Cheaper 2017 Audi S3 Car Insurance Cost

Looking for lower insurance coverage rates for your Audi S3? Are you regretting buying an overpriced insurance coverage policy? You’re preaching to the choir because many consumers are in the same pinch.

Due to the increasing number of companies and agents to choose from, it’s nearly impossible to locate the most cost effective insurance coverage company.

Where can I get low cost insurance?

The are a couple different ways of comparing price quotes from insurance companies in your area. The easiest way by far to find the cheapest 2017 Audi S3 insurance rates is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

The most efficient method consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for a different quote to each individual insurance company. One quote request will get you rate comparisons from many national carriers.

A less efficient way to analyze rates is spending the time to visit the website for each individual company to request a price quote. For example, let’s say you are doing a rate comparison from Allstate, Esurance and Liberty Mutual. To get each rate you have to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but do your best to enter the exact same coverages with each company. If you compare different data it will be very difficult to make a fair comparison for your Audi S3. Even a minor difference in coverages could skew the results. And when price shopping your coverage, comparing all the rates in your area increases the change that you will find more affordable insurance.

Get cheap insurance coverage with discounts

Car insurance companies don’t necessarily list every discount they offer very well, so we break down both the well known and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

  • Bundle and Save – If you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Save with More Vehicles Insured – Buying insurance for multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for S3 insurance with select insurance companies.
  • Military Discounts – Having a deployed family member may lower your premium rates slightly.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Own a Home and Save – Just being a homeowner can save you money because owning a home shows financial diligence.
  • Professional Organizations – Being in a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, that’s just not realistic.

Companies and some of the discounts are:

  • State Farm may offer discounts for Drive Safe & Save, anti-theft, passive restraint, multiple autos, Steer Clear safe driver discount, student away at school, and driver’s education.
  • Geico may include discounts for membership and employees, five-year accident-free, seat belt use, defensive driver, military active duty, multi-policy, and driver training.
  • Allstate offers discounts for 55 and retired, safe driver, senior citizen, premier discount, and utility vehicle.
  • SAFECO offers premium reductions for safe driver, accident prevention training, drive less, anti-lock brakes, teen safe driver, anti-theft, and homeowner.
  • Farm Bureau has discounts for renewal discount, driver training, 55 and retired, multi-vehicle, youthful driver, and good student.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, continuous coverage, multi-vehicle, good student, and online signing.
  • AAA offers discounts including pay-in-full, education and occupation, multi-policy, AAA membership discount, good student, and anti-theft.

Double check with every insurance company how you can save money. Savings may not be offered in your area. To find insurers with discount insurance coverage rates, click here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if your situation will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • How can I get high-risk coverage after a DUI?
  • Why do I only qualify for high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered when they drive my 2017 Audi S3?
  • At what point should I drop full coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance specifics

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, a tree branch falling on your vehicle, a broken windshield, hitting a deer and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This coverage provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses such as chiropractic care, EMT expenses, ambulance fees, prosthetic devices and dental work. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

Collision insurance covers damage to your S3 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, colliding with a tree, crashing into a ditch, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.