View 2013 Audi A3 Car Insurance Quotes

Looking for better auto insurance rates for your Audi A3? Paying for high-priced Audi A3 insurance can dwindle your checking account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

You should take the time to check auto insurance prices before your policy renews because prices trend upward over time. Just because you found the lowest price for A3 insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

If you are insured now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the proper way to shop over the internet.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked about prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Resident Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • One Accident Forgiven – A few companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.

Keep in mind that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

Insurance companies that may have some of the above discounts are:

Check with all companies you are considering how you can save money. Some discounts may not apply everywhere.

What coverages do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help you determine whether or not you might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my camper covered by my car insurance policy?
  • Am I missing any policy discounts?
  • What are the best liability limits?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you move your coverage to them.

How can each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the right customer that is profitable for them. For example, a desirable insured could be between 25 and 40, owns a home, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for these standards must pay a more expensive rate and this can result in business not being written. The ad wording is “people who switch” not “people who quote” save that much. That’s why companies can truthfully claim big savings.

This illustrates why it is so important to compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.

The coverage is in the details

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your A3 resulting from colliding 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 coverage pays for claims such as crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Audi A3.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Liability

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, bail bonds and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

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

Comprehensive insurance covers claims like hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

More comparisons equals lower rates

When shopping online for insurance, make sure you don’t buy poor coverage just to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

You just read many ways to shop for 2013 Audi A3 insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the biggest savings come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Much more information about insurance is located at the links below