Compare 2016 Audi A3 Sportback e-tron Insurance Quotes

Paying more affordable coverage rates for auto insurance could be a challenge for drivers who are new to comparison shopping online. You have so many choices that it can quickly become a big hassle to find the perfect company for you.

It’s important to shop coverage around once or twice a year because insurance prices are usually higher with each renewal. Just because you had the best rates for A3 Sportback e-tron insurance two years ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re about to find out one of the easiest ways to buy cheaper auto insurance.

More discounts mean cheap premiums

Companies offering auto insurance don’t list every possible discount very well, so here is a list some of the more common and the more hidden credits available to lower your premiums when you buy auto insurance online.

• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
• Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.
• Waiver for an Accident – Not a discount per se, but companies like State Farm and Allstate will let one accident slide without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
• Good Student – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you better insurance coveragerates if you take out a life policy as well.
• Driving Data Discount – Drivers who agree to allow their insurance coverage company to scrutinize where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
• Low Mileage Discounts – Fewer annual miles on your Audi could earn discounted insurance coveragerates on garaged vehicles.
• 55 and Retired – If you qualify as a senior citizen, you could receive a slight reduction on a auto insurance quote for A3 Sportback e-tron insurance.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of insurance coverage companies and some of their more popular discounts can be found below.

• Geico offers premium reductions for emergency military deployment, federal employee, anti-lock brakes, anti-theft, and defensive driver.
• USAA offers discounts for safe driver, loyalty savings, annual mileage, new vehicle, and vehicle storage.
• Progressive has savings for good student, continuous coverage, online quote discount, online signing, multi-vehicle, homeowner, and multi-policy.
• American Family offers discounts including bundled insurance, good student, defensive driver, Steer into Savings, early bird, accident-free, and TimeAway discount.
• Esurance policyholders can earn discounts including multi-policy, homeowner, anti-lock brakes, DriveSense, and multi-car.
• Farmers Insurance has discounts for youthful driver, distant student, good student, multi-car, switch companies, teen driver, and early shopping.
• State Farm may include discounts for student away at school, Steer Clear safe driver discount, anti-theft, accident-free, defensive driving training, Drive Safe & Save, and multiple autos.

If you need lower rates, check with each company which discounts can lower your rates. Savings might not be offered in your area. To choose insurance coverage companies with discount rates, click this link.

Informed drivers save more

Many different elements are taken into consideration when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent like where you live or your commute time.

• Your occupation and insurance coverage rates – Did you know your career choice can influence rates? Careers such as military generalspolice officers and stock brokers have higher rates than average due to stressful work requirements and long work days. Other jobs such as actors, students and the unemployed get better rates for A3 Sportback e-tron insurance.
• File a insurance claims and pay more – Insurance companies give cheaper rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.
• Save by driving cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety reduce injuries and better occupant protection means less money paid by your insurance company which can mean better rates for you. If the Audi A3 Sportback e-tron has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Prices increase with policy add-ons – There are a lot of add-on coverages that can add up on your A3 Sportback e-tron policy. Coverages for replacement cost coverage, accidental death, and extra equipment coverage are some examples. They may seem good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
• Mature drivers pay less – Drivers with little experience are known to be easily distracted with other occupants in the car so they pay higher insurance coverage rates. Parents adding a young driver to your insurance coverage policy can be quite pricey. Older drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
• High credit scores save money – Your credit rating can be an important factor in calculating your insurance coverage rates. If your credit rating is lower than you’d like, you could save money insuring your 2016 Audi A3 Sportback e-tron by repairing your credit. Insureds that have high credit scores tend to be better risks to insure than drivers who have lower ratings.
• How much liability coverage – The liability section of your policy kicks in if a court rules you are at fault for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not skimp.
• Cheaper prices using alarm systems – Selecting a car model that has a built-in theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.

It’s not one size fits all

When buying proper insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions may help highlight if your situation would benefit from professional advice.

• Am I covered by my spouse’s policy after a separation?
• Is borrowed equipment or tools covered if stolen or damaged?
• Why am I required to get a high-risk car insurance policy?
• How much underlying liability do I need for an umbrella policy?
• What is UM/UIM insurance?
• What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Insurance coverage basics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, loss of income, structural damage, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, surgery, hospital visits, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane, hail damage and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This will pay to fix damage to your A3 Sportback e-tron from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Audi A3 Sportback e-tron.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

In Summary

When getting auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

We just presented a lot of information how to get a better price on 2016 Audi A3 Sportback e-tron insurance. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive auto insurance. Consumers may even find the most savings is with an unexpected company.

Consumers switch companies for many reasons like being labeled a high risk driver, extreme rates for teen drivers, delays in paying claims or even questionable increases in premium. Regardless of your reason, switching insurance coverage companies is not as difficult as it may seem.

More information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)