2017 Audi S3 Insurance Rates – 8 Tips to Save

Cutting costs on Driversauto insurance is frustrating for drivers new to comparing prices online. People have so many choices that it can easily be a big hassle to compare coverage rates.

The purpose of this post is to let you in on the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Nevertheless, drivers need to learn how companies sell online and use this information to your advantage.

Compare car insurance quotes

There are a variety of methods to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies enroll in a system where insurance shoppers complete one form, and every company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to doing it this way is that you can’t choose the providers to get pricing from. So if you want to select specific providers to compare, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but double check that you are using identical coverage information for each price quote. If each company quotes different liability limits you will not be able to truly determine the lowest rate. Even a minor difference in insurance coverages or limits could throw off the whole comparison. And when quoting car insurance, remember that comparing more quotes gives you a better chance of getting the best offered rates.

Ads can be misleading

State Farm and Allstate constantly bombard you with television, radio, and online ads. All the ads advertise the message that you can save after switching your coverage. How can each company make the same claim?

Many companies offer their best rates for the right customer that will not have excessive claims. For instance, this type of insured may be between 30 and 50, is a homeowner, and drives a car with an anti-theft system. Any customer who meets those qualifications will get a cheap rate quote and is almost guaranteed to save quite a bit of money when switching.

Consumers who fall outside the “perfect” profile may be required to pay a higher rate which leads to the prospect going elsewhere. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” save that much money. That is how companies can make claims like that.

Because of these techniques, you absolutely need to compare quotes as often as possible. It’s just not possible to know which car insurance company will have the lowest rate quotes.

Auto insurance discounts help slash rates

Some insurers do not advertise all possible discounts very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Defensive Driver – Passing a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Discounts for New Vehicles – Buying a new car model can get you a discount because newer models are generally safer.
  • E-sign – Many companies will give a small break just for signing your application over the internet.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small discount on rates on S3 insurance.
  • Theft Deterent Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on S3 insurance depending on your company.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.

You should keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

To see a list of companies who offer cheap auto insurance quotes, click this link.

Which is the best insurance coverage?

When it comes to buying adequate coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Am I covered when driving in Canada or Mexico?
  • How do I buy GAP insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Which is better, split liability limits or combined limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered by my spouse’s policy after a separation?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, vandalism, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like legal defense fees, medical expenses and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your S3 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, hospital visits, dental work, EMT expenses and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Never pay more for less

Insureds switch companies for any number of reasons including being labeled a high risk driver, poor customer service, high rates after DUI convictions and even extreme rates for teen drivers. Whatever your reason, finding a new company is not as difficult as it may seem.

In this article, we covered many ways to compare 2017 Audi S3 insurance car insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company.

Some insurance companies do not provide internet price quotes and usually these smaller providers work with independent insurance agencies. The cheapest 2017 Audi S3 insurance can be bought from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture.

Additional insurance coverage information is located below: