Cheaper 2016 Audi A3 Insurance Rates

Trying to find low-cost insurance for an Audi A3 can normally be a painful process, but you can use a few tricks to save time.

There is a better way to find car insurance online and you need to know the absolute fastest way to compare rates for a new or used Audi and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to do rate comparisons quite often because rates are adjusted regularly by insurance companies. Just because you found the best deal on A3 coverage on your last policy a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Buying the cheapest insurance coverage coverage is simple if you know the tricks. If you have a policy now or need a new policy, you can use this information to find the best rates while maintaining coverages. Vehicle owners just need to understand the best way to compare price quotes online.

Cheap Insurance Comparisons

Effectively comparing insurance prices is a ton of work if you aren’t aware of the easiest way. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company returns a rated price for coverage. This eliminates the need for form submissions to each individual insurance company.

To access this free quoting program, click here (opens in new window).

The only downside to getting quotes like this is you cannot specify the companies to receive prices from. So if you want to select specific providers to request quotes from, we put together a list of companies who write insurance in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples deductibles and coverage limits for every quote you compare. If each company quotes different liability limits it will be impossible to determine the lowest rate for your Audi A3.

Cut your auto insurance rates with discounts

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but less common discounts must be specifically requested prior to receiving the credit. If you aren’t receiving every discount available, you are paying more than you should be.

  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if you are claim-free for a set time period.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Senior Citizens – Older drivers can possibly qualify for a discount up to 10% on A3 coverage.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on A3 coverage than drivers with accidents.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Driver Safety – Taking part in a driver safety course could save 5% or more depending on where you live.

Keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

For a list of insurers with discount auto insurance rates, click this link.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I have combined single limit or split liability limits?
  • Am I covered if I wreck a rental car?
  • How can I find cheaper teen driver insurance?
  • Is there coverage for injuries to my pets?
  • How high should my medical payments coverage be?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Audi A3 insurance rates are influenced by…

Smart consumers have a good feel for the rating factors that go into determining insurance coverage rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • Lower miles equals lower premium – The more you drive each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your insurance coverage policy is rated on the correct driver usage, because it can save money. Incorrect usage on your A3 can result in significantly higher rates.
  • A clean driving record saves money – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Even a single ticket can bump up the cost by as much as thirty percent. Drivers with serious tickets such as DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Do you qualify for a multi-policy discount? – Most insurance coverage companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • An active claims history can cost you – Car insurance companies award better rates to drivers who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in calculating your insurance coverage rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2016 Audi A3 by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Insurance policy specifics

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage kick in for expenses such as hospital visits, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A3.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision – Collision coverage covers damage to your A3 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Power to the consumer

Insureds leave their current company for any number of reasons including denial of a claim, delays in responding to claim requests, unfair underwriting practices or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an insured dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price.

Budget-conscious 2016 Audi A3 insurance is attainable both online as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

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