How Much Does 2017 Audi RS 3 Insurance Cost?

Looking for the cheapest car insurance rates for your Audi RS 3? Do you get exhausted from paying out the nose to keep your car insured? You are in the same boat as millions of other people.

Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute cheapest price

Seven factors that affect insurance costs

Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but some are more obscure like your continuous coverage or your commute time.When buying car insurance it’s important to understand the rating factors that help calculate car insurance rates. If you have some idea of what determines premiums, this enables informed choices that can earn you better car insurance rates.

  • Your car’s features help determine car insurance rates – Owning a car that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Frequent car insurance claims will cost more – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies generally give lower rates to insureds who are claim-free. Insurance coverage is designed for major claims that would cause financial hardship.
  • Choose high NHTSA crash test ratings and save – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries translates directly to fewer claims which can result in lower premiums. If your Audi RS 3 scored at minimum four stars on Safercar.gov it may be receiving lower rates.
  • Younger drivers pay higher rates – Teenage drivers have been known to be less responsible when at the wheel of a vehicle so car insurance rates are higher. Older people are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Responsible drivers pay the best costs – Having a single speeding ticket may increase your cost twenty percent or more. Drivers who don’t get tickets get better rates than bad drivers. Drivers unfortunate enough to have serious citations such as DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
  • Long commutes cost more – Driving more miles in a year’s time the more you’ll pay to insure it. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars left parked in the garage receive lower rates compared to those used for work or business. Improper usage on your RS 3 may be costing you. Ask your agent if your car insurance declarations sheet shows the right rating data, because it can save money.
  • High credit scores equal low premiums – Having a good credit history is likely to be a major factor in your rate calculation. People that have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit. So if your credit score can use some improvement, you could be paying less to insure your 2017 Audi RS 3 by spending a little time repairing your credit.

The method we recommend to compare car insurance company rates is to realize most larger insurance companies have advanced systems to give free rates quotes. All consumers are required to do is take a few minutes to give details such as your job, the type of vehicles you drive, if a SR-22 is required, and whether you are married. Those rating factors is instantly sent to multiple different insurance companies and they respond with quotes very quickly.

To check rates for your Audi RS 3 now, click here and complete the form.

The ad said I’d save $458 a year!

Respected companies like Allstate and Progressive continually stream television and radio advertisements. All the ads make an identical promise that drivers can save some big amount if you move to their company. How does every insurance company claim to save you money? This is the way they can do it.

Most companies quote their best rates for the type of customer that is profitable for them. For example, a preferred risk may be between 30 and 50, has other policies, and drives a lower-performance vehicle. Anyone that meets those criteria will probably get the lowest premium rates and will most likely save when switching.

Consumers who do not meet this stringent profile will probably be forced to pay a higher rate which leads to the customer not buying. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make those claims. Because of this risk profiling, you should compare many company’s premium rates. Because you never know which insurance companies will give you lower car insurance rates than your current company.

Earn discounts to get lower-cost car insurance rates

Some insurers do not list all disounts in a way that’s easy to find, so below is a list some of the best known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • E-sign Discounts – A handful of car insurance companies will give a small break just for signing your application on their website.
  • More Vehicles More Savings – Buying coverage for multiple vehicles with one company may reduce the rate for each vehicle.
  • No Charge for an Accident – This one is not really a discount per se, but some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • Drivers Ed for Students – Teen drivers should take driver’s ed class if it’s offered in school.
  • Data Collection Discounts – Insureds who allow driving data submission to spy on where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for RS 3 insurance but check with your company.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and some of the discounts can be found below.

  • GEICO offers discounts for federal employee, anti-theft, emergency military deployment, military active duty, and multi-policy.
  • Travelers has discounts for new car, IntelliDrive, driver training, good student, hybrid/electric vehicle, and save driver.
  • Nationwide may have discounts that include anti-theft, multi-policy, accident-free, Farm Bureau membership, and good student.
  • Farmers Insurance has savings for teen driver, homeowner, alternative fuel, mature driver, and pay in full.
  • Esurance may offer discounts for paid-in-full, Pac-12 alumni, homeowner, DriveSense, and renters.
  • State Farm policyholders can earn discounts including multiple policy, passive restraint, student away at school, good student, and Drive Safe & Save.
  • Progressive includes discounts for online signing, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
  • Mercury Insurance offers premium reductions for age of vehicle, good driver, accident-free, anti-theft, low natural disaster claims, and type of vehicle.

It’s a good idea to ask each insurance company which credits you are entitled to. Some discounts may not be available in your area. To view insurers with the best discounts, click here.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you will benefit from professional help.

  • Do I need more liability coverage?
  • Should I bundle my homeowners policy with my auto?
  • Where can I find DUI or SR-22 insurance?
  • Is my custom paint covered by insurance?
  • What exactly is covered by my policy?
  • Will filing a claim cost me more?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What can I do if my company denied a claim?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, hitting a bird, theft and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2017 Audi RS 3.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage – Collision coverage covers damage to your RS 3 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 like rolling your car, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, legal defense fees, medical services, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as pain medications, rehabilitation expenses, funeral costs and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Money doesn’t grow on trees

Lower-priced 2017 Audi RS 3 insurance can be found on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer online quoting and these smaller providers only sell coverage through independent insurance agents.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to find out that it was a big mistake. The ultimate goal is to buy the best coverage you can find at a price you can afford.

For more information, feel free to browse the following helpful articles: