2017 Audi A3 Insurance Cost – 8 Tips to Save

Want cheaper insurance coverage rates for your Audi A3? If you’ve never shopped for car insurance quotes online, there’s a good chance you are bewildered by the sheer number of online insurance coverage companies and websites all claiming to save you money.

Consumers need to compare premium rates quite often because prices fluctuate regularly. Just because you found the lowest rates for A3 coverage a year ago a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, but in this article, you’re going to get a lot of great tips on how to slash your insurance coverage rates.

Compare auto insurance quotes

To find the best auto insurance rates, there are several ways to obtain and compare prices from lots of auto insurance companies. By far the easiest way to find the lowest 2017 Audi A3 rates involves getting comparison quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

1. Hands down the most simple method to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate forms for each price estimate. One form submission compares rates from multiple low-cost companies.It’s the quickest way to get rates.
2. Another way to get quotes online is to manually visit the website for each individual company and repeat the quote process. For sake of this example, we’ll assume you want to see prices from Liberty Mutual, Farmers and Travelers. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is more popular.

   To view a list of companies in your area, click here.

Whichever way you choose to compare rates, try to keep apples-to-apples quote information with each company. If each company quotes higher or lower deductibles it will be impossible to truly determine the lowest rate. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, making a lot of price comparisons will increase your chances of finding more affordable rates.

Car insurance companies offer lots of discounts

Car insurance is easily one of your largest bills, but you can get discounts that could drop your premiums quite a bit. Many discounts should be triggered at quote time, but some must be inquired about before they will apply. If you do not check that you are getting every discount you deserve, you are throwing money away.

• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for A3 coverage with certain companies.
• ABS Braking Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Early Signing – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
• Life Insurance – Not all car insurance companies offer life insurance, but some may give you lower prices if you buy some life insurance in addition to your auto policy.
• College Student – College-age children who are attending college and do not have access to a covered vehicle can receive lower rates.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts could see savings of 25 to 30%.
• Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more and also improve your driving technique.

Remember that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Larger car insurance companies and their offered discounts are outlined below.

• Farm Bureau discounts include safe driver, youthful driver, renewal discount, 55 and retired, and multi-vehicle.
• State Farm offers premium reductions for defensive driving training, multiple policy, passive restraint, good student, anti-theft, and safe vehicle.
• Progressive offers discounts for continuous coverage, online quote discount, homeowner, good student, multi-policy, multi-vehicle, and online signing.
• Allstate may have discounts that include new car, resident student, anti-lock brakes, passive restraint, good student, and defensive driver.
• Nationwide has savings for business or organization, good student, anti-theft, multi-policy, and defensive driving.
• MetLife policyholders can earn discounts including good student, accident-free, defensive driver, multi-policy, claim-free, and good driver.

Before purchasing a policy, check with each company or agent to give you their best rates. Discounts may not apply to policies in every state. To see a list of insurance companies who offer free car insurance quotes, click here.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you might need professional guidance.

• Can I still get insurance after a DUI?
• Should I sign the liability waiver when renting a car?
• What is the minimum liability in my state?
• What vehicles should carry emergency assistance coverage?
• Is other people’s property covered if stolen from my vehicle?
• Should I buy full coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 2017 Audi A3.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, damage from flooding and hitting a bird. 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.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as funeral expenses, medical expenses, pain and suffering, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, chiropractic care and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay