2010 Audi A3 Insurance Rates – 10 Ideas for Cheaper Quotes

Trying to find lower insurance coverage rates? Buyers have a choice when searching for the lowest priced Audi A3 insurance. They can either spend hours calling around getting price quotes or use the internet to make rate comparisons. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to compare rates for a new or used Audi and find the lowest price from both online companies and local agents.

Consumers should take time to do rate comparisons periodically since insurance rates are constantly changing. Even if you got the best price on A3 coverage two years ago a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage online but I’m going to show you some great ways to reduce your insurance coverage bill.

How to Compare Insurance Coverage Costs

All major insurance coverage companies give pricing online. Obtaining pricing is quite easy as you just type in your personal and coverage information as detailed in the form. Upon sending the form, their rating system requests reports for credit and driving violations and returns pricing information determined by many factors.

Online quotes simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to get the best price possible.

The easiest way to lower your insurance coverage bill makes use of a single form to obtain quotes from more than one company. It saves time, requires much less work on your part, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you can select any one of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To compare rates using this form now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you replicate coverages and limits exactly as shown on your declarations page. This way, you will be getting rate quotes based on identical coverages.

Discounts are great for lower rates

Companies don’t always list all available discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find ways to save on insurance. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Student in College – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on A3 coverage than their less cautious counterparts.
  • Paperless Signup – A few companies give back up to $50 for buying your policy over the internet.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.

It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies who might offer these benefits are:

Before buying, ask each company how you can save money. Savings may not be available in your area.

You may need specialized coverage

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • How do I buy GAP insurance?
  • Will filing a claim cost me more?
  • Does my insurance cover my expensive audio equipment?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my 2010 Audi A3?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Insurance coverage ads bend the truth

Consumers can’t get away from ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the ads have a common claim about savings after switching to their company.

How does each company make the same claim?

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet these standards will be charged higher premiums and ends up with business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s the way companies can claim big savings. That is why it is so important to get as many comparisons as possible. You cannot predict which insurance companies will fit your personal profile best.

Auto insurance 101

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical services, pain and suffering, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, hitting a deer, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like hospital visits, dental work and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your A3 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, colliding with another moving 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. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi A3.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Be a smart shopper

Affordable 2010 Audi A3 insurance can be found from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Drivers leave their current company for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, delays in paying claims and high prices. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, do not reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

Additional car insurance information is located at the links below