Searching for better insurance prices for your Audi A3 could be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.
There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to get price quotes for your Audi and find the lowest possible price from both online companies and local agents.
You need to compare rates yearly because insurance rates go up and down regularly. Even if you think you had the best rates for A3 insurance a couple years back you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you how to use online quotes to properly buy coverages and cut your premium.
Auto Insurance Comparison Rates
Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You could spend the better part of a day talking to agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.
Most car insurance companies take part in a program where insurance shoppers only type in their quote data once, and at least one company then returns a price quote based on that information. This saves time by eliminating quote forms for every auto insurance company.
To find out what other companies charge click here to start a free quote.
The one disadvantage to pricing coverage this way is you are unable to specify which carriers you want to price. So if you want to select specific insurance companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.
However you get your quotes, ensure you’re using the exact same coverage limits and deductibles on every quote. If your comparisons have different limits and deductibles on each one you can’t possibly decipher which rate is best. Just a small difference in coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps locate better pricing.
Don’t overlook these discounts
Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you get a quote, but some may not be applied and must be specifically requested before they will apply.
- Paperwork-free – A few companies will give a small break simply for signing digitally online.
- Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
- New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
- No Accidents – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
- Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Resident Student – Kids in college who are attending college and do not have a car can receive lower rates.
- Multi-policy Discount – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
Keep in mind that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your premiums.
To see a list of providers offering auto insurance discounts, follow this link.
Impacting insurance rates for an Audi A3
An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.
- Bump up deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Audi. Examples of covered claims could be a windshield shattered by a rock, damage from fire, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount you’re willing to pay, the less your auto insurance will be for A3 insurance.
- Pay less if you’re married – Having a spouse actually saves money when buying auto insurance. Marriage is viewed as being more mature and it’s proven that drivers who are married are more cautious.
- Protect yourself with liability coverage – Liability insurance is the protection if you are found liable for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
- Battle of the sexes – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women tend to get into accidents in similar percentages, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
- Consolidate policies to earn discounts – Most auto insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money. You may still be able to find a better deal by buying auto insurance from a different company.
- Do you need the policy add-ons? – There are quite a few add-on coverages that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
- Big city or small town – Residing in a small town can save you money when talking about auto insurance. Lower population translates into fewer accidents and a lower car theft rate. City drivers have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.
What is YOUR best insurance company?
When trying to cut insurance costs, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Drivers switch companies for a number of reasons such as lack of trust in their agent, high prices, delays in responding to claim requests and policy cancellation. It doesn’t matter why you want to switch switching companies is easier than you think.
We just presented a lot of ways to shop for Audi A3 insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from some of the lesser-known companies.
