How Much Does 2017 Audi A3 Car Insurance Cost?

Trying to find better insurance coverage rates for your Audi A3? Paying for expensive Audi A3 insurance can stress out your family’s budget and make it impossible to make ends meet. Performing a price comparison is an excellent way to ensure you are getting the best deal.

There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, more options can take longer to find a good deal.

You need to quote other rates once or twice a year because insurance prices change frequently. Even if you think you had the lowest rate for A3 insurance six months ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance coverage because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

Find hidden discounts to get affordable insurance rates

Car insurance companies don’t always advertise all disounts very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount possible, you could be saving more on your insurance.

  • Clubs and Organizations – Belonging to certain professional organizations could earn you a nice discount on your next renewal.
  • Defensive Driver Discounts – Successfully completing a defensive driving class is a good idea and can lower rates depending on where you live.
  • Renewal Discounts – Some insurance companies reward drivers for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Telematics Data – Insureds who allow driving data submission to spy on their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large insurance companies and the discounts they provide are included below.

  • State Farm offers discounts including defensive driving training, Drive Safe & Save, driver’s education, passive restraint, and good student.
  • Farmers Insurance offers discounts for mature driver, distant student, bundle discounts, switch companies, teen driver, homeowner, and youthful driver.
  • GEICO includes discounts for membership and employees, anti-lock brakes, air bags, five-year accident-free, multi-policy, and defensive driver.
  • American Family may have discounts that include good driver, mySafetyValet, Steer into Savings, bundled insurance, and accident-free.
  • Nationwide policyholders can earn discounts including accident-free, Farm Bureau membership, multi-policy, good student, family plan, anti-theft, and defensive driving.
  • Progressive has discounts for continuous coverage, multi-vehicle, online quote discount, homeowner, and multi-policy.

If you are trying to find affordable insurance coverage quotes, ask every insurance company to give you their best rates. Some discounts listed above may not apply to policies in your area. To choose providers that can offer you the previously mentioned discounts, click here.

What impacts Audi A3 insurance rates?

Consumers need to have an understanding of some of the things that are used to determine your auto insurance rates. When consumers understand what controls the rates you pay, this helps enable you to make changes that can earn you big savings.

Listed below are a partial list of the pieces used by companies to determine your rates.

  • More stress means more cost – Occupations like military personnel, executives and emergency personnel generally have higher premiums than the average policyholder due to job stress and extremely grueling work hours. On the other hand, occupations such as scientists, engineers and retirees have lower than average premiums for A3 insurance.
  • When should you not file a insurance claims? – If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies generally give cheaper rates to insureds who file claims infrequently. Insurance coverage is intended for more catestrophic claims.
  • Lower prices with alarm systems – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
  • Avoid unnecessary add-on coverages – There are quite a few extra bells and whistles that may not really be needed on your 2017 A3 policy. Add-on coverages like replacement cost coverage, death and dismemberment, and extra life insurance coverage could be just wasting money. The coverages may be enticing when discussing your needs, but if they’re wasting money remove them and pocket the money.
  • Rural areas have lower prices – Choosing to live in a small town can save you money when buying auto insurance. People in densly populated areas have congested traffic and more time behind the wheel. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • Lower rates for vehicles with better crash test results – Cars with five star safety ratings get lower rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts which can mean better rates for you. If the Audi A3 scored better than four stars on it may cost less to insure.
  • Don’t skimp on liability coverage – The liability section of your policy will protect you if ever you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can be incredibly expensive. It is affordable coverage compared to comp and collision, so do not skimp.
  • Your credit rating is important – An insured’s credit score can be an important factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible and file fewer claims than those with lower credit scores. Therefore, if your credit leaves room for improvement, you could save money insuring your 2017 Audi A3 by repairing your credit.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you will benefit from professional help.

  • When should my teen driver be added to my policy?
  • Am I covered if my car is in a flood?
  • Should I bundle my homeowners policy with my auto?
  • Why does it cost so much to insure a teen driver?
  • If my 2017 Audi A3 is totaled, can I afford another vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • I have a DUI can I still get coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specific coverages for a 2017 Audi A3

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications, rehabilitation expenses, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your A3 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox, colliding with a tree, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability – This provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, emergency aid, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, fire damage, hail damage, damage from a tornado or hurricane and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Make a quick buck

When searching for inexpensive insurance coverage quotes, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

We covered a lot of information how to save on 2017 Audi A3 insurance. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. These smaller insurers often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

More affordable auto insurance can be sourced on the web as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

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