2017 Audi A3 Insurance Rates – 6 Ideas for Cheaper Quotes

No normal person fancies paying their premiums for insurance coverage, especially when they are aware that they could find better rates elsewhere. Consumers have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates.

It’s a good idea to do price comparisons on a regular basis because rates fluctuate regularly. Even if you got the best rate on A3 coverage a couple years back you may be paying too much now. You can find a lot of information about insurance coverage out there, but by reading this article, you’re going to learn some great ways to find cheap insurance coverage.

This information will introduce you to how to effectively get price quotes. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Drivers only need an understanding of the best way to compare price quotes over the internet.

How to find low cost car insurance

There are a lot of ways to shop for car insurance, but there is one way that is more efficient than others. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and each company then gives them pricing determined by their information. This system prevents you from having to do repetitive form submissions for every car insurance company.

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

The single downside to pricing coverage this way is you are unable to specify which providers to receive prices from. If you wish to select specific providers to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

The method you choose is up to you, but do your best to enter the same coverages on every quote you get. If each company quotes different data it’s not possible to determine the best price for your Audi A3.

Your car insurance coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if your insurance needs might need professional guidance.

  • How much liability coverage do I need in my state?
  • Is my 2017 Audi A3 covered for smoke damage?
  • Does coverage extend to a rental car in a foreign country?
  • I don’t drive much so do I pay less?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I total my 2017 Audi A3 and owe more than it’s worth?
  • Will I lose any money if I cancel my policy before it expires?
  • How do I file an SR-22 for a DUI in my state?
  • Should I rate my 2017 Audi A3 as pleasure use or commute?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Collision insurance

This coverage will pay to fix damage to your A3 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A3.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance 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 things such as damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, medical services, structural damage, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for rehabilitation expenses, EMT expenses, dental work, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage