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Audi A3 Insurance Rates

There are many options when buying insurance for your Audi vehicle. You can buy from an insurance agent or shop online to compare rates from car insurance companies. Finding cheaper car insurance from online rate quotes is easy and there is a good chance you may find lower rates.

Consumers who are new to the process of shopping for insurance may think finding affordable Audi A3 insurance is more work than they want to put in. The are a couple different ways of comparing rates from local car insurance companies. The recommended way to compare Audi A3 insurance cost is to perform an online rate comparison. This can be accomplished by comparing rates here.

Insurance premiums paid to insure a Audi A3 can fluctuate considerably based upon several criteria. Some of these factors include:

  • The performance level of your A3
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Extra coverages like towing and rental
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new Audi models so the costs to repair will push premiums down. On the flip side, newer vehicles have more advanced features like adaptive cruise control, anti-lock brakes, and active head restraints which may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your A3 below.

Liability insurance - Liability insurance can cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage - This covers damage to your Audi from colliding with another car or object. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper Audi A3 insurance rates.

Comprehensive protection - This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Audi A3 Insurance Rates?