It goes without saying that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop for lower rates will most likely switch auto insurance companies because there is a high probability of finding better rates. A recent survey discovered that people who compared prices regularly saved approximately $865 a year compared to those who never shopped around for cheaper prices.
If finding the lowest rates on Audi S6 insurance is your ultimate objective, then learning a little about how to find and compare car insurance can help make the process easier and more efficient.
It takes a few minutes, but the best way to get low-cost car insurance rates in Pittsburgh is to compare prices at least once a year from companies in Pennsylvania.
- First, try to learn a little about what coverages are included in your policy and the things you can change to keep rates down. Many factors that result in higher rates like speeding and poor credit rating can be rectified by making minor changes in your lifestyle.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies.
- Third, compare the quotes to your existing policy and see if you can save money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide notification to your current company of your intention to cancel the current policy and submit a completed application and payment to the newly selected company. Immediately upon receiving it, put the new proof of insurance certificate along with your vehicle registration.
A key point to remember is that you use similar coverage information on each quote request and and to get prices from every company you can. This ensures the most accurate price comparison and a complete price analysis.
Just remember that comparing a large number of companies increases the chance that you will find the best offered rates.
The car insurance companies shown below are our best choices to provide comparison quotes in Pennsylvania. To get the best cheap auto insurance in Pennsylvania, we recommend you visit two to three different companies to find the most affordable car insurance rates.
Check for these discounts
The price of auto insurance can be rather high, but there are discounts available that many consumers don’t even know exist. A few discounts will be applied at the time you complete a quote, but a few need to be specially asked for before being credited.
- Federal Employees – Active or retired federal employment could qualify for a slight premium decrease with certain companies.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance from them.
- Pittsburgh Homeowners Pay Less – Owning your own home or condo may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
- Good Student – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
- Mature Driver Discount – If you qualify as a senior citizen, you may be able to get reduced rates.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the medical payments premium.
- Driver Safety – Passing a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
- Renewal Discounts – Select insurance companies give a discount for signing up prior to your current S6 insurance policy expiration. This can save 10% or more.
While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
The information below shows the comparison of Audi S6 insurance premiums with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.
The best insurance companies and a partial list of their discounts include:
- 21st Century may offer discounts for homeowners, early bird, driver training, student driver, and good student.
- Progressive has savings for good student, continuous coverage, multi-vehicle, online quote discount, homeowner, and multi-policy.
- State Farm offers premium reductions for safe vehicle, student away at school, multiple autos, good driver, accident-free, multiple policy, and defensive driving training.
- Nationwide offers discounts for accident-free, defensive driving, anti-theft, easy pay, family plan, and Farm Bureau membership.
- Esurance has discounts for defensive driver, renters, paid-in-full, multi-car, online shopper, and emergency road assistance.
- The Hartford includes discounts for driver training, bundle, vehicle fuel type, air bag, defensive driver, good student, and anti-theft.
Check with all the companies which discounts you may be entitled to. A few discounts might not be available to policyholders everywhere.
Audi S6 insurance analysis
The premium table shown below covers a range of insurance policy prices for Audi S6 models. Having a good understanding how policy rates are formulated can help guide drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $292 | $674 | $372 | $22 | $112 | $1,472 | $123 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can affect premiums significantly.
Analysis of deductible levels
When shopping for auto insurance, a common question is at what level do you set your deductibles. The data tables below help summarize the rate fluctuation between low and high coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $418 | $810 | $330 | $20 | $98 | $1,701 | $142 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $258 | $510 | $330 | $20 | $98 | $1,216 | $101 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can revise premiums greatly.
Based on this data, using a $250 deductible will cost in the ballpark of $41 more each month or $492 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claim filings, you would save more money if you choose a higher deductible.
The chart below shows how choosing a deductible and can influence Audi S6 insurance costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Full coverage rates vs. liability-only
The example below illustrates the difference between Audi S6 insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There isn’t a steadfast formula of when to drop full coverage, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Audi S6 replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying your deductible. If you are paying in excess of $700 a year for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Getting quotes from local Pittsburgh auto insurance agents
Certain consumers just want to get professional advice from a licensed agent. One of the best bonuses of comparing car insurance online is the fact that drivers can get cheap car insurance rates and still choose a local agent. And supporting small agencies is important especially in Pittsburgh.
After completing this simple form, your insurance coverage information gets sent to local insurance agents in Pittsburgh that can give you free Pittsburgh car insurance quotes for your coverage. There is no need to contact any insurance agencies as quotes are delivered immediately to your email address. You can find the lowest rates and a licensed agent to talk to. If you have a need to compare rates for a specific company, feel free to find their quoting web page and give them your coverage information.
