How Much Does 2019 Audi S3 Insurance Cost in 2024?

Wish you could get out of overpriced car insurance? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute best price available.

Compare car insurance quotes

When shopping for the cheapest auto insurance quotes, there are a couple of ways to compare quotes from many different insurance companies. The simplest method to find competitive Audi S3 insurance rates involves getting comparison quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

• The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form. This form eliminates the need for separate quotation requests for every company. One quote request will return quotes from all major companies.
• A harder way to analyze rates consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare prices for Liberty Mutual, Progressive and Farmers. You would need to navigate to each company’s site and repeatedly enter your information, which is not fast way to get rate quotes.
• The old school method to quote and compare insurance rates is going to insurance agents’ offices. The internet reduces the need to sit down with an agent unless you require the personal advice of a local agent. It is possible to obtain prices from the web and get advice from an agent in your area.

It’s your choice how you get your quotes, but ensure you’re using nearly identical quote data with each company. If the quotes have mixed coverages you can’t possibly truly determine the lowest rate. Just a small difference in coverage limits may cause a big price difference. It’s important to know that comparing a wide range of rates helps improve the odds of finding the best price.

Be skeptical of insurance ads

Big name companies like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all convey the message about savings if you change your coverage. How is it possible that every company can cost less than your current company? Here is how they do it.

All the different companies have an ideal profile for the type of driver that makes them money. An example of a desirable insured could be over age 30, carries full coverage, and the vehicle is rated for pleasure use. Any driver that hits that “sweet spot” will qualify for the lowest prices and will save if they switch.

Consumers who are not a match for these standards may be forced to pay higher rates which leads to the customer buying from someone else. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save that much. That’s why companies can truthfully make those statements.

That is why you absolutely need to get as many free auto insurance quotes as possible. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Why your insurance prices might be higher

A large part of saving on car insurance is knowing some of the things that are used to determine your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that could result in cheaper rates.

• Drivers with responsible credit save – Credit rating is likely to be a major factor in determining what you pay. If your credit history is lower than you’d like, you could save money insuring your 2019 Audi S3 by taking the time to improve your credit score. People that have high credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.
• Limits of liability protection – Liability insurance will afford coverage in the event that you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not skimp.
• Combine policies and save – Most larger companies afford better rates to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, you may still want to compare other insurance prices to help ensure you have the lowest rates.
• Deter vehicle theft – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.
• The more you drive the more you pay – The more miles you rack up on your Audi each year the more it will cost to insure it. A lot of insurance companies apply a rate based upon how much you drive. Cars that have low annual miles qualify for better rates compared to those used for work or business. It’s always a good idea to double check that your declarations sheet shows the correct driver usage, because it can save money. An improperly rated S3 may be costing you.
• Reduce premiums by driving safer cars – Vehicles that have high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and reduced instances of injuries means less claims paid passed on to you as lower rates. If the Audi S3 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Cut your insurance rates with discounts

Not too many consumers would say insurance is affordable, but you can get discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit.

• No Charge for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before raising your premiums so long as you are claim-free prior to the accident.
• Discount for Switching Early – Select companies give a discount for renewing your policy prior to your current policy expiring. This can save 10% or more.
• Claim Free – Insureds with no claims or accidents can save substantially when compared with insureds who have frequent claims or accidents.
• Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
• Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you could save as much as 10 to 15 percent.

As a sidenote, some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount should help reduce your overall premium however.

The best insurance companies and the discounts they provide can be read below.

• State Farm has discounts for safe vehicle, Drive Safe & Save, passive restraint, multiple autos, accident-free, anti-theft, and Steer Clear safe driver discount.
• Nationwide may include discounts for good student, accident-free, multi-policy, easy pay, and anti-theft.
• GEICO offers discounts for seat belt use, defensive driver, military active duty, five-year accident-free, and multi-vehicle.
• AAA offers discounts including pay-in-full, education and occupation, good driver, AAA membership discount, multi-car, and multi-policy.
• 21st Century discounts include teen driver, air bags, anti-lock brakes, homeowners, and 55 and older.
• The Hartford includes discounts for vehicle fuel type, air bag, good student, defensive driver, driver training, and bundle.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts they offer. Some discounts listed above might not apply in your area.

You are unique and your insurance coverage should be too

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Should I drop comprehensive coverage on older vehicles?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered by my spouse’s policy after a separation?
• Is my nanny covered when driving my vehicle?
• Are rental cars covered under my policy?
• What is roadside assistance coverage?
• Do I have coverage for damage caused while driving under the influence?
• When should I remove comp and collision on my 2019 Audi S3?

If you can’t answer these questions but one or more may 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.

Parts of your auto insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Audi S3.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for ambulance fees, hospital visits and surgery. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Cheaper 2019 Audi S3 insurance can be sourced both online and from local agencies, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who don’t offer price quotes online and usually these small insurance companies only sell through independent agents.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

In this article, we presented some good ideas how you can reduce 2019 Audi S3 insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers may even find the lowest prices are with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.