Car Insurance Quotes for an Audi S6 in Boston

It takes a little time, but the best way to find affordable Audi S6 insurance is to regularly compare quotes from insurance carriers in Boston.

1. Learn about how insurance works and the steps you can take to prevent expensive coverage. Many rating factors that increase rates like accidents, traffic tickets, and an unfavorable credit rating can be improved by improving your driving habits or financial responsibility.
2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple insurance companies. Start a quote
3. Compare the price quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate quote, verify that coverage does not lapse between policies.

The most important part of this process is to make sure you enter the same coverage limits and deductibles on each quote and and to get price quotes from every insurance company. This enables a fair rate comparison and a complete selection of prices.

A recent survey discovered that almost 70% of insureds kept their policy with the same company for more than four years, and approximately 40% of consumers have never even compared rates from other companies. Boston consumers could save themselves up to 45% a year by just comparing rate quotes, but they feel it’s too difficult to compare rates and save money.

The are a couple different ways to compare prices from many different Massachusetts insurance companies. The best way to find competitive insurance rates involves getting comparison quotes online.

Getting free rate quotes online is quite simple, and it replaces the need to waste gas driving to each insurance agency near you. The fact that you can get quotes online eliminates the need for an insurance agent unless you require the guidance of an agent trained in personal lines coverage. However, consumers can price shop your coverage online but purchase the actual policy in an agency. When price shopping your coverage, more quotes provides better odds of finding better pricing.

The companies in the list below are ready to provide price comparisons in Massachusetts. If you want cheap car insurance in Massachusetts, we suggest you get rates from several of them to find the cheapest car insurance rates.

Audi S6 insurance coverage information

The premium information displayed below outlines different insurance coverage prices for Audi S6 models. Learning as much as possible about how insurance prices are figured can be useful when making informed decisions when shopping around for a new policy.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in Boston location which can increase or decrease rates significantly.

Deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The comparison tables below sum up the premium difference when you select higher and lower policy deductibles. The first data table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can influence coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $22 more each month or $264 every year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 11 months between claims, you would save money if you choose the higher deductible. The table below illustrates a better example of how this calculation is made.

Rate difference between full and liability-only coverage

The chart below compares Audi S6 yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There is no specific rule of when to stop paying for full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Audi S6 book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Protect more than your Audi vehicle

Even though it’s not necessarily cheap to insure an Audi in Boston, insurance serves an important purpose.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability coverage if you don’t want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your S6, most banks will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Audi at a significantly higher premium and require you to pay a much higher amount than you were paying before.
• Insurance protects both your vehicle and your assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of insuring your S6 definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Boston is overpaying over $810 a year so shop around at least once a year to save money.

How Insurance Companies Calculate Audi S6 Insurance Premiums

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are not as apparent such as whether you are married or how financially stable you are.

The list below includes some of the most rate-impacting factors used by companies to determine premiums.

Save money with higher coverage deductibles – The deductibles tell how much you are required to spend out-of-pocket before your car insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a stationary object, damage from fire, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less your company will charge you for insurance.

Rates increase with driving citations – Your driving citation history has a huge affect on how much you pay. Even one ticket may cause rates to rise substantially. Attentive drivers receive lower rates than people who have multiple driving citations. Drivers with careless violations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.

The diagram below illustrates how violations and at-fault fender-benders can increase Audi S6 auto insurance costs for different age categories. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Is your car, truck or SUV built for speed? – The performance of the vehicle you drive makes a huge difference in how high your rates are. The lowest premiums tend to be for small economy passenger vehicles, but many other things help determine your insurance rates.

The following chart assumes a single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Audi S6 insurance rates compared to other vehicles that have a range of performance rating factors.

High credit scores save money – Having a bad credit score will be a significant factor in determining what you pay for car insurance. Drivers with very high credit ratings tend to be less risk to insure than drivers with worse credit. If your credit score could use some work, you could save money insuring your Audi S6 by repairing your credit.

Job can influence rates – Occupational choices like lawyers, social workers, and miners generally have higher rates than the rest of us in part from intense work-related stress and long work days. On the other hand, careers like farmers, engineers and retirees receive lower rates.

Men tend to take more risk – The statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Males and females get in at-fault accidents in similar numbers, but the men have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.

The illustration below compares Audi S6 car insurance rates for male and female drivers. The price estimates are based on no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no other discounts are factored in.

Teenage drivers are expensive to insure – Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets. Teen drivers tend to be inattentive when driving therefore car insurance rates are much higher.

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

Where you call home can modify prices – Having an address in a small town is a good thing when talking about car insurance. Less people means fewer accidents and lower theft and vandalism rates. People in densely populated areas have to deal with more traffic problems and much longer commute distances. More time behind the wheel means more chance of being in an accident.

Insurance loss statistics an Audi S6 – Auto insurance companies analyze the history of losses when they set coverage costs for each model. Vehicles that tend to have increased claim numbers or amounts will have a higher cost to insure.

The table shown below demonstrates the actual insurance loss data for Audi S6 vehicles. For each policy coverage type, the loss probability for all vehicles as a whole is a value of 100. Values under 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent claims or statistically larger claims.

Boston car insurance company ratings

Finding a highly-rated insurance company can be challenging considering how many different companies sell coverage in Boston. The company information below could help you choose which providers you want to consider when shopping your coverage around.

Top 10 Boston Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. State Farm – 87%
8. Travelers – 87%
9. Mercury Insurance – 87%
10. Safeco Insurance – 86%

Top 10 Boston Car Insurance Companies Ranked by Customer Service

1. Mercury Insurance
2. Titan Insurance
3. The Hartford
4. American Family
5. Progressive
6. USAA
7. Travelers
8. State Farm
9. GEICO
10. Allstate

Quote often and quote early

We just presented quite a bit of information on how to get a better price on Audi S6 insurance in Boston. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding cheaper Boston car insurance quotes. You may even be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you quote Boston car insurance, do not buy less coverage just to save a little money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The aim is to find the BEST coverage for the lowest cost while still protecting your assets.

More tips and info about insurance can be found in these articles:

• Coverage Information (Progressive Insurance)
• How Much are Auto Insurance Quotes for a Toyota RAV4 in Boston? (FAQ)
• Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Boston? (FAQ)
• Who Has Affordable Boston Auto Insurance for 4×4 Vehicles? (FAQ)
• Who Has Cheap Boston Auto Insurance for Government Employees? (FAQ)
• Who Has Affordable Boston Auto Insurance for Low Credit Scores? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)