2015 Audi S3 Insurance Rates

Are you regretting the purchase of an underperforming, overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, more choices can make it harder to adequately compare rates.

It’s a great practice to compare premium rates every six months because insurance coverage prices change frequently. Despite the fact that you may have had the lowest rates for S3 insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to teach you the best methods to save on insurance coverage.

Which insurance is cheapest?

Finding a lower price on 2015 Audi S3 insurance is not rocket science. The only requirement is to spend a few minutes on the computer comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

Without a doubt, the easiest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate quotation requests for each price estimate. In just a few minutes this one form gets coverage cost estimates instantly.

A different way to analyze rates requires a visit to the website for every company you want to comare and fill out a new quote form. For example, we’ll assume you want to see prices from Liberty Mutual, Allstate and American Family. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

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

If you have time to kill, the last way to price shop rates is making phone calls or going to insurance agencies in your area. Comparing online rate quotes makes this unnecessary unless your situation requires the professional abilities of an agent trained in personal lines coverage. You can, however, get the lowest quotes online but still have the advice of a local agent.

Whichever method you choose, be certain you are entering nearly identical coverage data for each comparison quote. If you use different limits and deductibles on each one it’s not possible to determine the lowest rate for your Audi S3.

Take advantage of these premium-slashing discounts

Car insurance companies don’t always publicize every policy discount in a way that’s easy to find, so we took the time to find both well-publicized as well as some of the hidden credits available to you.

  • Employee of Federal Government – Federal government employees can save as much as 8% for S3 insurance but check with your company.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
  • Driver Training Discounts – Participating in a class that teaches driver safety techniques can save you 5% or more and easily recoup the cost of the course.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and the ABS can save up to 10%.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • E-sign Discounts – A few larger online companies will give a small break for buying your policy on their website.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way. But all discounts should definitely cut your overall bill.

To choose insurance companies that provide some of the discounts listed above, click here.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does medical payments coverage apply to all occupants?
  • How much underlying liability do I need for an umbrella policy?
  • Is my babysitter covered when using my vehicle?
  • Will my rates increase for filing one claim?
  • Is there coverage for injuries to my pets?
  • Do all my vehicles need collision coverage?
  • Who is covered by my policy?
  • Should I rate my 2015 Audi S3 as pleasure use or commute?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Smart consumers know how to find insurance coverage for less

Many things are used when you get your auto insurance bill. Some are obvious like an MVR report, although others are more transparent such as your marital status or your vehicle rating.

Shown below are a few of the things companies use to determine your rates.

  • Your address can push rates up or down – Choosing to live in less populated areas of the country has it’s advantages when talking about insurance coverage. Fewer drivers on the road means a lower chance of having an accident. Drivers who live in large cities have to deal with more road rage incidents and much longer commute distances. More time on the road means more chance of being in an accident.
  • Men are more aggressive – Statistics show that females take fewer risks when driving. The data does not necessarily mean that women are better drivers. Both sexes get in fender benders at a similar rate, but the male of the species get into accidents with more damage. Men also get more serious tickets like reckless driving and DUI. Males from age 16 to 21 are most likely to cause an accident and are penalized with high insurance coverage rates.
  • Good credit means lower costs – Having a bad credit score is likely to be a major factor in determining what you pay. If your credit history is lower than you’d like, you could be paying less to insure your 2015 Audi S3 by improving your rating. Consumers who have excellent credit tend to file fewer claims than those with poor credit.
  • Safer the car lower the rate – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Audi S3 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Extra policy coverages you don’t use – Insurance companies have many additional coverages that can waste your money when buying insurance coverage. Add-on coverages like roadside assistance, better glass coverage, and extra equipment coverage may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you have no use for them eliminate them to save money.
  • A insurance coverage policy lapse can increase rates – Driving without insurance coverage in place is against the law and insurance coverage companies will penalize you for letting your insurance expire. In addition to paying higher rates, failure to provide proof of insurance may result in fines or a revoked license.

Insurance advertisements

Drivers can’t ignore all the ads that claim the best rates from companies such as Progressive, Allstate and Geico. They all make the same claim that drivers can save some big amount if you move your coverage.

How does each company have lower policy pricing? This is the way they can do it.

All companies provide the lowest rates for the type of insured that will most likely be profitable. An example of a driver they prefer may be between the ages of 30 and 50, owns their home, and drives a lower-performance vehicle. Any new insured who matches that profile will qualify for the lowest premium rates and will most likely save when switching.

Potential customers who don’t qualify for these criteria may receive a higher rate and this results in the customer not buying. The wording the ads use say “people that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can lure you into getting a quote. This really drives home the point why drivers should compare free insurance quotes often. You cannot predict with any certainty which company will have the lowest rate quotes.

Insurance policy specifics

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as hospital visits, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Audi S3.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like loss of income, bail bonds, funeral expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft, vandalism and damage from flooding. The highest 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.

More comparisons equals lower rates

As you shop your coverage around, do not buy poor coverage just to save money. In many cases, an insured cut collision coverage only to find out that they should have had better coverage. Your aim should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

We just showed you some good ideas how to save on 2015 Audi S3 insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive insurance. Drivers may discover the lowest priced car insurance comes from a small local company. They may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Additional detailed information is located by following these links: