Compare Audi S6 Insurance Rates in Memphis

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Audi S6

It takes a few minutes, but the best way to find the cheapest price for Audi S6 insurance in Memphis is to start comparing prices regularly from insurance carriers in Tennessee. You can compare prices by following these guidelines.

  1. Try to understand what is in your policy and the factors you can control to keep rates in check. Many things that result in higher prices such as traffic violations, accidents, and poor credit can be improved by making minor changes in your lifestyle. This article provides additional ideas to prevent rate hikes and find available discounts that you may qualify for.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can quote prices for many different companies. View insurance agents
  3. Compare the price quotes to your existing rates and see if there is a cheaper rate in Memphis. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide written notification to your current company to cancel the current policy and submit payment along with a signed and completed policy application to your new insurance company. Once the paperwork is finalized, store the proof of insurance paperwork in an accessible location in your vehicle.

One tip to remember is to make sure you enter identical coverage information on each price quote and and to get rates from as many companies as you can. Doing this helps ensure an accurate price comparison and a complete rate analysis.

Insurance rates Audi S6 in MemphisA recent survey discovered that almost 70% of insureds have stayed with the same insurance company for a minimum of four years, and nearly half have never shopped around. Many consumers in Memphis can save hundreds of dollars each year, but they just assume it's a time-consuming process to shop their coverage around.

The car insurance companies shown below have been selected to offer price comparisons in Memphis, TN. If multiple companies are listed, it's a good idea that you get price quotes from several of them to get the best price comparison.

Discounts mean cheaper rates for Audi S6 insurance in Memphis

Auto insurance companies do not advertise every discount very clearly, so the following is a list of some of the more common as well as the least known credits available to you.Cheaper insurance with discounts

  • Include Life Insurance and Save - Larger insurance companies have a discount if you purchase auto and life insurance together.
  • Multi-Vehicle Discounts - Drivers who insure several vehicles on the same insurance policy could earn a price break for each car.
  • Seat Belt Usage - Requiring all passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Policy Bundle Discount - If you can bundle your homeowners and auto insurance and place coverage with the same company you may save 10% to 20% off each policy.
  • Defensive Driver Discount - Completing a driver safety course can save you 5% or more if you qualify.
  • Memphis Homeowners Pay Less - Owning a house in Memphis may trigger a policy discount on insurance because it shows financial diligence.
  • ABS Braking Discount - Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So even though you would think it's possible to get free car insurance, you won't be that lucky.

The chart below visualizes the comparison of Audi S6 annual premium costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving citations, Tennessee 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 safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

Some of the larger companies that may offer quotes with these benefits include:

Before buying, ask every prospective company how you can save money. Some discounts might not be offered on policies in Memphis. To find insurance companies that offer many of these discounts in Memphis, click here to view.

Analysis of Audi S6 rates

The coverage table shown next covers a range of insurance rates for Audi S6 models. Having a good understanding how car insurance premiums are calculated can help customers make informed coverage decisions.

Audi S6 Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $330 $706 $390 $24 $116 $1,566 $131
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can raise or lower auto insurance rates substantially.

Analysis of deductible levels

When buying insurance, a common question is where should you set your physical damage deductibles. The rates below sum up the rate fluctuation between high and low comp and collision deductibles. The first set of rates uses a $250 deductible and the second data table uses a $500 deductible.

Audi S6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $366 $712 $288 $18 $86 $1,495 $125
Get Your Own Custom Quote Go
Audi S6 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $298 $574 $288 $18 $86 $1,264 $105
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in Memphis location which can decrease or increase auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $20 more each month or $240 each year than quoting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 13 months between claim filings, you would more than likely save some money if you decide on a higher deductible. The table below illustrates how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): - $105
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that a higher deductible level means you will have to pay more when you have a physical damage claim. You need a higher level of savings in order to pay the higher deductible in order to repair your vehicle.

