2018 Audi S3 Car Insurance Rates – 5 Savings Tips

Consumers that are new to price shopping insurance coverage online are likely to find sourcing affordable auto insurance is nearly impossible.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Shopping for more affordable coverage can be fairly easy. Although vehicle owners can benefit from knowing how big insurance companies price online insurance because it can help you find the best coverage.

Ways to get insurance coverage price quotes

To get the cheapest auto insurance quotes, there a variety of ways to compare rate quotes from many different insurance companies. By far the easiest way to find the cheapest Audi S3 insurance rates is to use the internet to compare rates. This is very easy and can be done by using one of the methods below.

1. The fastest way to get quotes would be an industry-wide quote request form click to view form in new window. This style of form keeps you from doing separate quotes for every insurance coverage company. A single form gets coverage cost estimates from several companies.It’s the quickest way to get rates.
2. Another way to analyze rates consists of visiting each individual company website to complete a price quote. For examples sake, let’s say you want to see prices from Geico, Esurance and Progressive. To find out each rate you need to navigate to each company’s site to enter your coverage information, which is why first method is reommended.

   For a list of companies in your area, click here.

3. The hardest way of getting rate comparisons to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you have a complicated situation and need the trained advice that you can only get from talking to an agent. You can, however, comparison shop online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just be sure to compare the same coverages and limits with every price quote. If you enter higher or lower deductibles you will not be able to make a fair comparison for your Audi S3. Just slight variations in limits could throw off the whole comparison. And when quoting insurance coverage, remember that obtaining a wide range of quotes increases your odds of finding the best offered rates. Some smaller insurers to not give online quotes, so it’s important to compare quotes on coverage from those companies, too.

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Beware of misleading auto insurance ads

Companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. All the companies say the same thing about savings if you switch your coverage to them. How do they all charge lower premium rates? It’s all in the wording.

Auto insurance companies require specific criteria for the type of driver that earns them the highest profit. For example, this type of driver could be between the ages of 30 and 45, has no claims, and drives a safe vehicle. Any customer that meets those criteria will qualify for the lowest prices and will most likely save when they switch companies.

Drivers who may not quite match this ideal profile may receive a more expensive rate and the customer buying from a different company. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do. Because of this risk profiling, you absolutely need to do a rate comparison at every renewal. Because you cannot predict which auto insurance company will fit your personal profile best.

Earn discounts to get lower-cost car insurance quotes

Car insurance companies don’t always list all disounts very clearly, so the following is a list of a few of the more common and the more hidden discounts that may be available.

• Renewal Discounts – A few car insurance companies allow discounts for signing up prior to your current policy expiration. The savings is around 10%.
• Air Bags and Passive Restraints – Options like air bags or automatic seat belts could see savings of up to 25% or more.
• Own a Home and Save – Owning a home may earn you a small savings due to the fact that maintaining a home means you have a higher level of financial diligence.
• ABS Braking Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
• Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.

Please keep in mind that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

A few popular companies and a selection of discounts are:

• American Family includes discounts for accident-free, mySafetyValet, Steer into Savings, bundled insurance, good student, early bird, and multi-vehicle.
• State Farm offers premium reductions for safe vehicle, good driver, anti-theft, good student, multiple policy, Drive Safe & Save, and passive restraint.
• 21st Century offers discounts for homeowners, automatic seat belts, student driver, teen driver, air bags, driver training, and anti-lock brakes.
• Travelers offers discounts including IntelliDrive, new car, early quote, driver training, and student away at school.
• Geico has discounts for driver training, air bags, membership and employees, anti-theft, and multi-vehicle.

When quoting, ask every company which discounts you qualify for. Savings might not apply in every state. To locate companies who offer car insurance discounts, click this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help you determine if you will benefit from professional help.

• Am I covered when driving a rental car?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need added coverage for expensive stereo equipment?
• Do I have coverage when using my vehicle for my home business?
• Can I drive in Mexico and have coverage?
• If my 2018 Audi S3 is totaled, can I afford another vehicle?
• Can my teen drive my company car?
• Why am I required to buy high-risk coverage?
• Is motorclub coverage worth it?
• Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

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Insurance coverage basics

Having a good grasp of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, medical expenses, medical services, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Make a quick buck

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, delays in responding to claim requests or being labeled a high risk driver. Regardless of your reason for switching companies, finding the right insurance coverage provider is actually quite simple.

We covered some good ideas how you can lower your 2018 Audi S3 insurance prices. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest prices are with some of the smallest insurance companies.

The cheapest 2018 Audi S3 insurance is available both online and from local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not provide online price quotes and these small insurance companies work with independent insurance agencies.

Even more information can be found in these articles:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Comprehensive Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)

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