physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, 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 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not recommended. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Three reasons to not skimp on auto insurance
Even though Columbus S6 insurance rates can get expensive, paying for auto insurance is required in Ohio but it also protects you in many ways.
First, almost all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, it’s most likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Audi for a lot more money and require you to pay for it.
Third, auto insurance protects both your assets and your Audi S6. It also can pay for all forms of medical expenses for not only you but also any passengers 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 you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your S6 outweigh the cost, especially if you ever need it. The average driver in Ohio overpays as much as $810 a year so you should quote and compare rates each time the policy renews to ensure rates are inline.
Columbus insurance discounts for an Audi S6
Not many people think insurance is cheap, but there’s a good chance there are discounts that can help lower your rates. Some discounts apply automatically at quote time, but a few must be asked about prior to getting the savings.
- Air Bag Discount – Cars that have air bags or automatic seat belts may get savings of 20 to 30 percent.
- Good Student – Excelling in school can earn a discount of 20% or more. The discount lasts up to age 25.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Professional Memberships – Being in qualifying employment or professional organizations could earn you a nice discount on your bill.
- Active Service Discounts – Being deployed in the military may qualify for rate reductions.
- Discounts for Good Drivers – Insureds without accidents may receive a discount up to 45% than less cautious drivers.
- Early Switch Discount – Select larger companies give a discount for signing up before your current expiration date. It could save around 10% when you buy Columbus auto insurance online.
One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, companies don’t profit that way.
The example below illustrates the comparison of Audi S6 car insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no accidents or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.
Large insurance companies and their offered discounts include:
- GEICO has discounts for anti-theft, air bags, anti-lock brakes, multi-policy, membership and employees, and defensive driver.
- SAFECO may offer discounts for homeowner, bundle discounts, anti-lock brakes, safe driver, drive less, and teen safe driver.
- State Farm offers premium reductions for safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, and multiple autos.
- MetLife discounts include good driver, defensive driver, good student, claim-free, accident-free, multi-policy
- 21st Century offers discounts for defensive driver, teen driver, automatic seat belts, anti-lock brakes, driver training, student driver, and theft prevention.
- Progressive may include discounts for homeowner, multi-vehicle, good student, online quote discount, multi-policy, continuous coverage, and online signing.
Check with each insurance company to give you their best rates. Some discounts may not apply to policyholders in Columbus. For a list of providers with the best discounts in Ohio, follow this link.
Compare rate quotes but work with a local Columbus insurance agent
Many drivers would prefer to sit down with an agent and that is not a bad decision Most agents are trained risk managers and will help you if you have claims. The best thing about comparing rates online is that you can find lower rates and still have an agent to talk to. And providing support for local agents is definitely important in Columbus.
Once you complete this simple form, the coverage information is sent to agents in your area who will return price quotes for your car insurance coverage. It’s much easier because you don’t need to contact an agency since rate quotes are delivered to you instantly. In the event you want to quote rates for a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
If you need to find a good Columbus insurance agent, it helps to know the two different agency structures and how they work. Insurance agencies in Columbus are either independent agents or exclusive agents depending on their employer. Both can sell and service car insurance coverage, but it’s worth mentioning the subtle differences since it could factor into the kind of agent you use.
Independent Car Insurance Agents (or Brokers)
These type of agents often have affiliation with several companies so they can quote policies through many different car insurance companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company which requires no work on your part. When comparison shopping, you need to include price quotes from at least one independent agent to get the best comparison. Many independent agencies also insure through mutual insurance companies which may provide better rates.
Shown below is a small list of independent insurance agencies in Columbus who can help you get cheap rate quotes.
- All Ohio Insurance Agency Inc
180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770 – View Map
- Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635 – View Map
- John Dawson Associates
6025 Cleveland Ave – Columbus, OH 43231 – (614) 890-1660 – View Map
Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so you might not find the best rates. These agents receive extensive training on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes buy from exclusive agents mainly due to the brand legacy rather than having low rates.
The following is a short list of exclusive insurance agencies in Columbus that can give you rate quotes.
- Jack Gilkerson – State Farm Insurance Agent
4232 E Main St – Whitehall, OH 43213 – (614) 237-4256 – View Map
- American Family Insurance – Patricia Dews
114 Norton Rd – Columbus, OH 43228 – (614) 878-9720 – View Map
- David Grant – State Farm Insurance Agent
4612 N High St – Columbus, OH 43214 – (614) 262-1055 – View Map
Finding the right car insurance agent requires more thought than just the premium amount. The questions below may impact your decision as well.
- Who are their largest clients?
- Is working in the agency their full-time job?
- Do they regularly work with personal auto policies in Columbus?
- Are they involved in claim handling?
- Are there any discounts that you might be missing?
Find cheap rates by being thorough
We just covered many ways to lower your Audi S6 insurance prices in Columbus. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest prices are with a small local company.
Drivers switch companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, policy cancellation or even an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is easier than you think.
Affordable Audi S6 insurance in Columbus can be found on the web and with local Columbus insurance agents, so get free Columbus auto insurance quotes from both of them to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies prefer to sell through independent insurance agencies.
Steps to finding affordable quotes for Audi S6 insurance in Columbus
If your goal is the lowest price, then the best way to find low-cost prices for Audi S6 insurance in Columbus is to make a habit of regularly comparing prices from providers who sell auto insurance in Ohio.
- First, take a little time to learn about individual coverages and the modifications you can make to drop your rates. Many rating factors that cause high rates such as your driving record and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.
- Third, compare the new rate quotes to your existing rates and determine if cheaper S6 coverage is available. If you find a lower rate quote and decide to switch, make sure coverage does not lapse between policies.
The most important part of shopping around is to use the same amount of coverage on each price quote and and to look at every insurance company. Doing this provides a fair price comparison and a complete price analysis.
To learn more, feel free to browse the resources below:
- Car Insurance: When not to Skimp (BankRate.com)
- What Auto Insurance is Cheapest for a Ford Explorer in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Rates for Ride Shares in Columbus? (FAQ)
- Who Has Affordable Car Insurance Quotes for Good Drivers in Columbus? (FAQ)
- Who Has Affordable Car Insurance Rates for a Dodge Ram in Columbus? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Rollover Crash FAQ (iihs.org)