When finding a local Pittsburgh insurance agency, it’s helpful to know the different agency structures that differ in how they can insure your vehicles. Car insurance agencies may be either independent agents or exclusive agents.
Independent Agents (or Brokers)
These type of agents do not work for one specific company and that is an advantage because they can write policies through many different car insurance companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier and you don’t have to do anything.
If you need lower rates, you will want to include rate quotes from several independent agencies to ensure the widest selection of prices. Most can insure with companies that do not advertise much who may have lower rates.
Below are Pittsburgh independent insurance agents that may be able to give you free price quotes.
- Feeney Insurance Agency
1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850 – View Map - Ron Dunn Insurance Agency, LLC
124 Ingram Ave – Pittsburgh, PA 15205 – (412) 922-1126 – View Map - Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
Exclusive Agents
Agents that elect to be exclusive have only one company to place business with such as Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates. A lot of people use the same exclusive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Shown below are exclusive agents in Pittsburgh who can help you get price quotes.
- Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 – View Map - Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Deciding on an insurance agency should depend on more than just the premium amount. Before buying a policy in Pittsburgh, get answers to these questions.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they involved in claim handling?
- Are they properly licensed to sell insurance in Pennsylvania?
- How long has their agency been open in Pittsburgh?
- Can they provide you with a list of referrals?
How to Lower Your Insurance Prices
When buying auto insurance it’s important to understand some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this enables informed choices that may reward you with lower auto insurance prices. Many things are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are more obscure like where you live or your vehicle rating.
The factors shown below are a partial list of the pieces that factor into premiums.
Better credit means lower premiums – Your credit rating will be a significant factor in determining what you pay. Therefore, if your credit rating can be improved, you may save money insuring your Audi S6 if you improve your credit rating. Insureds that have good credit tend to be better risks to insure as compared to drivers with poor credit scores.
High performance vehicles cost more to insure – The make and model of the vehicle you need insurance for makes a significant difference in determining your rates. The lowest performance passenger models usually have the lowest rates, but other factors influence the final cost greatly.
The following data uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Audi S6 policy rates compared to other models that have a range of performances.
Small coverages can add up – There are a ton of additional extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for coverage for rental cars, towing, and motor club memberships may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if they’re wasting money eliminate them to save money.
Careless driving leads to higher premiums – Careful drivers have lower premiums as compared to those with violations. Only having one speeding ticket or other violation can increase rates by as much as thirty percent. People who have dangerous tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state DMV in order to keep their license.
The information below illustrates how traffic citations and accidents can increase Audi S6 annual premium costs for each different age group. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Five star crash test rating saves money – Safer cars can get you lower premiums. Highly rated vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If the Audi S6 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Car insurance liability coverage limits – Liability insurance is the protection if you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
Insurance loss probability for an Audi S6 – Companies use claims history to calculate a rate that offsets possible losses. Models that are shown to have higher prevalence or dollar amount of losses will have higher rates for specific coverages.
The table below demonstrates the insurance loss data used by companies for Audi S6 vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentage values below 100 indicate a favorable loss history, while percentage values above 100 indicate frequent claims or tendency to have higher losses.
| Make and 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance is not optional in Pennsylvania
Even though Pittsburgh S6 insurance rates can get expensive, maintaining insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
- The majority of states have mandatory insurance requirements which means state laws require a specific level of liability coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Audi S6, most banks will require that you have physical damage coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Audi at a much higher premium rate and force you to reimburse them for the much more expensive policy.
- Insurance safeguards both your Audi and your personal assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your S6 greatly outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $850 per year so compare rates once a year at a minimum to help ensure money is not being wasted.
What is the best car insurance company in Pittsburgh?
Insuring your vehicle with a highly-rated car insurance provider can be a challenge considering how many companies provide coverage in Pennsylvania. The information shown next can help you select which car insurance companies to look at comparing rates from.
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Persistence pays off
You just read many ways to save on Audi S6 insurance in Pittsburgh. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the biggest savings come from an unexpected company.
When searching for cheaper Pittsburgh car insurance quotes, never skimp on coverage in order to save money. In many instances, an accident victim reduced full coverage and discovered at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.
Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, denial of a claim or even poor customer service. Regardless of your reason, finding a great new company can be pretty painless.
More learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has Cheap Pittsburgh Auto Insurance Quotes for Electric Cars? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Auto Insurance for Veterans? (FAQ)
- What Insurance is Cheapest for a Ford Focus in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance for Low Credit Scores? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)