2016 Audi A3 Sportback e-tron Car Insurance Cost – 9 Tricks for Cheaper Prices

Paying for high-priced Audi A3 Sportback e-tron insurance can drain your savings and force you to tighten up your finances. Comparing cost estimates is a great way to make sure you’re not throwing money away.

Online insurance companies like Geico and Progressive continually bombard you with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

It’s a great practice to do price comparisons before your next renewal because insurance prices trend upward over time. If you had the best rates for A3 Sportback e-tron insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to buy cheaper insurance.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Buying car insurance is easy if you know what you’re doing. Nevertheless, vehicle owners must understand how big insurance companies price insurance differently and use this information to your advantage.

The fastest way that we advise to compare rate quotes utilizes the fact most insurance companies will pay a fee to give free rates quotes. The one thing you need to do is spend a couple of minutes providing details like deductibles desired, your general credit rating, if you require a SR-22, and if you went to college. Your rating data is instantly submitted to many of the top insurers and they return cost estimate with very little delay.

To compare multiple company rates now, click here and enter your zip code.

Cheaper rates with these nine discounts

Some providers do not list every disount available in a way that’s easy to find, so the list below details both well-publicized in addition to some of the lesser obvious credits that may apply to you.

• Good Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for A3 Sportback e-tron insurance as compared to drivers with claims.
• Discount for Life Insurance – Some insurance carriers give lower rates if you buy a life insurance policy as well.
• Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
• Good Grades Discount – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• Switch and Save Discount – Some companies reward drivers for signing up before your current policy expires. You could save around 10% when you buy insurance coverage online.
• Accident Free – Drivers who stay claim-free get the best insurance rates in comparison to policyholders that have many claims.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
• Mature Driver Discount – Drivers that qualify as senior citizens can get reduced rates for A3 Sportback e-tron insurance.
• Seat Belts Save – Requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will definitely reduce your policy premiums.

The best insurance companies and a selection of discounts are:

• Geico may have discounts that include military active duty, membership and employees, air bags, anti-lock brakes, daytime running lights, and driver training.
• Travelers may offer discounts for hybrid/electric vehicle, early quote, save driver, student away at school, and home ownership.
• Farm Bureau offers premium reductions for safe driver, renewal discount, youthful driver, 55 and retired, and multi-policy.
• Liberty Mutual offers discounts including good student, new graduate, hybrid vehicle, exclusive group savings, newly married, multi-car, and multi-policy.
• American Family may include discounts for accident-free, bundled insurance, good student, mySafetyValet, early bird, air bags, and multi-vehicle.
• Progressive offers discounts for good student, online quote discount, online signing, multi-policy, continuous coverage, and multi-vehicle.

Before buying, ask all the companies how you can save money. Some credits may not apply everywhere. To see insurers that offer the discounts shown above, click here to view.

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Insurance can be complex

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine whether or not you might need an agent’s assistance.

• Do I need PIP coverage since I have good health insurance?
• Do I pay less for low miles?
• How can I force my company to pay a claim?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered if my car is in a flood?
• Should I have combined single limit or split liability limits?
• Is my cargo covered for damage or theft?
• Can I rent a car in Mexico?
• Should I buy full coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Advertising and car insurance

Car insurance providers like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies make an identical promise about savings after switching to them. It sounds good, but how can they all give you a better price? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that will add to their bottom line. For example, a profitable risk profile may need to be over the age of 40, has a clean driving record, and drives newer vehicles. A driver that fits those parameters will get low prices and as a result will probably save money with a new company.

Potential customers who are not a match for these standards will probably be forced to pay a higher rate and this can result in business not being written. The ads state “drivers that switch” not “all people who quote” save money. That’s the way insurance companies can confidently make claims that they all have the best auto insurance rates. This illustrates why you really need to get a wide range of price quotes. It’s impossible to know the company that will give you lower rates than your current company.

Insurance coverage considerations

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Auto collision coverage

Collision coverage pays for damage to your A3 Sportback e-tron caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for EMT expenses, dental work, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from a tornado or hurricane and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, funeral expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

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The best insurance company isn’t always the cheapest

When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped physical damage coverage and learned later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best cost, but do not skimp to save money.

You just read a lot of tips how to shop for 2016 Audi A3 Sportback e-tron insurance online. The most important thing to understand is the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Other resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Credit and Insurance Scores (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Neck Injury FAQ (iihs.org)

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