Save on 2009 Audi A3 Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you’re not alone. Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute lowest rate

It’s smart to price shop coverage yearly because prices are variable and change quite frequently. Just because you had the best rates on A3 insurance last year the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the best ways to lower your rates without sacrificing coverage.

If you are insured now or need new coverage, you can use these tips to get lower rates and still get good coverage. Finding the best rates is not that difficult. Drivers just need to learn how to compare price quotes online.

Cut your auto insurance rates with discounts

Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but some must be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on A3 insurance.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance on A3 insurance.
  • Drive Less and Save – Keeping the miles down on your Audi could qualify for better rates on cars that stay parked.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • One Accident Forgiven – Some insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

Car insurance companies that may have these benefits are:

Before buying, ask each company what discounts are available to you. Discounts might not apply in your state.

Why your Audi A3 insurance rates may be high

An important part of buying insurance is that you know some of the elements that help determine your insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with better insurance rates.

The following are some of the items that factor into rates.

  • Do you know you’re credit rating? – Credit rating is a large factor in determining your rates. People with good credit tend to be more responsible than those with lower credit ratings. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your 2009 Audi A3 by repairing your credit.
  • Traffic violations increase rates – Careful drivers get better rates than people who have multiple driving citations. Just one moving violation can boost insurance rates twenty percent or more. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Extra coverages can waste money – There are a ton of add-on coverages that you can get tricked into buying on your A3 policy. Coverages for rental car reimbursement, accidental death and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Car features impact rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

You are unique and your insurance coverage should be too

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if you might need professional guidance.

  • Is my teenager covered with friends in the car?
  • How can I get high-risk coverage after a DUI?
  • Does having multiple vehicles earn me a discount?
  • Is a new car covered when I drive it off the dealer lot?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when using my vehicle for my home business?
  • Is my cargo covered for damage or theft?
  • Why am I required to buy high-risk coverage?

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, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Buyer beware of insurance coverage advertising tricks

Drivers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and Geico. All the companies make an identical promise of big savings if you switch your policy.

How does each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no prior claims, and has a short commute. A customer who meets those qualifications will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside these standards will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that kind of money. That’s the way companies can advertise the way they do.

Because of the profiling, drivers must quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings on Audi A3 insurance.

Auto insurance 101

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays for damage to your A3 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, hitting a bird, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, doctor visits, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

We covered a lot of information how to get a better price on 2009 Audi A3 insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Geico and State Farm.

When shopping online for insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Helpful resources