2012 Audi A3 Car Insurance Rates in 2024 – 9 Tips for Best Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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No normal person likes paying for car insurance, in particular when their premiums are through the roof.

Drivers have so many insurance companies to buy insurance from, and even though it’s nice to have a selection, more choices can make it harder to adequately compare rates.

Smart consumers take time to shop coverage around quite often because insurance prices are constantly changing. Just because you had the lowest price on A3 insurance on your last policy the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

How to buy car insurance

Many insurance companies like GEICO, State Farm and Progressive allow consumers to get pricing from their websites. Getting online quotes is easy for anyone as all you need to do is type in your required coverages into the quote form. When the form is submitted, the quote system makes automated requests for your credit score and driving record and returns a price quote. Being able to quote online makes it simple to compare prices but the process of having to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you are searching for better prices.

Compare rates the easy way

A better way to lower your car insurance bill is to use a quote form to return rates from multiple companies. It saves time, helps eliminate repetitive entry, and makes online quotes much more enjoyable and efficient. Once the form is submitted, it gets priced and you are able to buy any one of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to find out what other companies charge, simply enter your zip code here and submit the form. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. This guarantees you will have comparison quotes for similar coverage.

Do drivers who switch really save?

Companies like GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to have a common claim that drivers can save some big amount after switching your coverage to them. But how can every company charge you a lower premium? It’s all in the numbers.

Most companies quote their cheapest rates for the type of driver that makes them money. One example of a desirable risk may need to be between the ages of 30 and 50, has never had a claim, and drives less than 7,500 miles a year. Anyone that matches those criteria receives the best prices and most likely will save when they switch companies.

Potential customers who are not a match for this stringent profile will probably have to pay higher premiums and ends up with the customer not buying. If you pay attention, the ads say “people who switch” not “everyone who quotes” save the amount stated. That is how insurance companies can make it sound like they have such great premium rates. Different companies use different criteria so it is so important to compare quotes as often as possible. Because you never know which insurance company will have the lowest rate quotes.

Save money with these nine discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can drop the cost substantially. Some of these discounts will be visible at the time you complete a quote, but a few must be inquired about prior to getting the savings.

  • Accident Forgiveness Coverage – Not really a discount, but companies like GEICO, State Farm, and Progressive may permit one accident without raising rates if your claims history is clear for a set time period.
  • Professional Organizations – Being a member of certain professional organizations is a good way to get lower rates on your next renewal.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts can get savings of more than 20%.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% on A3 insurance compared to rates paid by drivers with frequent claims.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles with the same insurance company can get a discount for every vehicle.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Distant Student – Any of your kids who are attending college and do not have a car could qualify for this discount.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.

Don’t be shocked that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few companies that may have most of the discounts above include:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

When comparing rates, check with each company or agent to apply every possible discount. Depending on the company, some discounts might not apply everywhere. To find insurance companies that offer many of these discounts, enter your zip code here.

Insurance can be complex

When buying proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • What is the difference between comprehensive and collision coverage?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • I have health insurance so do I need medical payments coverage?
  • What is the ISO rating for a 2012 Audi A3?
  • Is my ex-spouse still covered by my policy?
  • What vehicles should carry emergency assistance coverage?
  • Do I have newly-acquired coverage?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like pain medications, doctor visits, dental work, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This pays for damage to your A3 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, falling objects, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Audi A3.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability coverages

This protects you from damage that occurs to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as bail bonds, medical expenses, emergency aid, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

A little work can save a LOT of money

In this article, we presented a lot of information how to shop for 2012 Audi A3 insurance online. It’s most important to understand that the more providers you compare, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising. They may have significantly lower prices on certain market segments compared to the large companies like Progressive or GEICO.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible at the best possible price, not the least amount of coverage.

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