Lower Your 2017 Audi RS 3 Car Insurance Cost

Want better auto insurance rates? Drivers have a choice when trying to find the lowest priced Audi RS 3 insurance. They can either spend hours calling around to compare prices or use the internet to compare rates.

There is a better way to compare auto insurance rates and you need to know the proper way to get price quotes on a Audi and find the lowest price from local insurance agents and online providers.

How to find the cheapest auto insurance

Most larger insurance companies allow consumers to get prices for coverage on their websites. Getting prices online is quite easy as you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their system collects your driving record and credit report and generates a price based on these and other factors.

This helps simplify price comparisons, but the time required to go to multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes in order to find lower prices.

The smarter way to locate the lowest prices requires only one form to obtain quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much simpler. After your information is entered, it is quoted with multiple companies and you can pick any of the quotes returned.

If you find a better price you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and may result in a nice savings.

To compare rates using this form now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you copy the coverage information just like they are on your policy. This makes sure you will receive comparison quotes for the exact same coverage.

Reduce your insurance coverage rates with discounts

Some insurers do not list the entire discount list very well, so the below list has both the well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of as much as 10 to 15 percent.
  • Accident Waiver – Not really a discount, but a few companies such as State Farm and Progressive permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Defensive Driver Discounts – Participating in a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on RS 3 insurance depending on your company.
  • Discount for Home Ownership – Just owning your own home can save a few bucks since owning and maintaining a home requires personal responsibility.
  • Early Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Active Service Discounts – Being deployed in the military may lower your premium rates slightly.
  • Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
  • Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted insurance coveragerates on garaged vehicles.

Drivers should understand that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A partial list of companies that may offer policyholders most of the discounts above possibly include:

If you need lower rates, check with each company the best way to save money. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies that have a full spectrum of discounts, follow this link.

Why your insurance rates might be higher

Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are not as apparent such as your marital status or your vehicle rating.Smart consumers have a good feel for some of the things that aid in calculating your premiums. If you understand what determines base rates, this allows you to make good choices that may reward you with much lower annual insurance costs.

The list below includes some of the most rate-impacting factors used by your company to calculate premiums.

  • Vehicles with better crash test results save money – Safer cars can get you lower premiums. Highly rated vehicles reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Audi RS 3 is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Women and men are in at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving.
  • Obey driving laws and save – Whether or not you get tickets has a huge affect on how much you pay. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Just one ticket may cause rates to rise by as much as twenty percent. People who have careless tickets such as DUI or willful reckless driving may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • Pay more if you have a long commute – Being located in a rural area has it’s advantages when talking about insurance coverage. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with much more traffic and a longer drive to work. Higher commute times can result in more accidents.
  • Extra coverages that aren’t used – There are quite a few additional coverages that can waste your money if you aren’t careful. Things like roadside assistance, accidental death, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if they’re wasting money eliminate them to save money.

You are unique and your car insurance should be too

When choosing coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions may help highlight if you could use an agent’s help.

  • Can I get a multi-policy discount?
  • When can my company non-renew my policy?
  • Am I covered when using my vehicle for business?
  • Is a fancy paint job covered?
  • Is my 2017 Audi RS 3 covered for flood damage?
  • Is motorclub coverage worth it?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do drivers who switch really save?

Drivers can’t escape the ads that claim the lowest car insurance rates by companies like Progressive, Allstate and Geico. They all seem to seem to make the promise that drivers can save some big amount after switching your coverage.

How does every company save you money? Here is how they do it.

Most companies have specific criteria for the type of customer that will be a good risk. For instance, a profitable insured could be between 25 and 40, owns a home, and drives a vehicle with a low ISO rating. Any driver who fits those characteristics will probably get the lowest car insurance rates and have a good chance to save when switching.

Consumers who do not fit these standards will get a higher rate which leads to the customer buying from someone else. The trick is to say “people that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make claims like that.

This really emphasizes why you really need to compare quotes as often as possible. It’s not possible to predict which insurance companies will be your best fit.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision – Collision insurance will pay to fix damage to your RS 3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for pain medications, dental work, X-ray expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage – Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, 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) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Feed the piggy bank

Some insurance companies don’t offer rates over the internet and usually these smaller companies provide coverage only through local independent agencies. The cheapest 2017 Audi RS 3 insurance can be purchased both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money.

In this article, we covered a lot of ways to shop for 2017 Audi RS 3 insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the most savings is with a lesser-known regional company.

People switch companies for any number of reasons including policy cancellation, extreme rates for teen drivers, unfair underwriting practices or even an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be easy and end up saving you some money.

Much more information about insurance coverage can be found on the following sites: