2013 Audi A3 Insurance Rates – 10 Tips for Cheaper Quotes

Finding lower rates for insurance coverage is nearly impossible for consumers new to buying insurance online. People have so many companies to choose from that it can turn into a lot of work to compare prices.

These ten discounts can slash insurance coverage rates

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some must be manually applied prior to receiving the credit.

  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Club Memberships – Participating in a professional or civic organization could trigger savings on insurance coverage on A3 coverage.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home shows financial diligence.

Keep in mind that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut your overall premium however.

To see a list of providers offering insurance coverage discounts, click here.

The method we recommend to get rate comparisons takes advantage of the fact almost all companies have advanced systems to give free rates quotes. All you need to do is spend a couple of minutes providing details like the year, make and model of vehicles, whether you are single or married, how much school you completed, and if it has an alarm system. The data is instantly submitted to insurance carriers in your area and they return rate quotes instantly to find the best rate.

When might I need the advice of an agent?

When buying the best insurance coverage coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation would benefit from professional advice.

  • How does medical payments coverage work?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my trailer covered?
  • Is my dog or cat covered if injured in an accident?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Insurance coverage options for an Audi A3

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi A3.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for pain medications, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

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

Comprehensive insurance covers things like falling objects, theft and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This can cover damage that occurs to a person or their property. 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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, medical expenses, emergency aid and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverage

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

Collision can pay for things such as driving through your garage door, crashing into a building, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Compare but don’t skimp

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured cut physical damage coverage and learned later they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to save on 2013 Audi A3 insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Discount insurance is available on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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