How Much Does 2011 Audi A3 Car Insurance Cost?

Want better insurance coverage rates for your Audi A3? Purchasing the cheapest insurance coverage can be overwhelming for consumers who are new to buying their insurance coverage on the web. With dozens of online companies, how can drivers have time to compare all the different companies and get the cheapest available price?

What affects Audi A3 insurance prices?

Many different elements are considered when you get a price on insurance. Most are fairly basic like an MVR report, but some are less apparent such as your credit history or how safe your car is.

The itemized list below are a partial list of the pieces that factor into premiums.

  • Experienced drivers pay less – Older people are more responsible, tend to cause fewer accidents .Inexperience drivers are statistically proven to be inattentive when driving with friends so they pay higher insurance rates.
  • Employer and insurance rates – Do you have a high-stress occupation? Jobs like military generals, business owners and accountants generally pay higher rates than average because of stressful work requirements and long work hours. On the other hand, careers such as scientists, historians and retirees have the lowest average rates on A3 coverage.
  • Cautious drivers pay better rates – Having a single speeding ticket or other violation may cause rates to rise by twenty percent. Good drivers pay lower auto insurance prices than bad drivers. People who have license-revoking violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • More mileage equals more premium – The higher the miles on your Audi annually the higher the price you pay to insure it. A lot of insurance companies calculate prices partially by how you use the vehicle. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your declarations sheet reflects how each vehicle is driven, because it can save money. Incorrect rating for your A3 may be wasting your money.
  • Don’t skimp on liability – Your policy’s liability coverage will provide protection in the event that you are found liable for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Gender impacts prices – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Females and males have fender benders in similar numbers, but males cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
  • Save money with alarms and GPS tracking – Driving a car with advanced anti-theft systems can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.
  • Continuous coverage lowers insurance rates – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Which auto insurance is cheapest?

Many insurance companies make it easy to get pricing on the web. Obtaining pricing doesn’t take much effort as you just enter your coverage information into the quote form. Upon sending the form, their quoting system sends out for information on your driving record and credit history and quotes a price based on these factors.

Being able to quote online makes it easy to compare insurance prices but having to visit a lot of sites and type in your information can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest auto insurance rates.

A less time-consuming method to lower your rates requires only one form to obtain quotes from several companies at one time. The form is fast, eliminates form submissions, and makes comparison shopping much more efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any of the quotes returned. If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and can result in significant savings.

In order to compare pricing, click here and enter your information. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. Doing this guarantees you’re receiving rate quotes for similar insurance coverage.

Big names are not always cheapest

Respected companies like Progressive, GEICO, Allstate and State Farm seem to constantly run television and radio advertisements. All the ads advertise the message that you’ll save big if you move your policy. But how can every company charge lower premium rates? This is the trick they use.

Different companies provide the lowest rates for the type of insured they prefer to insure. One example of this type of risk profile might have to be between the ages of 30 and 45, has no tickets, and does not commute to work. Someone who fits those characteristics gets the lowest premium rates and is almost guaranteed to save if they switch.

Potential insureds who may not quite match these standards will probably have to pay a more expensive rate which usually ends up with the customer buying from a different company. The wording the ads use say “customers who switch” not “everyone that quotes” save that much when switching. That’s the way companies can truthfully advertise the way they do. This emphasizes why drivers should get price quotes at each policy renewal. Because you never know which company will have better premium rates than you’re paying now.

Verify you’re earning every discount

Companies don’t always list the entire discount list in an easy-to-find place, so here is a list some of the best known as well as some of the hidden credits available to you.

  • Defensive Driver Discount – Participating in a driver safety course may get you a small discount and easily recoup the cost of the course.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared to insureds who have frequent claims or accidents.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide without raising rates so long as you are claim-free for a specific time period.
  • Distant Student – Youth drivers living away from home attending college and do not take a car to college could qualify for this discount.

A quick disclaimer, some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.

A list of auto insurance companies and some of the premium reductions they offer are outlined below.

  • GEICO policyholders can earn discounts including membership and employees, air bags, good student, seat belt use, military active duty, and federal employee.
  • Auto-Owners Insurance offers discounts for multi-policy, paperless, good student, anti-lock brakes, and student away at school.
  • American Family may include discounts for defensive driver, air bags, TimeAway discount, accident-free, Steer into Savings, early bird, and mySafetyValet.
  • Esurance has discounts for online shopper, multi-policy, Pac-12 alumni, paid-in-full, anti-lock brakes, good student, and defensive driver.
  • Progressive includes discounts for online signing, multi-policy, online quote discount, multi-vehicle, homeowner, continuous coverage, and good student.
  • State Farm offers premium reductions for driver’s education, defensive driving training, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
  • AAA offers discounts including good driver, good student, anti-theft, multi-car, and pay-in-full.

When comparing rates, check with every company which discounts you may be entitled to. Discounts may not apply in your area. If you would like to choose from a list of auto insurance companies who offer auto insurance discounts, follow this link.

When should I discuss my situation with an agent?

When choosing proper insurance coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability do I need to cover my assets?
  • When can I cancel my policy?
  • Am I covered when driving on a suspended license?
  • Is a fancy paint job covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage information

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi A3.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage, damage from flooding, hail damage and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like medical expenses, emergency aid, court costs and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This coverage covers damage to your A3 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

A little work can save a LOT of money

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced collision coverage only to regret they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

Drivers change insurance companies for a variety of reasons including denial of a claim, policy non-renewal, an unsatisfactory settlement offer or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company is less work than it seems.

The cheapest 2011 Audi A3 insurance is attainable on the web as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and usually these smaller providers work with independent agents.

More tips and info about auto insurance is located by following these links:

Comments About 2011 Audi A3 Insurance

  1. Dacia Sullivan

    Does Allstate use ACV or replacement cost?

  2. Candra Witt

    It’s all a rip off. I live in a small town just outside of Salem, Oregon. I got free rates from 21st Century, AAA, and Erie for my Audi and saved just over $490 a year. Left GEICO to switch. I’m a pretty low risk driver.

  3. Louetta Cummings

    It’s all a rip off. Proud to be from Oklahoma City, Oklahoma. I got free quotes with AIG Insurance, MetLife, and a few others for my Audi and saved $556 a year. My new agent seems to be really good. It’s easy to compare rates online now.

  4. Cassy Cobb

    I found affordable 2011 Audi A3 insurance from GEICO in Columbus, OH.

  5. Rheba Rosario

    I’ve insured with State Farm for a long time. Pretty cheap in Chesapeake, VA.

  6. Earline Camacho

    Well-written and thought out article. From Philadelphia, PA. Quoted prices from GEICO, Auto-Owners, and Eastwood for my Audi and I’m now saving $15 a month. Have an at-fault accident tho. It was easy to get rates.

  7. Trudy Randolph

    What does medical payments cover?

  8. Angelique Prince

    Great info, thanks for posting. I’m from Gaithersburg, MD. Received quotes with American Family, Sentry, and a few others for my Audi and saved $226 a year. Was with Eastwood. My new agent seems to be really good. I got a quote from their website.