It’s easy to assume that insurance companies don’t want their customers to go rate shopping. Consumers who shop around for cheaper rates are very likely to switch to a new company because there is a great chance of finding coverage at a cheaper rate. A recent car insurance study revealed that consumers who routinely shopped around saved an average of $72 a month compared to people who never shopped for cheaper rates.
If finding budget-friendly rates on car insurance in Fresno is your intention, then having a good understanding how to find companies and compare coverage rates can help you succeed in saving money.
It takes a little time, but the best way to get low-cost Audi S6 insurance is to regularly compare quotes from providers in Fresno. Price quotes can be compared by completing these steps.
Step 1: Read and learn about car insurance and the factors you can control to keep rates down. Many things that increase rates like careless driving and a less-than-favorable credit history can be eliminated by being financially responsible and driving safely. Later in this article we will cover information to get affordable coverage and find discounts that you may qualify for.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple companies. Compare rates now
Step 3: Compare the new rates to your current policy to see if you can save by switching companies. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy and submit a down payment and signed policy application to the newly selected company. Be sure to store the certificate verifying coverage in your glove compartment.
One key aspect when comparing rates is that you’ll want to make sure you compare the same liability limits and deductibles on each quote and and to get quotes from as many companies as you can. Doing this helps ensure a fair price comparison and a thorough price selection.
The easiest way to get policy rate comparisons for Audi S6 insurance in Fresno is to know the trick almost all companies have advanced systems to compare rate quotes. To get started, all you need to do is provide information including how you use your vehicles, if you went to college, whether you have decent credit, and if you are currently licensed. That information is then sent to multiple companies and they return rate quotes almost instantly.
To compare multiple company cheap Audi S6 insurance rates now, click here and find out if lower rates are available in Fresno.
The providers in the list below provide price comparisons in California. In order to find cheap auto insurance in Fresno, we suggest you get prices from several of them in order to find the most competitive rates.
Rates and data analysis
The coverage information shown next highlights different rate quotes for Audi S6 models. Understanding more about how rate quotes are figured is important for you to make smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S6 Quattro 4-Dr Sedan||$392||$860||$464||$28||$138||$1,882||$157|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location which can decrease or increase coverage prices considerably.
The example below demonstrates how choosing different deductibles and can raise or lower Audi S6 annual premium costs for different age groups. The data assumes a single male driver, full physical damage coverage, and no discounts are applied.
Poor driving habits will raise your car insurance rates
The information below shows how speeding tickets and fender-benders increase Audi S6 auto insurance costs for different age categories. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Yearly car insurance costs for men versus women
The diagram below illustrates the difference between Audi S6 yearly insurance costs for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Audi S6 liability-only versus full coverage
The example below shows the difference between Audi S6 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no specific rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Audi S6 book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If premium cost is more than $200 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Insurance in California serves several purposes
Despite the high cost, buying insurance is mandatory in California but it also protects more than you think.
First, almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability protection in order to be legal. In California 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.
Second, if you have a loan on your vehicle, it’s most likely the lender will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Audi at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance preserves not only your vehicle but also your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your Audi gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying insurance outweigh the cost, especially for larger claims. Unknowingly, the average driver overpays more than $820 a year so it’s recommended you shop around at every policy renewal to save money.
Audi S6 insurance discounts in Fresno
Some insurers don’t necessarily list every available discount in an easy-to-find place, so the below list has both well-publicized as well as some of the hidden credits that may apply to you.
- Senior Citizen Discount – If you qualify as a senior citizen, you can get a small decrease in premiums.
- Life Insurance – Insurance carriers who offer life insurance give better insurance rates if you take out life insurance.
- One Accident Forgiven – This isn’t a discount exactly, but companies like Liberty Mutual, GEICO and Allstate will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims before the accident.
- Online Discount – Many companies provide a small discount just for signing your application online.
- Drive Safe and Save – Drivers without accidents may save up to 50% more than their less cautious counterparts.
- Home Ownership Discount – Simply owning a home may earn you a small savings because it is proof that your finances are in order.
- Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction but check with your company.
- Organization Discounts – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.
