Nobody that owns a car looks forward to buying car insurance, especially knowing they could get a better deal.
Many insurance companies compete for your business, and because of this it can be hard to compare car insurance companies and get the definite lowest rate
It’s a good habit to compare premium rates before your policy renews since insurance prices fluctuate regularly. Just because you found the best price for A3 insurance last year there is a good chance you can find better rates now. You’ll find a ton of advice on car insurance online but we’re going to give you some of the best techniques to find cheap car insurance.
The easiest way to compare car insurance rates is to realize most of the larger companies will pay a fee to give free rates quotes. All you need to do is provide a small amount of information like if you require a SR-22, if it has an anti-theft system, if you have an active license, and how your vehicles are used. The data is then submitted to multiple companies and they return rate quotes instantly.
To compare rates for your 2018 Audi A3 now, click here and enter the information requested.
When choosing the right insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation could use an agent’s help.
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.
Collision coverage protection
This coverage covers damage to your A3 from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for EMT expenses, surgery, doctor visits and funeral costs. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. It does not cover 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. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things such as legal defense fees, funeral expenses, repair bills for other people’s vehicles, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A3.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.