Audi S6 Insurance Quotes in Anchorage

Unbelievable but true according to a study over 70% of drivers kept buying from the same company for over three years, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in Alaska could save nearly 35% each year just by comparing rates, but most tend to underestimate the large savings they would see if they switched to a cheaper policy.

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Audi S6 insurance is to do a yearly price comparison from insurance carriers that insure vehicles in Anchorage. Price quotes can be compared by completing these steps.

1. Get a basic knowledge of auto insurance and the measures you can control to keep rates low. Many risk factors that cause high rates like high-risk driving behaviors and a negative credit history can be controlled by making minor changes to your lifestyle. This article provides more ideas to help prevent expensive coverage and find available discounts that you may qualify for.
2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agents can provide price quotes for many different companies.
3. Compare the quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no coverage gap between policies.
4. Notify your company or agent to cancel the current policy. Submit payment along with a signed and completed policy application for your new coverage. When you receive it, place your new proof of insurance certificate in an easily accessible location in your vehicle.

The most important part of this process is to try to compare the same deductibles and limits on every price quote and and to get quotes from as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and the best price selection.

How much does Audi S6 insurance in Anchorage cost?

Just remember that comparing more prices increases the chance that you will find more affordable insurance. Some companies don’t provide rate quotes online, so you need to compare price estimates from them as well.

The providers in the list below have been selected to offer price quotes in Anchorage, AK. If you wish to find cheap auto insurance in Alaska, it’s highly recommended you compare several of them in order to find the most affordable rates.

Why you need Audi S6 insurance in Alaska

Despite the high cost, insurance may not be optional for several reasons.

• Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance in order to license the vehicle. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your vehicle, it’s most likely the lender will stipulate that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Audi at a more expensive rate and force you to reimburse them the higher premium.
• Auto insurance preserves both your Audi and your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.

The benefits of buying auto insurance more than offset the price you pay, particularly when you have a large claim. The average driver in America is currently overpaying as much as $850 per year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.

Data for Audi S6 insurance

The data table below outlines a range of insurance policy prices for Audi S6 models. Being aware of how insurance prices are formulated is important for drivers to make informed purchases.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can raise or lower price quotes substantially.

Comparison of policy deductibles

When shopping for insurance, a common question is at what level do you set your deductibles. The tables below lay out the difference in cost when you choose different physical damage deductibles. The first price estimate table uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can impact coverage prices noticeably.

We can estimate from the data above that using a $250 deductible costs approximately $34 more each month or $408 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 22 months between claims, you would save money going with the higher deductible.

Full coverage or liability only

The information below visualizes the comparison of Audi S6 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Alaska. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no set guideline to stop buying full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Audi S6 settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for full coverage, then it may be the right time to buy liability only.

There are some cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Insurance policy discounts for Audi S6 insurance in Anchorage

Car insurance companies do not advertise the entire discount list very clearly, so we took the time to find a few of the more common and also the lesser-known insurance savings.

• Passive Restraint Discount – Cars that have air bags can qualify for discounts up to 30%.
• Driver Safety – Participating in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Professional Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
• Discounts for New Vehicles – Buying a new car model can get you a discount since newer models have better safety ratings.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your Anchorage auto insurance quote.
• Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease depending on your company.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates than drivers with accidents.
• Active Military Service – Having a deployed family member could trigger a small discount.
• Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

It’s important to understand that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, that’s just not realistic.

The information below compares Audi S6 auto insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no accidents or driving violations, Alaska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, homeowner, marriage, and safe-driver discounts applied.

Auto insurance companies that may offer quotes with most of these discounts possibly include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Double check with each company how you can save money. Some discounts listed above may not be offered everywhere. If you would like to view companies that offer many of these discounts in Anchorage, click here.

Alaska car insurance companies ranked

Finding the highest-rated insurance company is difficult considering how many different insurance companies sell coverage in Anchorage. The information shown below may help you analyze which car insurance companies to look at when looking for cheaper rates.

Top 10 Anchorage Car Insurance Companies Ranked by Customer Service

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

Top 10 Anchorage Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. GEICO – 89%
5. The Hartford – 89%
6. The General – 88%
7. 21st Century – 88%
8. Allstate – 88%
9. Liberty Mutual – 88%
10. Esurance – 87%