2015 Audi A3 Car Insurance Rates – 9 Tips to Save

Drivers new to shopping for auto insurance online may discover sourcing cheaper insurance is nearly impossible.

You need to compare prices at least once a year because car insurance prices are constantly changing. 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 car insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.

Cheapest auto insurance price quotes

The are a couple different ways to compare quotes from companies that offer auto insurance in your state. One of the best ways to find the cheapest Audi A3 insurance rates consists of shopping online. This can be accomplished by using one of the methods below.

The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method prevents you from having to do repetitive form entry for every prospective company. One form submission gets you coverage quotes instantly. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online consists of visiting the website of each company and get a separate price quote. For instance, let’s assume you want comparison quotes from Allstate, Esurance and Travelers. You would be required to spend time going to each site individually and type in your information over and over, which can take a lot of time.

For a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits for each quote you get. If the quotes have higher or lower deductibles it will be very difficult to decipher which rate is best. Slightly different limits can result in a big premium difference. Keep in mind that quoting more will enable you to find better pricing.

Nine discounts for cheap auto insurance rates

Companies offering auto insurance don’t always publicize the entire discount list very well, so the following is a list of both well-publicized and the harder-to-find discounts that you can inquire about if you buy insurance online.

• Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for A3 coverage than less cautious drivers.
• Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn discounted rates on garaged vehicles.
• New Vehicle Savings – Buying a new car model is cheaper compared to insuring an older model.
• Own a Home – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires personal responsibility.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and will save you 10% or more.
• Senior Discount – Older drivers are able to get a discount up to 10% for A3 coverage.
• No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before raising your premiums if you are claim-free prior to being involved in the accident.
• Organization Discounts – Joining a qualifying organization can get you a small discount on your bill.

One last thing about discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, nobody gets a free ride. But all discounts will definitely lower your premiums.

If you would like to choose from a list of providers who offer discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

• Is my camper covered by my car insurance policy?
• Can my teen drive my company car?
• Should I buy full coverage?
• When can my company non-renew my policy?
• Will I lose any money if I cancel my policy before it expires?
• What can I do if my company denied a claim?
• Does my policy cover me when driving someone else’s vehicle?
• Can I rent a car in Mexico?
• Is borrowed equipment or tools covered if stolen or damaged?
• When do I need to add a new car to my policy?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, rock chips in glass and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi A3.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

Collision insurance pays for damage to your A3 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, colliding with a tree, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, surgery and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical expenses, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Shop Smart and Save

People switch companies for a number of reasons such as delays in paying claims, poor customer service, lack of trust in their agent or policy cancellation. Regardless of your reason, switching companies is easier than you think.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The goal is to buy enough coverage for the lowest price while still protecting your assets.

You just learned many ways to compare 2015 Audi A3 insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a small local company.

More detailed car insurance information can be found at these sites:

• Driving in Bad Weather (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Side Impact Crash Tests (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)