2011 Audi A3 Insurance Rates – 5 Tips for Best Quotes

Trying to find cheaper insurance rates for your Audi A3? If price shopping car insurance quotes online is new to you, you may be overwhelmed thanks to the huge assortment insurance agents and companies offering insurance.

Consumers need to compare prices occasionally because insurance prices trend upward over time. Just because you found the lowest price on A3 coverage a year ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re going to learn the proper way to lower your annual insurance bill.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. But vehicle owners must learn how companies determine prices.

How to find the cheapest car insurance

To find the best car insurance rates, there are several ways of comparing rate quotes from many different insurance companies. The best way to find the cheapest 2011 Audi A3 insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method prevents you from having to do a different quote for each company. Filling out one form gets prices estimates from many national carriers. This is by far the quickest method.

A harder way to get comparison quotes is going to each company website and request a quote. For instance, we’ll assume you are doing a rate comparison from Farmers, Esurance and Allstate. In order to get each rate, you would have to take the time to go to each site and type in your information over and over, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using nearly identical coverage limits and deductibles for every quote you compare. If your comparisons have different values for each quote it will be impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just remember that quoting more provides better odds of finding a lower rate than you’re paying now.

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Is there truth in advertising?

Popular auto insurance providers such as 21st Century, Allstate and State Farm continually stream television, radio, and online ads. All the ads convey the message about saving some big amount if you switch to them. How does every auto insurance company cost less than your current company? Here is the trick they use.

All the different companies have underwriting criteria for the type of driver that will add to their bottom line. One example of a desirable insured should be over age 30, owns their home, and has excellent credit. Any driver that hits that “sweet spot” receive the lowest rate quotes and as a result will probably save quite a bit of money when switching.

Drivers who cannot meet those criteria may be forced to pay a more expensive rate which translates to the prospect going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much. That is how companies can truthfully state the savings. This really emphasizes why drivers must do a quote comparison often. Because you cannot predict with any certainty which company will have the best rates for your profile.

These five discounts can lower your auto insurance rates

Auto insurance companies don’t always advertise every disount available very well, so the below list has some of the best known and the harder-to-find savings tricks you should be using when you buy car insurance online.

• ABS Brakes – Vehicles equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
• Seat Belts Save – Drivers who require all occupants to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Senior Citizen Discount – If you qualify as a senior citizen, you may receive reduced rates on A3 coverage.
• Passive Restraint Discount – Factory options such as air bags or motorized seat belts can receive discounts as much as 30%.
• Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.

Remember that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that you could get a free auto insurance policy, it doesn’t quite work that way.

Popular auto insurance companies and a selection of discounts are shown below.

• State Farm has savings for driver’s education, good driver, defensive driving training, Drive Safe & Save, safe vehicle, passive restraint, and accident-free.
• American Family may offer discounts for multi-vehicle, bundled insurance, mySafetyValet, good student, and good driver.
• Geico has discounts for military active duty, driver training, emergency military deployment, defensive driver, membership and employees, and multi-vehicle.
• 21st Century offers discounts for good student, theft prevention, driver training, early bird, and 55 and older.
• Progressive may have discounts that include online quote discount, multi-policy, continuous coverage, homeowner, good student, and multi-vehicle.

Before purchasing a policy, check with every insurance company which credits you are entitled to. All car insurance discounts may not be available in your area.

Different people need different car insurance coverages

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can aid in determining if your situation may require specific advice.

• What can I do if my company won’t pay a claim?
• Does my insurance cover my expensive audio equipment?
• Is my trailer covered?
• Do I have coverage when making deliveries for my home business?
• Will filing a claim cost me more?
• Do I need medical payments coverage since I have good health insurance?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

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Car insurance coverages for an Audi A3

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding, a tree branch falling on your vehicle, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your A3 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as pain medications, X-ray expenses, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $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.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, legal defense fees, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Audi A3.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

The best insurance company isn’t always the cheapest

Consumers leave their current company for any number of reasons including high prices, poor customer service, extreme rates for teen drivers or being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company is easier than you think.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut full coverage only to discover later that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Throughout this article, we presented some good ideas how to reduce 2011 Audi A3 insurance prices online. The key concept to understand is the more you quote car insurance, the higher your chance of finding low cost car insurance. You may even find the lowest priced auto insurance comes from the smaller companies.

Much more information about auto insurance can be read below:

• Auto Insurance Learning Center (State Farm)
• What is Full Coverage? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Determing Auto Insurance Rates (Geico)
• Understanding Car Crashes Video (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)

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