2013 Audi A3 Insurance Rates – 9 Discounts for Best Quotes

Sick and tired of sacrificing to buy car insurance? You have the same problem as many other drivers.

Since consumers have many companies and agents to choose from, it’s difficult to pick the most affordable car insurance provider.

You need to shop coverage around as often as possible because insurance rates change quite often. Despite the fact that you may have had the best rate on A3 insurance a year ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the best way to get good coverage at a lower rate.

Nine discounts for cheaper insurance coverage rates

Car insurance companies do not list every possible discount very well, so the following is a list of a few of the more well known as well as the least known insurance coverage savings.

  • College Student – Children who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as compared to policyholders that have many claims.
  • Low Mileage Discounts – Low annual miles may allow you to get cheaper rates.
  • Good Grades Discount – Being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags could see savings of more than 20%.
  • Early Renewal Discounts – A few insurance coverage companies give discounts for switching to them prior to your current policy expiration. This discount can save up to 10%.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on A3 insurance.
  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one company you may earn approximately 10% to 15%.
  • Own a Home and Save – Being a homeowner may trigger a policy discount on insurance coverage since owning and maintaining a home means you have a higher level of financial diligence.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. But all discounts will help lower your overall bill.

Some of the larger companies that have some of the discounts shown above include:

Double check with each insurance company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to choose from a list of insurers with discount rates, click here to view.

How to find low cost auto insurance

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking to agents in your area, or you could use online quotes to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to send in one quote, and each company then gives them pricing determined by their information. This eliminates the need for form submissions to each individual auto insurance company.

To compare rates now click to open in new window.

The only downside to comparing rates this way is you cannot specify which providers to get pricing from. If you wish to select individual companies to compare prices, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare exactly the same deductibles and coverage limits for each quote you get. If the quotes have different deductibles it’s not possible to get a fair rate comparison. Slightly different coverages may result in large price differences. And when quoting auto insurance, remember that more quotes provides better odds of finding more affordable rates.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Does coverage extend to Mexico or Canada?
  • What if I don’t agree with a claim settlement offer?
  • Does medical payments coverage apply to all occupants?
  • What if I owe more than I can insure my car for?
  • Do I need special endorsements for business use of my vehicle?
  • Is pleasure use cheaper than using my 2013 Audi A3 to commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Advertising myths

Companies like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all advertise the message about how much you will save just by moving your coverage. How does each company lower your prices?

Most companies give the cheapest rates for a prospective insured that is profitable for them. A good example of this type of driver might be described as over the age of 35, has a clean driving record, and the vehicle is rated for pleasure use. Someone that meets those criteria receive the lowest rate quotes and will probably save some money.

Insureds who do not fit the ideal profile must pay a higher premium which results in the customer not buying. Company advertisements say “drivers that switch” not “everyone who quotes” save that much. This is how companies can make those claims.

Because of the profiling, drivers must compare many company’s premium rates. It is just not possible to predict which insurance company will have the best car insurance rates at this point in time.

Car insurance coverages for an Audi A3

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as X-ray expenses, doctor visits and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism, theft, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – This protects you from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as emergency aid, pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Audi A3.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This coverage pays for damage to your A3 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Compare but don’t skimp

Lower-priced car insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have rate quotes online and usually these regional insurance providers provide coverage only through local independent agencies.

In this article, we presented some good ideas how you can save on 2013 Audi A3 insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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