2016 Audi A3 Car Insurance Cost

Searching for lower auto insurance rates for your Audi A3? Are you baffled by the dozens of auto insurance choices available to you? You have so many choices to choose from that it can easily become more work than you anticipated to compare auto insurance rates.

How much is auto insurance?

There are multiple methods to compare auto insurance prices but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for every auto insurance company.

To find out how much you can save on auto insurance click here (opens in new window).

The single downside to using this type of system is you are unable to specify the insurers to receive prices from. If you prefer to choose individual companies for rate comparison, we put together a list of auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use exactly the same coverage limits for each price quote. If each company quotes differing limits it will be impossible to get a fair rate comparison. Quoting even small variations in limits may result in large price differences. And when comparison shopping, getting more free quotes helps improve the odds of finding a better price. Some regional insurers cannot provide prices over the internet, so it’s important to compare rates from those companies as well.

Insurance coverage ads bend the truth

Geico, State Farm and Progressive regularly use ads in print and on television. They all seem to convey the message that you can save if you move your policy. How is it possible that every company can cost less than your current company? It’s all in the numbers.

Companies have a certain “appetite” for the type of driver that will be a good risk. For instance, this type of risk profile might be over the age of 50, has no prior claims, and drives newer vehicles. Any person who matches those parameters will most likely get cheap prices and will probably save a lot of money.

Potential insureds who cannot meet those standards will see higher prices and business not being written. The ad wording is “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully make claims like that.

Because of this risk profiling, you need to get car insurance quotes as often as possible. It is just not possible to predict the company that will have the best prices.

Discounts to earn lower-cost car insurance rates

Companies don’t always list every possible discount in an easy-to-find place, so the following list contains a few of the more common and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • Defensive Driver Discount – Taking part in a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Accident Waiver – This one is not really a discount per se, but some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Discount for Low Mileage – Keeping the miles down on your Audi could earn cheaper prices.
  • Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on A3 coverage depending on your car insurance provider.
  • Driver’s Education for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy can get a discount for every vehicle.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

Popular car insurance companies and their offered discounts are included below.

  • Geico offers premium reductions for air bags, good student, driver training, anti-theft, defensive driver, membership and employees, and seat belt use.
  • Mercury Insurance includes discounts for age of vehicle, type of vehicle, professional/association, good student, and anti-theft.
  • Farmers Insurance discounts include early shopping, pay in full, good student, electronic funds transfer, alternative fuel, and distant student.
  • Auto-Owners Insurance offers discounts for multiple vehicles, anti-theft, mature driver, paperless, and group or association.
  • Liberty Mutual may include discounts for new vehicle discount, teen driver discount, exclusive group savings, newly retired, newly married, and multi-policy.
  • SAFECO may have discounts that include accident prevention training, multi-car, drive less, safe driver, homeowner, teen safety rewards, and bundle discounts.
  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online signing, homeowner, online quote discount, multi-policy, and good student.
  • USAA has discounts for multi-policy, vehicle storage, annual mileage, family discount, loyalty savings, and driver training.

Before purchasing a policy, check with every company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your state. To view companies that offer discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need rental car coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Does having multiple vehicles earn me a discount?
  • Is extra glass coverage worth it?
  • Does liability extend to a camper or trailer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – Liability insurance can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, medical services, loss of income and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi A3.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills such as surgery, prosthetic devices, chiropractic care, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your A3 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from flooding, rock chips in glass and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Save your cold hard cash

Throughout this article, we presented a lot of information how to lower your 2016 Audi A3 insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best rates are with a smaller regional carrier.

People switch companies for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, poor customer service and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company can be easier than you think.

When searching for inexpensive car insurance quotes, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured cut liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

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