The diagram below highlights how deductible choice and can change Audi S6 insurance costs for different ages of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

How accidents and violations affect rates

The chart below highlights how traffic violations and at-fault collisions influence Audi S6 insurance premiums for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Men versus women drivers and insurance cost

The example below illustrates the comparison of Audi S6 insurance costs for male and female drivers. The premium estimates are based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.

Local neighborhood Memphis car insurance agents

A small number of people still like to buy from a local agent and that can be a smart move Good insurance agents can help you choose the best coverages and help file insurance claims. The biggest benefit of getting free rate quotes online is you can get cheap insurance quotes but still work with a licensed agent. Buying from and supporting local agencies is still important in Memphis.

To make it easy to find an agent, after completing this simple form, your insurance data is emailed to local insurance agents in Memphis who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies as quotes are delivered to you. If you need to get a rate quote from a particular provider, don't hesitate to search and find their rate quote page to submit a rate quote request.

If you want to use a local Memphis insurance agent, it can be helpful to understand the types of insurance agents and how they can quote your rates. Insurance agents are either independent or exclusive. Either one can properly insure your vehicles, but it's good to learn why they differ since it can impact buying decisions.

Independent Insurance Agents (or Brokers)

Independent agents are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move your policy to a different company and you don't have to switch agencies.

When comparing rate quotes, we recommend you compare prices from independent agents for the best price selection. Most also write with mutual insurance companies that may provide cheaper insurance rates.

The following is a partial list of independent agencies in Memphis who may be able to give you free rate quotes.

More Memphis agents

Exclusive Agents

Agents in the exclusive channel work for only one company such as State Farm, Allstate and AAA. Exclusive agencies are unable to place coverage with different providers so it's a take it or leave it situation. They receive a lot of sales training on what they offer which helps them compete with independent agents. Many people purchase coverage from exclusives mostly because of loyalty to the company and the convenience of having all coverages with one company.

Listed below is a list of exclusive insurance agents in Memphis who can help you get price quotes.

More Memphis agents

Picking an car insurance agent requires more thought than just a cheap price. The answers to these questions are important, too.

  • If you raise deductibles, how much can you save?
  • Do the coverages you're quoting properly cover your vehicle?
  • Will they take your side in the event of a claim?
  • Will the quote change when the policy is issued?
  • How is replacement cost determined on your vehicle?
  • How much experience to they have in personal lines coverages?
  • Are they able to provide referrals?
  • How long has their agency been open in Memphis?

Why you need quality insurance for your vehicle

Despite the high insurance cost for a Audi S6 in Memphis, paying for insurance serves several important purposes.

  • Just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to drive the car. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your S6 has a loan, it's guaranteed your bank 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 bank may insure your Audi for a lot more money and require you to pay the higher premium.
  • Insurance protects not only your vehicle but also your financial assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney 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 cover the repair costs.

The benefits of having insurance are without a doubt worth the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $810 a year so we recommend shopping around at every renewal to save money.

Insurance coverage breakdown

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for expenses for X-ray expenses, rehabilitation expenses, doctor visits and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, fire damage, vandalism and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance - This coverage can cover damages or injuries you inflict on other's property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/15 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people's vehicles, legal defense fees, emergency aid, attorney fees and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Tennessee state law requires minimum liability limits of 25/50/15 but you should think about purchasing more coverage.

The illustration below demonstrates why minimum state limits may not be adequate.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Audi S6.

Since many Tennessee drivers carry very low liability coverage limits (Tennessee limits are 25/50/15), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage - This coverage will pay to fix damage to your S6 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible on your S6 to bring the cost down.

Affordable auto insurance rates are out there

When getting Memphis car insurance quotes online, don't be tempted to reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to get the best coverage possible at the best cost, but don't skip important coverages to save money.

We just presented many ideas to save on Audi S6 insurance in Memphis. The key thing to remember is the more providers you compare, the better chance you'll have of finding low cost Memphis car insurance quotes. You may even be surprised to find that the best rates are with a lesser-known regional company.

Drivers switch companies for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, high rates after DUI convictions and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

More tips and info about auto insurance is available by following these links: