Compare 2013 Audi A3 Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Audi A3? There isn’t anyone who anticipates paying for insurance coverage, especially when they are aware that the cost is way too high.

Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest price

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is quite easy. But consumers must comprehend the way insurance companies price online insurance and apply this information to your search.

Ways to get insurance quotes

Most major insurance companies give insurance quotes on the web. Getting prices online is pretty painless as all you need to do is type in as requested by the quote form. After you complete the form, their quoting system collects reports for credit and driving violations and gives you a price quote based on these factors. This simplifies rate comparisons, but having to visit a lot of sites and type in the same data can be a bit repetitive. But it’s necessary to perform this step if you are searching for lower prices.

The preferred way to find lower prices requires only one form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It only takes a few minutes and may save quite a bit of money.

To get comparison pricing now, click here and complete the simple form. If you have your current policy handy, we recommend you complete the form with the coverages just like they are on your policy. Using the same limits helps guarantee you will have a fair comparison based on the exact same insurance coverage.

Beware of misleading car insurance ads

State Farm and Allstate endlessly run television and radio advertisements. They all tend to make the same promise about savings if you change your coverage. How does every car insurance company charge lower premium rates? It’s all in the wording.

Car insurance companies have a preferred profile for the type of driver that earns them the highest profit. An example of a profitable customer might be described as over the age of 50, owns a home, and drives a lower-performance vehicle. Any driver who fits that profile will probably get the lowest premium rates and have a good chance to cut their rates if they switch.

Consumers who don’t qualify for these stringent criteria must pay more expensive rates with the end result being the customer not purchasing. The trick is to say “people who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why companies can lure you into getting a quote. This really illustrates why drivers must compare rate quotes every year. It is impossible to predict the company that will be your best fit.

Four factors that influence insurance rates

Smart consumers have a good feel for the factors that come into play when calculating insurance coverage rates. When consumers understand what determines premiums, this allows you to make good choices that could result in big savings.

The items below are some of the most rate-impacting factors companies use to determine your rates.

• High coverage deductibles save money – Comp and collision deductibles are how much the insured will be required to pay if a covered claim is submitted. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are collision with another vehicle, vandalism, or theft of your vehicle. The more money you’re willing to pay, the bigger discount you will receive for A3 insurance.
• Tickets increase rates – Getting just one driving citation could increase your next policy renewal by twenty percent. Good drivers get better prices as compared to careless drivers. Drivers who have gotten flagrant violations like reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state DMV in order to keep their license.
• Pleasure use saves money – Driving more miles each year the more you will pay for insurance coverage. A lot of insurance companies apply a rate based on their usage. Cars that have low annual miles receive better premium rates than those that get driven frequently. Double check that your insurance coverage policy states annual mileage. An incorrectly rated A3 may be costing you.
• Only buy what you need – Insurance policies have a lot of optional add-on coverages that can add up on your 2013 A3 policy. Coverages for replacement cost coverage, death and dismemberment, and membership fees are probably not needed. These coverages may sound good initially, but now you might not need them so think about removing them and cutting costs.

Lower rates by qualifying for discounts

Some providers don’t list every discount they offer in a way that’s easy to find, so the list below gives a summary of some of the more common and also the lesser-known discounts that may be available.

• Discount for Good Grades – Being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
• Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get better insurance rates for A3 insurance.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for A3 insurance depending on your insurance provider.
• Homeowners Savings – Owning your own home or condo can get you a discount since owning and maintaining a home is proof of financial responsibility.
• Military Deployment Discount – Being deployed with a military unit can result in better insurance rates.
• Distant Student Discount – Kids who live away from home to go to college and do not have a car may be insured at a cheaper rate.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
• Bundle and Save – If you combine your auto and homeowners policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.

You can save money using discounts, but most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

A few popular companies and some of the discounts can be read below.

• State Farm has discounts for good student, good driver, multiple policy, Drive Safe & Save, defensive driving training, and accident-free.
• Progressive offers discounts for multi-vehicle, online quote discount, continuous coverage, homeowner, and online signing.
• Progressive has savings for online quote discount, homeowner, multi-vehicle, multi-policy, continuous coverage, good student, and online signing.
• MetLife discounts include good driver, good student, defensive driver, multi-policy, claim-free, and accident-free.
• Farm Bureau may have discounts that include safe driver, renewal discount, 55 and retired, multi-policy, youthful driver, driver training, and good student.
• Geico offers premium reductions for air bags, good student, defensive driver, emergency military deployment, seat belt use, and five-year accident-free.
• SAFECO includes discounts for anti-theft, drive less, anti-lock brakes, teen safe driver, bundle discounts, and accident prevention training.

When quoting, ask every company which discounts they offer. Savings may not be offered in every state. To see a list of insurance companies that provide some of the discounts listed above, follow this link.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

• What is covered by UM/UIM coverage?
• What is medical payments coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Where can I find DUI or SR-22 insurance?
• How much liability insurance is required?
• Can my babysitter drive my car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, funeral costs, pain medications and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, structural damage, loss of income, court costs and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, damage from flooding, vandalism and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi A3.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

What is YOUR best insurance company?

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped uninsured motorist or liability limits to discover at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We covered many tips how you can save on 2013 Audi A3 insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a lesser-known regional company. Regional companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.

Much more information about insurance coverage is available at these links:

• What is Covered by GAP Insurance? (Allstate)
• Safety Belts FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)