2017 Audi A3 Sportback e-tron Insurance Quotes – 5 Ideas for Cheaper Rates

Looking for lower insurance rates for your Audi A3 Sportback e-tron? Are you a victim of overpriced insurance? It’s a common feeling and there are lots of people in the same boat. You have multiple insurers to insure vehicles with, and though it is a good thing to have multiple companies, having more insurance companies makes it harder to find the lowest cost provider.

Cheaper insurance rates with discounts

Insurance is not an enjoyable expense, but there are discounts available to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit.

  • Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Driving Data Discount – Drivers who elect to allow data collection to look at driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted premium rates on garaged vehicles.
  • No Accidents – Insureds who avoid accidents and claims can earn big discounts as opposed to frequent claim filers.
  • One Accident Forgiven – Not really a discount, but companies like Allstate, State Farm and Geico may permit one accident without the usual rate increase as long as you don’t have any claims before the accident.

Remember that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few popular companies and a partial list of their discounts are outlined below.

  • State Farm may offer discounts for driver’s education, accident-free, passive restraint, multiple autos, Steer Clear safe driver discount, anti-theft, and defensive driving training.
  • Progressive may include discounts for online signing, good student, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
  • Progressive has savings for multi-policy, multi-vehicle, online signing, homeowner, good student, and online quote discount.
  • MetLife offers discounts including defensive driver, good driver, accident-free, multi-policy, and claim-free.
  • Farm Bureau may have discounts that include safe driver, youthful driver, multi-policy, good student, 55 and retired, driver training, and renewal discount.
  • Geico includes discounts for air bags, five-year accident-free, multi-policy, daytime running lights, and driver training.
  • SAFECO discounts include drive less, anti-lock brakes, teen safety rewards, multi-car, teen safe driver, and homeowner.

When comparing rates, check with each insurance company the best way to save money. Some credits might not be offered on policies everywhere. To view insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining if your situation might need professional guidance.

  • Who is covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is no-fault insurance?
  • Is a fancy paint job covered?
  • Is my 2017 Audi A3 Sportback e-tron covered for flood damage?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm and Allstate. All the ads try to convey promises that people will save if you change to them.

But how can every company claim to save you money? This is how they do it.

Insurance companies require specific criteria for the type of driver that makes them money. For example, a desirable insured might have to be married and over the age of 30, has never had a policy lapse, and drives less than 7,500 miles a year. A customer getting a price quote that fits those parameters gets the lowest prices and will most likely cut their rates if they switch.

Potential customers who do not match the “perfect” profile will be quoted a higher rate and ends up with the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can confidently make claims like that.

This really illustrates why you need to quote coverage with many companies. It’s impossible to know which insurance company will provide you with the cheapest prices.

Car insurance coverages explained

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Coverage for liability

Liability coverage can cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your A3 Sportback e-tron resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for surgery, X-ray expenses, ambulance fees, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Make an honest buck

Some insurance companies may not have internet price quotes and most of the time these regional insurance providers prefer to sell through local independent agents. Low-cost 2017 Audi A3 Sportback e-tron insurance is definitely available online and also from your neighborhood agents, and you need to price shop both to have the best selection.

When searching for affordable auto insurance quotes, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

You just learned quite a bit of information on how to save on 2017 Audi A3 Sportback e-tron insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with a lesser-known regional company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

More information can be found on the following sites: