2010 Audi A3 Car Insurance Cost

Want lower insurance coverage rates for your Audi A3? Are you kicking yourself for buying high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse. Since you have so many companies to choose from, it’s nearly impossible to choose the most affordable insurance coverage company.

It’s a good habit to compare rates once or twice a year because prices go up and down regularly. Just because you had the lowest rate for A3 coverage a couple years back there is a good chance you can find better premium rates now. Ignore everything you know about insurance coverage because we’re going to demonstrate how to use online quotes to find great coverage at a great price.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Drivers only need an understanding of the tricks to compare prices online.

Discounts for lower-cost auto insurance rates

Auto insurance companies don’t always advertise every available discount very clearly, so the following list contains a few of the more common and also the lesser-known credits that you can use to lower your rates.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Low Mileage Discounts – Driving fewer miles can qualify you for slightly better prices than normal.
  • Multiple Vehicles – Buying a policy with several vehicles on one policy could earn a price break for each car.
  • Discount for Life Insurance – Auto insurance companies who offer life insurance give a small discount if you purchase life insurance from them.
  • Paperless Signup – A handful of insurance companies provide a small discount get car insurance online.
  • Good Students Pay Less – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Claim-Free Discount – Claim-free drivers can earn big discounts in comparison to drivers who are more careless.

Don’t be shocked that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and their possible discounts are detailed below.

  • Esurance may offer discounts for multi-car, online shopper, DriveSense, renters, Pac-12 alumni, and good student.
  • The Hartford has discounts for vehicle fuel type, anti-theft, bundle, defensive driver, and good student.
  • AAA may include discounts for good student, multi-policy, education and occupation, pay-in-full, and AAA membership discount.
  • GEICO includes discounts for anti-lock brakes, military active duty, multi-vehicle, membership and employees, air bags, and emergency military deployment.
  • State Farm offers premium reductions for defensive driving training, driver’s education, student away at school, anti-theft, multiple policy, and safe vehicle.

If you need affordable car insurance quotes, ask each company or agent which discounts you may be entitled to. Some credits may not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to my business vehicle?
  • Am I getting all the discounts available?
  • Am I covered when using my vehicle for business?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

The coverage is in the details

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Liability

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A3.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses like funeral costs, surgery, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Saving money is sweet as honey

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

More affordable car insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through local independent agencies.

We just presented a lot of techniques to save on 2010 Audi A3 insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. These companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.

More detailed car insurance information can be read in the articles below:

Comments About 2010 Audi A3 Insurance

  1. Gus Dudley

    Went with Hanover for my Audi and am saving around $200 a year. It’s still not cheap enough.

  2. Chin Baldwin

    This is too expensive. Live in the northern part of Idaho Falls, ID. Checked online prices for a 2010 Audi A3. Ended up at about $550 savings annually. Went with State Farm. Insured with Safeco before.

  3. Deanne Joseph

    Just my two cents. Live in the southern part of Parkersburg, WV. Don’t remember every company but I ended up saving about $60 each month. It’s easy to compare rates online now.

  4. Hildred Sullivan

    Are Allstate or Allstate rates cheaper in Texas?

  5. Thomasena Luna

    Nice info. I live just to the south of Jackson, MS. Quoted with Progressive, Amica, Esurance, and Liberty Mutual for my 2010 Audi A3 and saved just over $340 a year. I’m a pretty good driver though.

  6. Kyong Price

    Here’s my quote info. I live just to the south of Seattle, Washington. Received quotes with Travelers, Amica, Liberty Mutual, and Safeco for my 2010 Audi A3 and saved $161 a year.

  7. Ashlyn Leach

    Cheap is relative. I live in a small town just outside of Columbia, SC. I quoted with GEICO, Hartford, and Eastwood for my A3 and saved $548 a year. Insured with Auto-Owners before.

  8. Cammy Barr

    It all costs too much. From Dover, Delaware. I quoted with State Farm, Eastwood, and The General for my 2010 Audi A3 and saved $484 a year. Good multi-policy discounts. Not sure if rates are cheaper online or not.