Cheap 2006 Audi A3 Insurance Quotes

Searching for the cheapest car insurance rates for your Audi A3? Finding better rates for car insurance is nearly impossible for consumers not familiar with comparison shopping online. You have so many choices that it can easily become a big hassle to locate the lowest price.

If you currently have car insurance, you will be able to cut costs considerably using these tips. Shopping for the best car insurance is quite easy. Nevertheless, car owners should learn the way companies sell insurance online and use this information to your advantage.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Some trigger automatically at the time of quoting, but less common discounts must be specially asked for before you get the savings.

  • Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Save over 55 – Older drivers can possibly qualify for better insurance rates for A3 insurance.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply everywhere.

Fast and Easy Auto Insurance Quotes

There are several ways to get quotes from local auto insurance companies. The easiest way to find the cheapest 2006 Audi A3 insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quotes for each company. One form submission compares rates from several companies. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to analyze rates is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want rates from USAA, Safeco and Farmers. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits for each comparison quote. If you compare unequal deductibles or liability limits you can’t possibly make an equal comparison. Having just a slight variation in limits could mean much higher rates. Just keep in mind that comparing more company’s prices helps you find a better price.

Audi A3 rates are complex

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Add-on coverages can add up – There are many extra bells and whistles you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Pleasure use saves money – The higher the mileage driven each year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your insurance declarations sheet is showing the correct usage for each vehicle, because it can save money. If your policy improperly rates your A3 can cost quite a bit.
  • Your location is important – Residing in less populated areas is a positive aspect when it comes to insurance. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents.
  • No coverage gaps is important – Allowing your insurance policy to lapse is a guaranteed way to bump up your insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department.
  • Lower rates with optional equipment – Owning a car with an alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Discounts for married couples – Being married can actually save you money on your insurance policy. Marriage is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Do you know your deductibles? – Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The more expense the insured has to pay upfront, the less your insurance will be for A3 insurance.
  • Your stress level may be raising your rates – Did you know your insurance rates can be affected by your occupation? Jobs such as lawyers, business owners and accountants are shown to have higher rates than average because of high stress and long work hours. On the flip side, jobs such as pilots, athletes and homemakers pay the least for A3 insurance.

When should I use an insurance agent?

When buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • Are my friends covered when driving my car?
  • Can I get a multi-policy discount?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my cargo covered for damage or theft?
  • What is the difference between comprehensive and collision coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – This coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as surgery, prosthetic devices, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – This covers damage to your A3 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, damaging your car on a curb, hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Quote more, save more

Insureds switch companies for any number of reasons including poor customer service, delays in responding to claim requests, unfair underwriting practices and policy cancellation. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We covered many ideas to reduce 2006 Audi A3 insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest premiums are with the smaller companies.

Additional car insurance information is available on the following sites: