Save on 2007 Audi A3 Car Insurance Rates

Want the cheapest car insurance rates for your Audi A3? Finding lower rates for car insurance can be nearly impossible for consumers new to comparison shopping online. You have so many options that it can easily become a challenge to locate the lowest price.

Smart consumers take time to do rate comparisons at least once a year because rates tend to go up over time. If you had the lowest rates for A3 insurance last year there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you how to quote online to find lower rates on car insurance.

The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using this information. But car owners must understand the way insurance companies determine prices because it can help you find the best coverage.

Why your Audi A3 might be costing you more

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into your rates.

  • An active claims history can cost you – If you tend to file frequent claims, you can expect higher rates. Companies give discounts to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t skimp on liability – Liability coverage is the protection when you are found liable for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, architects and accountants are shown to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, occupations such as farmers, athletes and performers pay the least for A3 insurance.
  • Don’t get talked into coverage you don’t need – There are quite a few add-on coverages that can waste your money when buying auto insurance. Coverages for roadside assistance, accident forgiveness and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Clean credit earns discounts – Your credit history is a large factor in your rate calculation. If your credit history is not that good, you could potentially save money when insuring your 2007 Audi A3 by improving your credit score. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores.
  • Where you live can impact rates – Residing in a rural area can be a good thing when buying auto insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer people means a lower chance of having an accident.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but some must be asked about in order for you to get them.

  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for A3 insurance than drivers with accidents.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • Sign Online – Some insurance companies will give a small break simply for signing over the internet.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.

Consumers should know that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will cut the cost of coverage.

A partial list of companies who might offer these benefits may include but are not limited to:

Check with all companies you are considering how you can save money. Some discounts might not apply in your state.

Don’t assume everyone needs the same coverage

When buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • When would I need additional glass coverage?
  • When does my teenage driver need to be added to my policy?
  • I have a DUI can I still get coverage?
  • Is my 2007 Audi A3 covered for flood damage?
  • Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage – This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2007 Audi A3.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, rehabilitation expenses, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your A3 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Smart shoppers get results

Low-cost 2007 Audi A3 insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, policy cancellation, high prices or denial of a claim. It doesn’t matter what your reason, switching insurance coverage companies is not as hard as you think.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest price.

More information