2016 Audi A3 Insurance Quotes – 9 Tips for Cheaper Rates

Want lower auto insurance rates for your Audi A3? Wish you could get a refund on an overpriced auto insurance policy? You’re preaching to the choir because you’re not the only one. Due to the abundance of choices of insurance companies, it can be hard to find a lower cost auto insurance provider.

You should make it a habit to shop coverage around on a regular basis since insurance prices tend to go up over time. If you had the lowest price for A3 coverage two years ago other companies may now be cheaper. You’ll find a ton of advice on auto insurance online but in this article, you’re going to get some proven techniques to reduce your auto insurance bill.

Buy insurance coverage online

Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm provide price estimates on the web. Comparing prices online can be done by anyone as you simply type in your coverage information into the form. Behind the scenes, the system collects reports for credit and driving violations and gives you a price quote. Quoting online makes comparing rates easy, but the work required to visit many different websites and type in the same information is a waste of time. But it’s necessary to perform this step if you want to get better prices.

The smarter way to get multiple rate quotes is to use a quote form that gets prices from several companies at one time. It saves time, requires much less work on your part, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is quoted and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.

In order to find out how much you can save on insurance coverage, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This helps ensure you will receive an apples-to-apples comparison for the exact same coverage.

More discounts mean cheap premiums

Companies that sell car insurance do not list all possible discounts in a way that’s easy to find, so the next list breaks down some of the best known and also the lesser-known ways to save on insurance coverage.

  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for A3 coverage compared to rates paid by drivers with frequent claims.
  • Defensive Driver – Participating in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
  • Smart Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Paper-free Discount – A few larger online companies give back up to $50 just for signing your application on their website.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Not all insurance coverage companies offer life insurance, but some may give you a discount if you purchase life insurance.
  • Buy New and Save – Buying a new car model may earn a small discount compared to insuring an older model.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

For a list of insurance companies offering insurance coverage discounts, click this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can help discover if you will benefit from professional help.

  • How high should my medical payments coverage be?
  • When can I cancel my policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my teenager covered with friends in the car?
  • Do I need higher collision deductibles?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, rehabilitation expenses, nursing services, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi A3.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, 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. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as court costs, loss of income, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

This coverage covers damage to your A3 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comments About 2016 Audi A3 Insurance

  1. Kaitlin Castillo

    Corporate greed I’m telling you. From Tucson, AZ. I got free prices from American Family, Safeco, and Western Auto Insurance for my A3 and saved around $200 a year. Did it all online.

  2. Samuel Robles

    Here’s what I found out. Lifelong resident of Billings, MT. Quoted quotes with USAA, AIG Insurance, The General, and Sentry for my 2016 Audi A3 and saved just over $550 a year. Even increased coverage a bit. Online quotes are the way to go.

  3. Aleshia Conrad

    Nice info. I’m in the east part of Bellevue, NE. Quoted prices online for a 2016 Audi A3. Ended up at about $550 savings annually. Went with GEICO. Hardly afford to drive anymore.

  4. Taneka Mercado

    Corporate greed I’m telling you. I live just outside San Jose, CA. Quoted a bunch of companies. Saved darn near $40 a month. 21st Century was the cheapest for me. Not sure if rates are cheaper online or through an agent.

  5. Nelia Morales

    Located in Lewiston, ME. I don’t recall every quote but I ended up saving about $30 each month. Left USAA to switch. I think they have home insurance too. Are quotes cheaper online?

  6. Otha Pitts

    I’m in the south part of Charlotte, NC, and GEICO rates were best. Was with Allstate. It’s easy to compare rates online now.

  7. Rona Powell

    Proud to be from Wichita, KS. Got prices from Liberty Mutual, American Family, Mercury, and a couple others for my 2016 Audi A3 and saved just over $200 a year. Thankfully I have a good driving record. I got prices on the web.

  8. Hannah Marsh

    I compared a lot of rate quotes for a 2016 Audi A3 in Fort Smith, Arkansas. Ended up at roughly $170 every six months with Auto-Owners. Was with Liberty Mutual. Switched homeowners coverage too.

  9. Amy Clark

    I’m from Raleigh, North Carolina. I quoted with Auto-Owners, Mercury, and a few others for my Audi and saved $450 a year. Thankfully I’m not a high risk driver. Get lots of quotes to find the best rate.

  10. Lewis Mclean

    I live in a small town just outside of Reno, Nevada. I quoted with Amica, Safeco, and USAA for my Audi and saved $341 a year.

  11. Dortha Cardenas

    I compared a lot of rate quotes for a 2016 Audi A3 in Henderson, Nevada. Ended up at roughly $110 every six months with AIG Insurance. It’s easy to compare rates online now.

  12. Dennis Hopkins

    Just a quick comment on my experience. Live in Charleston, SC. Went online for free insurance quotes for a 2016 Audi A3. Ended up at about $520 savings annually. Went with 21st Century. Left Travelers to switch. I got prices on the web.

  13. Takisha Kaufman

    I got decent rates for a 2016 Audi A3 in Des Moines, Iowa. Ended up at darn near $520 every six months with American Family. I even had a DUI years ago. It’s still not cheap enough.