It’s amazing but most consumers in North Carolina renewed their policy with the same company for at least the last four years, and 38% of customers have never compared rates to find affordable insurance. American insurance shoppers could save as much as 46.5% each year by just comparing quotes, but most undervalue how much savings they would realize if they switched to a more affordable policy.
Really, the only way to get the cheapest Audi S6 insurance in Durham is to do an annual price comparison from insurers in North Carolina.
- Step 1: Read about how insurance companies determine prices and the modifications you can make to keep rates low. Many things that result in higher rates like speeding and an unfavorable credit rating can be rectified by making lifestyle changes or driving safer.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources.
- Step 3: Compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save some money and make a switch, make sure coverage does not lapse between policies.
- Step 4: Provide notification to your current agent or company of your intent to cancel your current coverage and submit payment and a signed application for your new coverage. Once the application is submitted, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
A good tip to remember is to compare identical limits and deductibles on every price quote and and to get quotes from as many companies as possible. Doing this guarantees a level playing field and plenty of rates choose from.
Auto insurance providers offering competitive price quotes in North Carolina
The following companies can provide free quotes in North Carolina. If your goal is to find cheaper auto insurance in Durham, we suggest you visit as many as you can to find the lowest auto insurance rates.
Statistics and details
The premium information displayed below showcases different insurance premium costs for Audi S6 models. Knowing how rate quotes are figured can help customers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $360 | $614 | $326 | $20 | $98 | $1,418 | $118 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in Durham location which can change auto insurance rates greatly.
Tickets and at-fault accidents raise rates
The information below shows how traffic citations and fender-benders drive up Audi S6 insurance rates for each different age group. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Annual premiums for males compared to females
The information below shows the comparison of Audi S6 yearly insurance costs for male and female drivers. The premiums assume no violations or claims, full coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Smart Buyers Know How to Find Car Insurance for Less
Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can earn you lower premium levels. Many different elements are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are less obvious such as whether you are married or your financial responsibility.
Occupation reflects on premiums – Did you know your occupation can influence how much you pay for car insurance? Careers like judges, executives, and stock brokers tend to have higher rates than average attributed to intense work-related stress and lengthy work days. On the other hand, careers like scientists, students and the unemployed pay lower than average rates.
Put fewer miles on your vehicle – The more miles you rack up on your Audi annually the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how much you drive. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Incorrect rating for your S6 may be wasting your money. Ask your agent if your declarations sheet properly reflects the proper vehicle usage.
Lower performance equals lower insurance rates – The performance of the vehicle you are insuring makes a significant difference in how high your rates are. Small economy passenger vehicles usually have the lowest rates, but many other things help determine your insurance rates.
The next chart uses these assumptions: married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Audi S6 insurance premiums compared to other models of vehicles that have different performance rating factors.
Do you really need to file those policy claims? – If you file claims often, you should expect either policy cancellation or increased premiums. Insurance companies in North Carolina generally give the lowest premiums to insureds who only file infrequent claims. Your insurance policy is intended for more catastrophic claims.
Bad credit hurts insurance costs – An insured’s credit history is likely to be a major factor in determining what you pay for car insurance. People with excellent credit tend to be less risk to insure than drivers with lower credit scores. If your credit score can use some improvement, you may save money insuring your Audi S6 by repairing your credit.
Insurance losses for an Audi S6 – Insurers use historical loss data when determining insurance costs. Models that the data determines to have higher frequency or amount of claims will be charged more to insure.
The data below shows the insurance loss data used by companies for Audi S6 vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together equals 100. Values that are 100 or less suggest a better than average loss history, while percentage numbers above 100 show a trend for more claims or larger claims.
| Specific Audi 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
Get cheaper Audi S6 insurance in Durham with discounts
Some companies don’t always publicize every available discount very clearly, so the following list contains a few of the more well known and the harder-to-find insurance savings.
- Savings for New Vehicles – Buying a new car instead of a used S6 can get you a discount because newer vehicles are generally safer.
- Distant College Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
- Discount for Passive Restraints – Options like air bags or automatic seat belts may get savings as much as 30%.
- ABS and Traction Control Discounts – Cars with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
- Drive Less and Save – Maintaining low annual mileage can earn lower rates on the low mileage vehicles.
- Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Sign Online – A handful of insurance companies may give you up to $50 shop Durham car insurance on your computer.
- Professional Organizations – Being in a civic or occupational organization in Durham can get you a small discount on your bill.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.
The illustration below shows the comparison of Audi S6 insurance rates with and without discounts applied to the rates. The data assumes a female driver, no accidents or driving violations, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.
A few popular companies and some of the premium reductions they offer are detailed below.
- GEICO offers premium reductions for federal employee, anti-lock brakes, multi-policy, seat belt use, multi-vehicle, driver training, and membership and employees.
