Compare Audi S6 Insurance Rates in Honolulu

Insurance quote for Audi S6 in HonoluluUnimaginable but true, the vast majority of drivers have purchased from the same company for well over three years, and approximately 40% of consumers have never compared rate quotes at all. Many consumers in America could cut their rates by approximately $859 a year, but most undervalue how much money they would save if they replace their high priced policy.

If your goal is the lowest price, then the best way to get more affordable Audi S6 insurance in Honolulu is to begin comparing prices regularly from providers in Hawaii. Price quotes can be compared by following these guidelines.

First, read about auto insurance and the factors you can control to keep rates low. Many risk factors that cause high rates such as at-fault accidents, careless driving, and a bad credit score can be eliminated by making minor driving habit or lifestyle changes.

Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide prices for many different companies. Begin your rate comparison

Third, compare the new rates to your current policy premium to determine if you can save on S6 insurance in Honolulu. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.

Fourth, provide adequate notice to your current company of your decision to cancel your current coverage and submit a signed application and payment to the new company. Don’t forget to put the new certificate of insurance in an accessible location in your vehicle.

One thing to point out is to use the same coverage limits and deductibles on every quote request and and to get price estimates from as many companies as feasibly possible. Doing this enables an accurate price comparison and the best price selection.

It’s important to know that more quotes will improve the odds of getting more affordable rates.

The companies shown below provide quotes in Hawaii. If multiple companies are shown, we recommend you click on several of them to get a more complete price comparison.

Audi S6 insurance rates and statistics

The premium information shown below outlines estimates of insurance premium costs for Audi S6 models. Having insight into how rates are established can be of help when making smart choices when comparing insurance rates.


Audi S6 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $200 $464 $344 $20 $104 $1,132 $94
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific garaging location which can decrease or increase prices noticeably.

Analysis of deductible levels

One of the most common insurance questions is which deductible level should you buy. The following tables may help you to understand the differences in price of buying low and high physical damage deductibles. The first table uses a $100 deductible and the second rate chart uses a $500 deductible.


Audi S6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $374 $778 $264 $16 $80 $1,537 $128
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Audi S6 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S6 Quattro 4-Dr Sedan $274 $526 $264 $16 $80 $1,160 $97
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can influence premiums greatly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $31 more each month or $372 annually than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claim filings, you would come out ahead going with the higher deductible. Here’s how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $128
Average monthly premium for $500 deductibles (subtract): – $97
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One big caveat is that raising deductibles to save money means you will have to pay more of your own money when you have a claim. You need to make sure you have some available funds in the event you need to pay the deductible.

Full coverage versus liability only rates

The chart below illustrates the difference between Audi S6 insurance premiums with liability coverage only compared to full coverage. The data assumes no claims, a clean driving record, $500 deductibles, single marital status, and no policy discounts are applied.

Should you be buying full coverage?

There is no exact formula of when to eliminate physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Audi S6 book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year to have full coverage, then it might be time to buy liability only.

There are a few situations where only buying liability is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Save Money with These Tips

An important part of buying insurance is that you know the factors that go into determining the level of your policy premiums. If you know what influences your rates, this enables you to make decisions that may result in lower rates.

The type of car, truck or SUV makes a difference – The performance of the car or truck you need insurance for makes a substantial difference in determining your rates. The cheapest rates are usually for lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates.

The next chart uses these assumptions: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Audi S6 insurance premiums compared to other vehicles that have a range of performance rating factors.

Don’t skimp on liability insurance – Liability insurance will protect you if you are ruled to be at fault for physical damage or personal injury to other. It provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.

Save money with good credit – Credit score is a large factor in calculating your insurance rates. Therefore, if your credit score can be improved, you could pay less to insure your Audi S6 by improving your credit score. People that have excellent credit scores tend to be more responsible than drivers with poor credit.

Better premiums on vehicles with better crash test results – Safe vehicles tend to be cheaper to insure. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Audi is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Adjust comp and collision deductibles and save – Your deductibles tell how much you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered would be rear-ending another vehicle, animal collisions, and damage caused by road hazards. The more of the claim you are required to pay out-of-pocket, the better rate you will receive.

Alarm systems save money – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.

Audi S6 claim probability – Companies use claims history when they calculate premium rates for each model. Models that the statistics show to have a higher amount or frequency of claims will have higher premium rates. The table below shows the insurance loss data for Audi S6 vehicles.

For each policy coverage type, the claim probability for all vehicles averaged together is considered to be 100. Values that are under 100 represent a good loss history, while values that are 100 or greater indicate more frequent claims or larger claims.


Insurance Loss Ratings for Audi S6 Vehicles
Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi S6 4dr 4WD 228 52 294
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance is not optional but you don’t have to overpay

Even though it’s not necessarily cheap to insure an Audi in Honolulu, auto insurance is required by state law in Hawaii and it also provides benefits you may not be aware of.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying more than $850 per year so shop around at least once a year to ensure rates are competitive.

Best auto insurance company in Hawaii

Selecting a highly-rated auto insurance company can be rather challenging considering how many different companies insure vehicles in Hawaii. The information listed below can help you analyze which auto insurance companies you want to consider when shopping around.

Top 10 Honolulu Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. Farmers Insurance
  10. Safeco

Top 10 Honolulu Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. State Farm – A++
  3. GEICO – A++
  4. Esurance – A+
  5. Nationwide – A+
  6. Allstate – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. AAA Insurance – A
  10. Liberty Mutual – A