Lower Your 2015 Audi Q3 Insurance Quotes

No one looks forward to paying for insurance, especially knowing the price is too high. Multiple insurers compete for your business, so it’s not easy to compare every provider and get the best coverage at the best rate

It’s important to shop coverage around occasionally because rates are variable and change quite frequently. Just because you found the best price for Q3 coverage six months ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

How to Compare Auto Insurance Costs

Reducing your 2015 Audi Q3 insurance rates can be quick and easy. All that’s required is to spend a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to find low rates is a comparison rater form click to view form in new window. This method eliminates the need for separate quote forms for each company. One form submission compares rates from many national carriers.

A harder way to compare prices requires a trip to the website of each company to complete a price quote. For instance, we’ll assume you want to compare Allstate, State Farm and Farmers. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverages and limits with each company. If you enter differing limits it’s not possible to determine the lowest rate for your Audi Q3.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. All the ads make the same claim about savings after switching your coverage to them.

But how can every company make almost identical claims?

Different companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured might be profiled as over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will have to pay a higher premium which leads to business not being written. Company advertisements say “customers that switch” not “people who quote” save that much money. That is how companies can advertise the way they do. Because of the profiling, you absolutely need to get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings on Audi Q3 insurance.

Discounts are basically free money

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden car insurance savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Accident Waiver – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums for Q3 coverage.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

Keep in mind that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

Which insurance is the “right” coverage?

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Should I carry comprehensive and collision coverage?
  • Should I buy only the required minimum liability coverage?
  • Do I pay less for low miles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How do I buy GAP insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered when delivering products for my home-based business?
  • Are my friends covered when driving my 2015 Audi Q3?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Educate yourself about car insurance coverages

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi Q3.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This will pay to fix damage to your Q3 resulting from colliding 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 pays for things like colliding with another moving vehicle, crashing into a building, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, fire damage, hail damage and rock chips in glass. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for chiropractic care, surgery, EMT expenses, pain medications and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Be Smart and Buy Smart

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Cheaper 2015 Audi Q3 insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

Additional detailed information is available at these sites: