Cheaper 2016 Audi S3 Car Insurance Rates in 2024

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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 8, 2024

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Are you drained from trying to scrape together enough money to buy car insurance? You’re in the same situation as many other drivers. With people having so many choices, it can be difficult for drivers to find the right car insurance provider.

It’s smart to compare rates yearly because car insurance prices tend to go up over time. Just because you had the best deal for S3 coverage two years ago there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance online but we’re going to give you the easiest ways to reduce your car insurance bill.

This information will tell you the best way to quote coverages. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Vehicle owners just need to learn the best way to buy auto insurance online.

Cheaper insurance rates with discounts

Some providers don’t necessarily list all possible discounts in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Defensive Driver Discounts – Taking a defensive driver class may get you a small discount depending on where you live.
  • Homeowners Discount – Owning a house may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
  • Government Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage for S3 coverage depending on your company.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • No Claims – Claim-free drivers pay less when compared to frequent claim filers.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of 25 to 30%.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper due to better safety requirements for newer models.
  • Multiple Policy Discount – When you combine your auto and home insurance and place coverage with the same company you may earn 10% to 20% off each policy.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

A few of the larger companies and the discounts they provide can be read below.

  • State Farm may have discounts that include multiple autos, accident-free, defensive driving training, Steer Clear safe driver discount, passive restraint, and student away at school.
  • GEICO offers premium reductions for air bags, anti-theft, anti-lock brakes, driver training, military active duty, multi-policy, and federal employee.
  • SAFECO offers discounts including multi-car, anti-lock brakes, homeowner, accident prevention training, and safe driver.
  • Farmers Insurance includes discounts for multi-car, distant student, alternative fuel, electronic funds transfer, and good student.
  • AAA may offer discounts for multi-car, education and occupation, AAA membership discount, anti-theft, and multi-policy.
  • USAA has savings for multi-policy, safe driver, multi-vehicle, defensive driver, vehicle storage, and family discount.

When quoting, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies everywhere.

Get cheaper insurance prices by understanding these factors

Lots of factors are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious like your continuous coverage or how safe your car is. Part of the insurance coverage buying process is learning the different types of things that come into play when calculating your premiums. If you understand what controls the rates you pay, this enables you to make decisions that can help you get better insurance coverage rates.

  • Don’t get traffic citations – Having a clean driving record influences premium rates substantially. Drivers who don’t get tickets get better rates as compared to those with violations. Even a single speeding ticket may cause rates to rise forty percent or more. Drivers unfortunate enough to have flagrant violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to continue driving.
  • Safety first – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.
  • An active insurance claims history can increase rates – Insurance companies award the lowest premiums to policyholders that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Are men or women drivers cheaper? – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Both sexes are responsible for auto accidents in similar numbers, but the males have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • Can I afford low physical damage deductibles?
  • How does medical payments coverage work?
  • How much underlying liability do I need for an umbrella policy?
  • Am I getting all the discounts available?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving in Canada or Mexico?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the ISO rating for a 2016 Audi S3?
  • Why do I need rental car insurance?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and may give you better protection.

Car insurance specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your S3 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability

Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, loss of income and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi S3.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, dental work and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, fire damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t break the bank

Cheaper auto insurance is definitely available on the web and with local insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and many times these regional carriers only sell through independent agencies.

When getting insurance coverage quotes online, make sure you don’t reduce coverage to reduce premium. Too many times, an insured dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at an affordable rate.

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