Lower Your 2017 Audi A3 Sportback e-tron Insurance Rates

Trying to find the cheapest insurance rates for your Audi A3 Sportback e-tron? Are you tired of scraping the payment together to insure your Audi every month? Your situation is no different than many other consumers.

You have multiple insurance companies to choose from, and although it’s a good thing to have a selection, more choices can make it harder to compare company pricing.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you will be able to save some money using these techniques. But car owners benefit from understanding the way insurance companies sell online and apply this information to your search.

The quickest method to compare car insurance company rates is to know almost all companies participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information such as if you are currently licensed, marital status, the ages of drivers, and which vehicles you own. Your information is then sent to insurance companies and you get price estimates almost instantly.

Pay discount rates these premium-slashing discounts

Auto insurance companies don’t necessarily list every discount very clearly, so the list below contains some of the best known and the more hidden auto insurance savings. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Telematics Data Discounts – Drivers who elect to allow their auto insurance company to track driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they have good driving habits.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Sign Early and Save – Some larger companies reward drivers for switching to them prior to the expiration date on your current policy. This can save 10% or more.
  • Own a Home – Owning a house can get you a discount since owning and maintaining a home shows financial diligence.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small discount on rates for A3 Sportback e-tron coverage.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared with accident-prone drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Audi may enable drivers to earn slightly better rates than normal.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies and their offered discounts are:

  • American Family policyholders can earn discounts including good student, bundled insurance, Steer into Savings, TimeAway discount, multi-vehicle, and good driver.
  • Farm Bureau has discounts for driver training, multi-vehicle, safe driver, multi-policy, and 55 and retired.
  • State Farm offers discounts including anti-theft, multiple autos, passive restraint, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, and good student.
  • Travelers has savings for new car, driver training, payment discounts, early quote, IntelliDrive, and continuous insurance.
  • The Hartford may offer discounts for driver training, bundle, vehicle fuel type, defensive driver, good student, air bag, and anti-theft.
  • GEICO may have discounts that include multi-policy, daytime running lights, good student, multi-vehicle, membership and employees, emergency military deployment, and federal employee.
  • Progressive includes discounts for good student, online quote discount, continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.

Before you buy a policy, ask each company or agent which discounts you qualify for. Some discounts listed above may not apply to policies in your area. If you would like to view insurers offering auto insurance discounts, click this link.

Do I need special coverages?

When choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I really need UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I find cheaper teen driver insurance?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Lower your insurance premiums

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate your premiums. When you understand what determines base rates, this enables informed choices that can help you get much lower annual insurance costs.

  • Annual mileage and car insurance rates – The more you drive your Audi every year the higher the price you pay to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure than cars that get driven a lot. Verify your declarations sheet correctly shows the proper vehicle usage. A policy that improperly rates your A3 Sportback e-tron may be wasting your money.
  • Choose high crash test ratings and save – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Audi has at least four stars on Safercar.gov you may qualify for a discount.
  • Teenagers vs. experienced drivers – Teenage drivers tend to be careless and easily distracted when driving and because of this, their car insurance rates are much higher. Parents adding a beginning driver onto your car insurance can break the bank. More experienced drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Responsible credit means lower costs – A driver’s credit history is a large factor in determining premium rates. Insureds that have high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit scores. If your credit is lower than you’d like, you could pay less to insure your 2017 Audi A3 Sportback e-tron by spending a little time repairing your credit.
  • Having a spouse can save you money – Your spouse helps lower the price on your car insurance bill. Having a spouse may mean you are less irresponsible and statistics show married drivers tend to file fewer claims.
  • Never let your car insurance expire – Driving with no insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay more, getting caught without coverage can result in fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Tickets and citations cost more than a fine – Your driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates compared to bad drivers. Just one chargable violation can increase rates by as much as thirty percent. Drivers who have dangerous tickets like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state’s licensing department in order to continue driving.

Can you really save $433 a year?

Big name companies like State Farm and Allstate regularly use ads on television and other media. They all seem to advertise the message that you’ll save big after switching your auto insurance coverage to their company. How can each company give you a lower rate? This is the way they can do it.

Insurance providers have specific characteristics for the type of driver that earns them the highest profit. An example of this type of driver could possibly be between 30 and 50, has no claims, and does not commute to work. Any driver that meets those criteria receive the lowest rate quotes and will most likely save quite a bit of money when switching.

People who are not a match for these standards will be quoted higher premiums and ends up with the customer buying from a different company. The trick is to say “drivers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make claims that they all have the best prices. Because of the profiling, it is so important to get insurance coverage quotes as often as possible. Because you never know which company will give you the biggest savings.

Car insurance 101

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, a broken windshield and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like court costs, pain and suffering, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your A3 Sportback e-tron resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses such as dental work, pain medications, nursing services, funeral costs and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Be a Smart Shopper

Cheaper insurance can be purchased both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through local independent agencies.

You just learned many tips how you can get a better price on 2017 Audi A3 Sportback e-tron insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many cases where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Additional information can be found at the links below