Cheap 2008 Audi A3 Insurance Rates

Want better auto insurance rates for your Audi A3? Trying to find better insurance prices for an Audi A3 can be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to compare auto insurance rates and you need to know the proper way to get price quotes on a Audi and get the best price possible either online or from local insurance agents.

Finding the best protection is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the proper way to buy insurance over the internet.

Get affordable car insurance with discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so the list below contains some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• E-sign – Certain larger companies give back up to $50 for buying your policy on their website.
• Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
• Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to accident-prone drivers.
• Federal Employees – Active or retired federal employment can earn a discount up to 10% for A3 coverage with a few car insurance companies.
• Auto/Life Discount – Some companies give a discount if you purchase some life insurance in addition to your auto policy.
• Accident Forgiveness – but a few companies such as Allstate and Progressive will let one accident slide without raising rates so long as you haven’t had any claims prior to the accident.
• Drive Less and Save – Driving less may allow you to get discounted premium rates on garaged vehicles.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• New Car Discount – Putting car insurance coverage on a new car is cheaper because new model year vehicles are generally safer.
• Discount for Home Ownership – Just owning your own home can save you money because owning a home demonstrates responsibility.

It’s important to note that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will definitely reduce your policy cost.

Some of the insurance companies that have some of the above discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you need the cheapest car insurance quotes, ask each company what discounts are available to you. Depending on the company, some discounts may not be offered in every state. If you would like to choose from a list of insurers with discount rates, click this link.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation may require specific advice.

• Is my state a no-fault state?
• Is my 2008 Audi A3 covered for smoke damage?
• Am I insured when driving a different vehicle?
• When should I remove comp and collision on my 2008 Audi A3?
• Am I covered if I drive in a foreign country?
• How can I get my company to pay me more for my totalled car?
• Is a blown tire covered by insurance?
• Are my friends covered when driving my 2008 Audi A3?
• Am I covered if I break a side mirror?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance advertising gotchas

Drivers can’t get away from all the ads that claim the lowest prices by Progressive, Allstate and Geico. All the companies tend to make the same promise that you’ll save big after switching your coverage.

How can each company give you a better price? It’s all in the wording.

Insurance providers can use profiling for the type of insured that will be a good risk. An example of this type of risk profile should be between the ages of 30 and 45, insures multiple vehicles, and chooses high deductibles. Any driver that fits those parameters will get low prices as well as save quite a bit of money when switching.

Consumers who cannot meet those standards will probably have to pay more expensive rates which leads to business going elsewhere. If you pay attention, the ads say “customers who switch” not “all people who quote” save the amount stated. That is how companies can truthfully lure you into getting a quote.

That is why you really should compare quotes as often as possible. Because without a comparison, you cannot know which insurance company will have the best prices at this point in time.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

This pays for damage to your A3 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, a broken windshield, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills such as hospital visits, prosthetic devices and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical services, pain and suffering, bail bonds, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Throughout this article, we presented a lot of techniques to shop for 2008 Audi A3 insurance online. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive car insurance. Consumers may even find the biggest savings come from some of the lesser-known companies.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Discount 2008 Audi A3 insurance can be found on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get quotes online and many times these smaller providers prefer to sell through independent insurance agencies.

More tips and info about insurance can be read at these sites:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Teen Driving Statistics (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)