Compare 2006 Audi A3 Car Insurance Cost

Want better insurance rates for your Audi A3? Overpriced Audi A3 insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is a great way to make sure you’re not throwing money away.

Companies like State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

It’s a good idea to take a look at other company’s rates every six months due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates on A3 insurance two years ago you can probably find a lower rate today. There is a lot of wrong information about insurance online but by reading this article, you’re going to learn some excellent ideas to buy insurance cheaper.

If you are paying for car insurance now, you will be able to save some money using these methods. Finding the best rates is not rocket science. Nevertheless, car owners can benefit from knowing how companies market insurance on the web.

Audi A3 rates influenced by many factors

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance coverage prices.

  • Don’t cancel a policy without a new one in place – Driving without insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Tickets mean higher rates – Even one moving violation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If the Audi A3 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • You might want pay the small claims yourself – Companies generally give better rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
  • Consolidate policies to earn discounts – Most insurance coverage companies provide better rates to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women cause accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Older drivers save more – Young drivers are statistically proven to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.

The quickest method to compare car insurance rates is to realize most of the larger companies participate in a system to quote your coverage. All consumers are required to do is provide details such as what you do for a living, the ages of drivers, the make and model of your vehicles, and how much coverage you want. That information gets transmitted to multiple different insurance companies and you will get price comparisons quickly.

To start a quote now, click here and enter your coverage details.

These discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you get a quote, but a few need to be specially asked for before you will receive the discount.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for reduced rates on A3 insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on A3 insurance than drivers with accidents.
  • College Student – Children who live away from home and do not have a car can receive lower rates.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

Insurance companies that may offer some of the above discounts are:

Double check with each company which discounts you may be entitled to. Discounts may not apply in your area.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if you would benefit from professional advice.

  • Is motorclub coverage worth it?
  • If my 2006 Audi A3 is totaled, can I afford another vehicle?
  • Which is better, split liability limits or combined limits?
  • Do I really need UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • Why do I only qualify for high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages explained

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, X-ray expenses, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi A3.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive insurance

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

Comprehensive coverage pays for things like hail damage, damage from a tornado or hurricane, hitting a deer, rock chips in glass and damage from getting keyed. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, medical expenses, loss of income, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

This pays for damage to your A3 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Shop Smart and Save

Throughout this article, we presented many tips how you can save on 2006 Audi A3 insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from some of the smallest insurance companies. They may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Cheap insurance is possible both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed car insurance information can be read at these sites: