View 2016 Audi A3 Car Insurance Rates

Searching for lower auto insurance rates? Consumers have many options when looking for low-cost Audi A3 insurance. They can either waste time struggling with agents trying to get quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to compare rates for a Audi and obtain the best price possible.

Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Drivers only need an understanding of the most effective way to compare prices online.

Insurance quotes comparison

There are a lot of ways you can shop for insurance but there is one way that is easier and takes less work. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize online quotes to achieve your goal.

Most of the best insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a rated price for coverage. This eliminates the need for quote forms for every insurance company. To compare rates using this form now click to open in new window.

The one downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare, we put together a list of low cost insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just do your best to use exactly the same deductibles and coverage limits for every quote you compare. If each company quotes different limits and deductibles on each one you can’t possibly get a fair rate comparison.

More affordable rates by taking advantage of discounts

Companies don’t necessarily list every discount they offer very clearly, so we researched both the well known as well as the least known ways to save on insurance coverage.

  • Data Collection Discounts – Insureds that choose to allow companies to look at when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase life insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Discount for New Cars – Buying a new car instead of a used car can save up to 30% since newer vehicles are generally safer.
  • Discounts for Good Drivers – Drivers who avoid accidents could pay up to 40% less for A3 coverage than less cautious drivers.

Just know that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • American Family includes discounts for multi-vehicle, early bird, bundled insurance, defensive driver, air bags, Steer into Savings, and good driver.
  • Farm Bureau has discounts for multi-policy, 55 and retired, multi-vehicle, youthful driver, and good student.
  • State Farm discounts include passive restraint, good student, anti-theft, multiple autos, driver’s education, and student away at school.
  • Travelers offers discounts for driver training, IntelliDrive, good student, early quote, and student away at school.
  • The Hartford offers premium reductions for anti-theft, driver training, bundle, air bag, and vehicle fuel type.
  • GEICO offers discounts including defensive driver, five-year accident-free, driver training, federal employee, seat belt use, and multi-policy.
  • Progressive may have discounts that include online signing, online quote discount, homeowner, good student, multi-policy, and multi-vehicle.

If you want affordable insurance quotes, ask each insurance company which credits you are entitled to. Some discounts might not be offered on policies everywhere. To locate companies that offer discounts, click here to view.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether you would benefit from professional advice.

  • Does my 2016 Audi A3 qualify for pleasure use?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP coverage since I have good health insurance?
  • Is motorclub coverage worth it?
  • Am I covered if I crash into my own garage door?
  • Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Audi A3 insurance rate factors

Lots of things are considered when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are not as apparent like your vehicle usage or your vehicle rating.

The following are most of the major factors used by your company to calculate prices.

  • Less chance of injury means lower prices – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you. If your Audi A3 is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Getting married pays dividends – Your spouse can actually save you money on your auto insurance policy. Having a significant other is viewed as being more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Does your vocation cost you more? – Did you know your job can affect your rates? Jobs like lawyers, business owners and emergency personnel generally pay the highest average rates due to high stress levels and incredibly demanding work hours. Other occupations like farmers, athletes and retirees generally pay rates lower than average for A3 coverage.
  • Good drivers pay less – Your driving citation history impacts premiums far more than you think. Having a single ticket can boost insurance rates by twenty percent. Good drivers get better rates than people who have multiple driving citations. Drivers who have gotten careless tickets such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.

Insurance coverages 101

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi A3.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, pain and suffering, attorney fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage covers damage to your A3 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle, crashing into a ditch, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a deer and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as X-ray expenses, dental work and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more, save more

Throughout this article, we presented a lot of information how to reduce 2016 Audi A3 insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive insurance. You may even find the biggest savings come from some of the lesser-known companies.

Some companies may not have internet price quotes and these regional carriers sell through local independent agencies. Cheaper insurance coverage can be purchased both online as well as from independent agents, and you need to price shop both to have the best rate selection.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage only to find out that they should have had better coverage. The ultimate goal is to get the best coverage possible at a price you can afford while still protecting your assets.

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