How Much Does 2011 Audi A3 Insurance Cost?

Trying to find cheaper auto insurance rates for your Audi A3? Nobody looks forward to buying auto insurance, especially knowing they are paying too much. Since consumers have many options when it comes to auto insurance, it can be hard to choose the lowest cost provider.

It is always a good idea to check auto insurance prices periodically since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for A3 insurance a year ago you can probably find a better price now. Starting now, ignore everything you know about auto insurance because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

This information will instruct you on how car insurance quotes work. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Vehicle owners just need to know the proper way to shop online.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about prior to getting the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Paperwork-free – A few companies will give a small break for buying your policy over the internet.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for A3 insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will cut the cost of coverage.

Companies who might offer these discounts include:

Double check with each company what discounts are available to you. Some discounts may not apply in your state.

How to know if you need help

When it comes to choosing the best insurance coverage coverage, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Should I put collision coverage on all my vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • Am I covered if I wreck a rental car?
  • Can I still get insurance after a DUI?
  • Is upholstery damage covered by car insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Drivers who switch save $385 a year? Really?

Drivers can’t ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all say the same thing about savings if you switch your coverage to them.

How do they all say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the driver that makes them money. For example, a desirable insured could be between 25 and 40, has no tickets, and chooses high deductibles. Any new insured that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Consumers who fall outside these standards will be charged higher rates which leads to the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make those claims.

That is why you should get as many quotes as possible. It is impossible to predict the company that will provide you with the cheapest Audi A3 insurance rates.

Auto insurance 101

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Liability auto insurance

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass, damage from a tornado or hurricane, theft and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2011 Audi A3.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your A3 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, driving through your garage door, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Be a smart shopper

We just presented many ideas to save on 2011 Audi A3 insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a small local company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

Affordable insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Even more information is available in the articles below: