Lower Your 2018 Audi A3 Car Insurance Quotes 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 7, 2024

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Comparing and finding low cost prices for Driversinsurance coverage is always difficult for drivers not familiar with shopping for insurance online. Because there are so many insurers available, it can be a challenge to find a more affordable company.

You should make it a habit to do price comparisons as often as possible due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the best premium rates on A3 coverage last year the chances are good that you can find a lower price today. Ignore everything you know about insurance coverage because we’re going to show you one of the best ways to properly buy coverages and cut your premium.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Nevertheless, drivers should learn how the larger insurance companies market on the web and use this information to your advantage.

The fastest way that we advise to get rate comparisons is to realize most of the bigger providers pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is give them some information like the make and model of your vehicles, your credit rating estimate, distance driven, and whether or not you need a SR-22. That information gets sent immediately to multiple different insurance companies and they return quotes immediately.

Affordable insurance quotes with discounts

Not many people think insurance is cheap, but there may be some discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Early Switch Discount – A few insurance companies allow discounts for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
  • Low Mileage – Low mileage vehicles can earn slightly better insurance rates than normal.
  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on A3 coverage with certain companies.
  • Smart Student Discounts – Being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you until age 25.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with the same company you could earn a discount of at least 10% off all policies.
  • Professional Organizations – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Paperless Signup – Some of the larger companies give back up to $50 for buying your policy over the internet.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy could earn a price break for each car.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.

As a footnote on discounts, most discount credits are not given to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will help lower the amount you have to pay.

Larger insurance companies and their offered discounts are:

  • GEICO offers discounts for daytime running lights, membership and employees, anti-lock brakes, seat belt use, military active duty, and federal employee.
  • USAA discounts include military installation, safe driver, defensive driver, good student, multi-policy, and vehicle storage.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, online quote discount, good student, and homeowner.
  • American Family has savings for bundled insurance, Steer into Savings, multi-vehicle, TimeAway discount, air bags, defensive driver, and accident-free.
  • Esurance may have discounts that include good driver, multi-car, online shopper, online quote, anti-theft, and Pac-12 alumni.
  • Farmers Insurance includes discounts for alternative fuel, bundle discounts, business and professional, youthful driver, switch companies, good student, and teen driver.
  • State Farm may include discounts for multiple autos, good student, Steer Clear safe driver discount, anti-theft, defensive driving training, student away at school, and good driver.

If you want inexpensive insurance coverage quotes, ask each company or agent to apply every possible discount. A few discounts may not be offered everywhere. If you would like to choose from a list of insurers who offer online insurance quotes, enter your zip code here.

Get cheaper insurance costs by understanding these factors

A large part of saving on auto insurance is knowing a few of the rating criteria that aid in calculating your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that will entitle you to lower auto insurance prices.

The items below are some of the items used by companies to determine your rate level.

  • Low stress job equals lower premiums – Jobs such as lawyers, police officers and dentists are shown to have higher rates than the rest of us attributed to intense work situations and long work days. On the flip side, jobs like professors, athletes and homemakers pay the least on A3 coverage.
  • Single drivers may pay more – Getting married may save some money compared to being single. Marriage means you’re less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Advanced alarms and GPS tracking – Owning a car with an alarm system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.
  • High physical damage deductibles reduce prices – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Audi. Some coverage claims are a windshield shattered by a rock, flood damage, or theft. Comp and collision deductibles are how much you are willing to pay before a claim is paid by your company. The more of the claim you have to pay, the lower your rates will be on A3 coverage.
  • Add-on coverages that aren’t used – Policies have additional coverages that can add up but may not be useful. Things like rental car reimbursement, accident forgiveness, and extra equipment coverage are some examples. The coverages may be enticing initially, but now you might not need them so get rid of them and save.
  • Premiums drop with age – Beginning drivers have a tendency to be inattentive and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. Older insureds are more responsible, cost insurance companies less in claims .

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if you may require specific advice.

  • Do all my vehicles need collision coverage?
  • When should I buy a commercial auto policy?
  • Is my 2018 Audi A3 covered for flood damage?
  • Am I covered if I break a side mirror?
  • Can my teen drive my company car?
  • Is extra glass coverage worth it?

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

Drivers who switch save $439 a year? Really?

Big name companies like State Farm and Allstate seem to constantly run television, radio, and online ads. They all seem to advertise claims that you’ll save big just by moving to their company. How does every company make the same claim?

Insurance providers have strict underwriting profiles for the type of driver that earns them the highest profit. One example of a desirable risk could be between the ages of 40 and 55, has a clear driving record, and does not commute to work. Any driver who matches those parameters will get low prices and will most likely save money with a new company.

Potential insureds who don’t meet those standards will probably be forced to pay higher rates which translates to the customer not buying. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can confidently claim big savings. This really drives home the point why it is so important to get insurance coverage quotes as often as possible. You cannot predict which company will have the lowest premium rates for your situation.

Parts of your car insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as pain medications, hospital visits, EMT expenses, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2018 Audi A3.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

This coverage pays for damage to your A3 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, hitting a mailbox, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from flooding, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance can cover damage that occurs to other people or property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Make a quick buck

We just showed you quite a bit of information on how to lower your 2018 Audi A3 insurance rates. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. You may even discover the best rates are with a small mutual company.

When searching for affordable insurance coverage quotes, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped full coverage only to discover later that it was a big mistake. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Drivers change insurance companies for any number of reasons including high prices, an unsatisfactory settlement offer, delays in responding to claim requests and even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

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