Are you frustrated by the number of insurance choices available to you? vehicle owners have such a vast assortment of choices available that it can easily become a big hassle to find lower insurance rates.
Buying affordable coverage is not that difficult. Just about every vehicle owner who carries car insurance stands a good chance to be able to save money. Nevertheless, vehicle owners benefit from understanding how companies price insurance differently because it can help you find the best coverage.
Properly insuring your vehicles can get expensive, but there could be significant discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but some discounts are required to be inquired about in order for you to get them.
A quick disclaimer, some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck.
Insurance companies that may have most of these discounts include:
If you want cheaper insurance quotes, ask all companies you are considering how you can save money. All car insurance discounts may not apply to policyholders everywhere. If you would like to choose from a list of insurance companies with the best discounts, follow this link.
When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover whether or not you might need an agent’s assistance.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
Respected companies like State Farm, Allstate and Geico regularly use television, radio, and online ads. They all advertise the message that people will save just by switching your policy. How do they all sell you cheaper insurance coverage? Just pay attention to how they say it.
Insurance coverage companies provide the lowest rates for the type of driver they prefer to insure. A good example of this type of driver might be over the age of 40, carries full coverage, and has great credit. A customer getting a price quote that fits those parameters will qualify for the lowest car insurance rates and as a result will probably save a lot of money.
Potential insureds who don’t meet these standards may receive a higher rate which leads to business not being written. The trick companies use is to say “people that switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently state the savings.
Because every company is different, you need to get as many free insurance quotes as possible. You cannot predict with any certainty which company will provide you with the cheapest car insurance rates.
Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Liability coverages – This can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims like bail bonds, attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle, fire damage and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, dental work, X-ray expenses, nursing services and hospital visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2016 Audi S3.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision coverage – Collision coverage covers damage to your S3 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
We just showed you many ways to lower your 2016 Audi S3 insurance prices. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from a small mutual company.
When you buy insurance online, you should never reduce needed coverages to save money. There are too many instances where drivers have reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage for the lowest cost and still be able to protect your assets.
Consumers switch companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, delays in paying claims or even high prices. Whatever your reason, switching companies can be less work than you think.
More detailed car insurance information is available by following these links:
This is too expensive. From northwest of Parkersburg, West Virginia. Quoted quotes with State Farm, American Family, and some I forget for my S3 and saved about $520 a year. I quoted rates online then called them.
I found affordable 2016 Audi S3 insurance from GEICO in Jacksonville, FL.
I live in a small town just outside of Philadelphia, PA. Compared quite a few companies. Saved darn near $30 a month. State Farm was the cheapest option for me.
Good site, thanks. From Atlanta, GA. Got car insurance quotes from Sentry, Erie, 21st Century, and AIG Insurance for my S3 and saved around $110 a year. Are quotes cheaper online?
Nice post. Went with Mercury for my Audi and am saving around $350 a year.
I got decent rates for a 2016 Audi S3 in Salt Lake City, UT. Ended up at right around $580 every six months with American Family. Hardly afford to drive anymore.
2016 Audi S3 + Allstate = GOOD RATES!
I’m looking for cheaper coverage. I live in a small town just outside of Cincinnati, OH. Not sure of all the companies but I ended up saving about $60 each month. Left Travelers to switch. I have kids on my policy, too. They offer free online rate quotes.
I’m just south of Louisville, KY. Quoted with Travelers, AAA, GMAC, and Sentry for my S3 and saved $337 a year. I used their online quote form to compare rates.
Affordable car insurance is a myth. Got a quote with State Farm for my S3 and am saving around $280 a year. Even increased coverage a bit. I used their website to get prices.