Cheap 2012 Audi A3 Car Insurance Quotes

Comparison shopping for more affordable auto insurance is always a challenge for beginners to online rate comparisons. With such a large choice of online companies available, it can turn into a real difficult job to find a cheaper company.

How to buy insurance coverage online

Comparing insurance coverage rates can be exhausting if you aren’t aware of the easiest way. You could waste time talking to local insurance agents in your area, or you could use online quotes to get prices fast.

All the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing form submissions to every company.

To find out what other companies charge click here (opens in new window).

One minor caviat to pricing coverage this way is that consumers can’t choose which providers to get quotes from. So if you prefer to pick specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, ensure you are comparing apples-to-apples quote information with each company. If you have different liability limits it will be impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that getting more free quotes will increase your chances of finding the best offered rates. Some smaller insurers to not give rate quotes online, so you also need to get price quotes from them, too.

You may qualify for discounts

Companies don’t always list the entire discount list very clearly, so the following is a list of both well-publicized and also the lesser-known discounts that may be available.

Club Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next insurance coverage statement.
Own a Home – Being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
Onboard Data Collection – Drivers who elect to allow driving data submission to scrutinize when and where they use their vehicle through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your insurance quote.
Driver Training Discounts – Taking a course teaching defensive driver skills could possibly earn you a 5% discount if your company offers it.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

Some of the insurance companies that possibly offer most of the discounts above may include but are not limited to:

Before purchasing a policy, check with every prospective company how you can save money. Some discounts listed above might not be offered on policies in your area. To view companies that offer multiple discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you might need professional guidance.

Why am I required to buy high-risk coverage?
What if I owe more than I can insure my car for?
Should I buy more coverage than the required minimum liability coverage?
Should I buy additional glass protection?
Which companies will insure high-risk drivers?
Is my state a no-fault state?
Why does it cost so much to insure a teen driver?
Do I have coverage if my license is suspended?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, chiropractic care, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverages

Liability insurance can cover damage that occurs to a person or their property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical services, emergency aid and court costs. How much coverage you buy is a personal decision, but you should buy as much as you can afford.