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Audi A3 Insurance Cost

Finding cheaper car insurance through online companies can be fast and easy, plus you can save money. The most important part is to take the time to get rates from all providers so you can get the lowest rate quotes.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find competitive Audi A3 insurance rates is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these things

Car insurance premiums paid to insure a Audi A3 can vary widely depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Crash test rating for your A3
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor which can affect Audi A3 insurance cost is the year of the vehicle. Models that are a few years old have a lower value than newer models so the costs to repair may result in lower rates. But new Audi models may have safety features including a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Audi A3 Insurance Rates?