- MetLife may offer discounts for good student, claim-free, good driver, multi-policy, and accident-free.
- Progressive may include discounts for good student, multi-policy, homeowner, multi-vehicle, and online quote discount.
- Travelers includes discounts for early quote, driver training, payment discounts, home ownership, multi-policy, and save driver.
- SAFECO discounts include teen safety rewards, safe driver, anti-lock brakes, multi-car, accident prevention training, bundle discounts, and drive less.
- AAA has savings for education and occupation, pay-in-full, multi-policy, good driver, multi-car, and good student.
Before you buy a policy, ask all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not apply to policies in every state. To see a list of insurance companies who offer cheap Audi S6 insurance quotes in Durham, click here.
When to have guidance from an agent
Some people still prefer to talk to a local agent. Professional agents are highly skilled in risk management and help file insurance claims. A nice benefit of comparing insurance online is the fact that you can find better rates and still have an agent to talk to. Buying from and supporting local agents is important especially in Durham.
To find an agent, once you fill out this short form, your coverage information is sent to local insurance agents in Durham who want to provide quotes for your insurance coverage. You don’t have to contact an agency because prices are sent directly to your email. If you wish to get a rate quote for a specific company, you just need to go to their quote page and submit a quote form there.
Different types of Durham car insurance agents
If you would like to find a reputable insurance agent or broker, it helps to know the two different types of agencies that you can select. Durham agents can be described as either exclusive agents or independent agents. Both types of agents can provide insurance policies, but it’s worth learning the subtle differences since it could factor into the type of agent you choose.
Independent Insurance Agencies or Brokers
Agents that choose to be independent are not locked into one company so they have the ability to put coverage with a variety of different insurance companies and get the cheapest rates. If they find a cheaper price, your policy is moved internally and that require little work on your part.
When searching for an agent, you definitely need to compare quotes from at a minimum one independent agency to have the most options to choose from.
Listed below is a partial list of independent agencies in Durham who can help you get free price quotes.
Hix Insurance Center
1533 Glenn School Road, Building C Unit A-14 – Durham, NC 27704 – (919) 220-3031 – View Map
Bull City Insurance
121 Sherron Rd #302 – Durham, NC 27703 – (919) 596-0671 – View Map
Knox Insurance Agency
200 Meredith Dr Suite 104 – Durham, NC 27713 – (919) 313-6411 – View Map
Exclusive Agents
These type of agents write business for a single company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so always compare other rates. Exclusive agencies are very knowledgeable in insurance sales which helps them sell on service rather than price.
Shown below are exclusive agencies in Durham that are able to give price quote information.
Jeff Stephenson – State Farm Insurance Agent
8200 Renaissance Pkwy #1004 – Durham, NC 27713 – (919) 572-1702 – View Map
Antonio Vela – State Farm Insurance Agent
121 Sherron Rd #106 – Durham, NC 27703 – (919) 596-2700 – View Map
Allstate Insurance Agent: Caufield Agency
4845 Industry Ln Ste D – Durham, NC 27713 – (919) 493-7471 – View Map
Finding a good car insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- How often do they review coverages?
- How many years of experience in personal auto insurance do they have?
- Do they make recommendations based only on price?
- If you raise deductibles, how much can you save?
- If you are a high risk driver, do they have special markets for your coverage?
Once you have received good responses to all your questions and a good coverage price, chances are good that you have found an auto insurance agent that is reputable and can properly insure your vehicles. Just understand that you are able to cancel your policy at any time so never feel that you are obligated to any specific company for the entire policy term.
What is the best insurance coverage?
Keep in mind that when it comes to choosing a policy for your vehicles, there really isn’t a one size fits all plan. Your needs are unique to you and your insurance should unique, too.
For instance, these questions may help highlight whether you may require specific advice.
- What does UM/UIM cover?
- Is coverage enough to protect my assets?
- What exactly is covered by my policy?
- Am I covered if I hit someone who is not insured?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered when using my vehicle for business?
- When should I drop full coverage on my Audi S6?
- Am I covered if hit by an uninsured driver?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Don’t give up on affordable rates
When you buy Durham car insurance online, it’s a bad idea to reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.
Some insurance companies may not offer rates over the internet and usually these small, regional companies provide coverage only through independent agents. Cheaper insurance in Durham can be bought on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.
More information is located at the links below
- Anti-Lock Brake FAQ (iihs.org)
- How Much are Durham Car Insurance Quotes for Ride Shares? (FAQ)
- Who Has Affordable Car Insurance for a Mazda CX-7 in Durham? (FAQ)
- Who Has Cheap Durham Car Insurance Rates for Drivers with a DUI? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers Under 21 in Durham? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Durham? (FAQ)
- State Car Insurance Guides (GEICO)
- How to Avoid Common Accidents (State Farm)