A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will reduce your policy premiums.
The chart below visualizes the comparison of Audi S6 car insurance costs with and without some available policy discounts. The costs are based on a male driver, no violations or claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.
A few popular companies and their offered discounts are outlined below.
- GEICO has discounts for emergency military deployment, daytime running lights, seat belt use, membership and employees, good student, anti-theft, and military active duty.
- Travelers offers premium reductions for IntelliDrive, multi-car, student away at school, multi-policy, hybrid/electric vehicle, and continuous insurance.
- Nationwide may offer discounts for Farm Bureau membership, anti-theft, multi-policy, accident-free, and defensive driving.
- Farmers Insurance may include discounts for multi-car, homeowner, early shopping, business and professional, and distant student.
- Esurance offers discounts for anti-theft, good driver, claim free, defensive driver, emergency road assistance, multi-car, and homeowner.
- State Farm discounts include multiple autos, safe vehicle, multiple policy, good student, and defensive driving training.
- Progressive may have discounts that include good student, multi-policy, multi-vehicle, online signing, homeowner, and continuous coverage.
- Mercury Insurance policyholders can earn discounts including annual mileage, low natural disaster claims, ease of repair, good driver, professional/association, location of vehicle, and accident-free.
When getting free Fresno car insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. Some discounts listed above might not apply in your area.
Compare prices but still have a local neighborhood Fresno car insurance agent
Some consumers still like to sit down and talk to an agent and that is recommended in a lot of cases One of the benefits of comparing rate quotes online is that you can find cheap insurance quotes and also buy local.
To make it easy to find an agent, after completing this simple form, your insurance data gets sent to agents in your area that give free quotes for your coverage. There is no reason to search for any insurance agencies as quotes are delivered instantly to you. You can find the lowest rates and a licensed agent to talk to. If you want to compare rates from a specific insurance provider, don’t hesitate to visit that company’s website and give them your coverage information.
Picking the best insurer requires more thought than just a low price. These questions are important to ask:
- Will the agent help in case of a claim?
- Will you get a loaner vehicle if you car is being repaired?
- Does the agency have a current Errors and Omissions policy?
- Are they properly licensed to sell insurance in California?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is there a local claims center in Fresno?
- Are there any extra charges for paying monthly?
- Can you get a list of referrals?
What types of auto insurance agents are in Fresno?
When searching for a reputable insurance agent or broker, it’s important to understand the types of agencies and how they differ in how they quote coverages. Agents are considered either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents that choose to be exclusive can only provide pricing for a single company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. These agents are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives mainly due to loyalty to the company instead of buying on price only.
The following is a short list of exclusive insurance agents in Fresno willing to provide comparison quotes.
- Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map
- Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map
- Farmers Insurance: Israel Cortes
5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300 – View Map
Independent Insurance Agents
Independent insurance agents are appointed with more than one company and that allows them to write policies with a variety of different insurance companies and get you the best rates possible. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part. When comparing rate quotes, it’s recommended you check rates from a couple of independent agencies to get the most accurate price comparison. Most independent agents also contract with additional companies that you may not be familiar with that may provide cheaper insurance rates.
The following are independent insurance agencies in Fresno that can give you price quotes.
- New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map
- Central Auto Insurance
3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911 – View Map
- United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map
Car insurance 101
Knowing the specifics of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Coverage for liability
Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for claims like structural damage, pain and suffering, bail bonds, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying better liability coverage.
The next chart demonstrates why the minimum limit may not be enough.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, EMT expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Audi S6.
Since a lot of drivers only carry the minimum required liability limits (15/30/5 in California), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Collision insurance will pay to fix damage to your S6 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with a tree, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your S6 to save money on collision insurance.
Cheaper insurance rates are available
In this article, we presented many tips how you can save on Audi S6 insurance in Fresno. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.
Cost effective Audi S6 insurance can be sourced online and with local Fresno insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer internet price quotes and these smaller providers work with independent agencies.
When getting Fresno car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
More learning opportunities
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Equinox in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Inexperienced Drivers in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Fresno? (FAQ)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- What is a Telematics Device? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)