Save on 2018 Audi S3 Car Insurance Rates

Trying to find better insurance prices for a new or used Audi S3 can turn out to be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare insurance coverage rates and you need to know the quickest way to get price quotes for a Audi and locate the cheapest rates from both online companies and local agents.

The fastest way that we advise to compare insurance rates from multiple companies is to understand almost all companies participate in online systems to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details including how much education you have, deductibles desired, if the vehicle is leased, and whether the vehicles are used for commuting. Your information is then submitted to multiple companies and they return rate quotes immediately.

Don’t assume everyone needs the same car insurance coverage

When choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help highlight whether you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my 2018 Audi S3 covered for flood damage?
  • Is my trailer covered?
  • How does medical payments coverage work?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverages 101

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, loss of income, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, dental work, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2018 Audi S3.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from flooding, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Comments About 2018 Audi S3 Insurance

  1. Patrice Bender

    I compared a lot of rate quotes for a 2018 Audi S3 in Montgomery, AL. Ended up at darn near $540 every six months with Amica. I even had a DUI years ago. It was easy to get rates.

  2. Thaddeus Avery

    If you have a good history and are close to New Orleans, LA, check out Allstate. They seem to be cheaper. Insured with Safeco before. Have a couple speeding tickets too.

  3. Katelyn Church

    I live just to the south of Portland, Oregon. Quoted rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 2018 Audi S3 and am saving around $240 a year. Left The General to switch. Have an at-fault accident tho. Can still barely afford it.

  4. Halley Meyers

    From Albuquerque, NM. Compared quite a few companies. Saved roughly $60 a month. Allstate was the most affordable for me. Insured with GMAC before. Highly recommended.

  5. Joaquin Gregory

    2018 Audi S3 + 21st Century = GOOD RATES!