Insure Your Audi A3 For Less Than You Are Paying Now
If comparing car insurance was easy, most of us would do it more often. But more than likely, it's challenging for most people and we always end up paying more than we want. Finding affordable insurance for your Audi A3 is probably the same story.
Step One: Compare Multiple Rates
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. But now you can eliminate that hassle and buy online!
The best car insurance companies offer online quoting for a Audi A3 and it's very easy to compare different rates by only using one form.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Quote Tip! In order to accurately compare rates for your A3, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Cut Costs on A3 Insurance
After completing step one above, you can now learn some of the other ways to slash your A3 insurance costs.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- People like sports cars like the A3 for many reasons, but one of them is not a low cost to insure. Sporty vehicles generally have higher performance and with that comes higher risk for an accident.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- Most Audi vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
Step Three: Finalize your Car Insurance Policy
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new A3 will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To do more research on car insurance, visit the Insurance Information Institute website.
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