View 2016 Audi Q3 Car Insurance Cost

Trying to find better car insurance rates for your Audi Q3? Searching for better insurance prices for your Audi Q3 could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for car insurance so we’re going to tell you the best way to get price quotes for a Audi and find the best price possible either online or from local insurance agents.

How to buy car insurance

Performing a rate comparison is a ton of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company then gives them pricing. This eliminates the need for quote forms to each company.

To compare rates using this form now click to open in new window.

One minor caviat to pricing coverage this way is you can’t choose the companies to receive prices from. If you would rather choose specific providers to request quotes from, we put together a list of car insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you are using the exact same coverage data with each company. If you have different deductibles it will be next to impossible to truly determine the lowest rate.

Everyone needs different insurance coverages

When buying adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if hit by an uninsured driver?
  • Do I need more liability coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • What companies insure drivers after a DUI or DWI?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving a rental car?
  • Can I still get insurance after a DUI?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – This pays for damage to your Q3 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, theft and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for ambulance fees, funeral costs, pain medications, dental work and hospital visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi Q3.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Liability – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, bail bonds and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.