2017 Audi A3 Sportback e-tron Insurance Rates

Searching for the cheapest insurance coverage rates for your Audi A3 Sportback e-tron? Trying to find more affordable Driversinsurance coverage may be challenging for people who are new to shopping for insurance online. Drivers have so many choices that it can quickly become a real hassle to find the best price.

Finding the best rates is not that difficult. Essentially everyone who is required by state law to have insurance will be able to find lower rates. But car owners must learn how insurance companies sell online.

Finding insurance

Shopping for lower insurance rates can take time and effort if you don’t understand the best way to get rate quotes. You can waste hours discussing policy coverages with agents in your area, or you could save time and use online quotes to get pricing more quickly.

Most car insurance companies enroll in a system where prospective buyers send in one quote, and every company provides a quote for coverage. This prevents consumers from doing quote requests to every company.

To participate in this free quote system, click here (opens in new window).

The only drawback to using this type of form is you cannot specify which companies to get quotes from. So if you prefer to pick specific providers to compare prices, we have a listing of companies who write insurance in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you compare the same coverage limits on every price quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to decipher which rate is best. Even a minor difference in limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing more quotes helps improve the odds of finding more affordable insurance.

Discounts for cheaper insurance coverage quotes

Companies offering auto insurance do not list all available discounts very well, so we took the time to find a few of the more common and the more hidden insurance coverage savings.

  • Air Bags and Passive Restraints – Cars that have air bags may qualify for discounts of up to 25% or more.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Early Switch Discount – A few companies give discounts for switching policies before your current coverage expires. Ten percent is about the average savings.
  • Distant College Student Discount – Youth drivers who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
  • Bundle and Save – If you insure your home and vehicles with one company you could earn a discount of at least 10 to 15 percent or more.
  • Homeowners Pay Less – Owning a house can get you a discount because maintaining a house requires a higher level of personal finance.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for A3 Sportback e-tron insurance than drivers with accident claims.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way.

The best insurance coverage companies and their offered discounts are:

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, student away at school, safe vehicle, and defensive driving training.
  • Farmers Insurance has discounts for distant student, early shopping, multi-car, alternative fuel, electronic funds transfer, youthful driver, and mature driver.
  • Progressive may include discounts for good student, online quote discount, multi-vehicle, homeowner, online signing, continuous coverage, and multi-policy.
  • Geico offers discounts including anti-theft, air bags, driver training, seat belt use, membership and employees, emergency military deployment, and five-year accident-free.
  • Auto-Owners Insurance discounts include paid in full, air bags, anti-lock brakes, safe driver, good student, teen driver, and paperless.
  • The Hartford may have discounts that include vehicle fuel type, anti-theft, air bag, good student, defensive driver, and bundle.
  • Farm Bureau includes discounts for multi-policy, driver training, good student, 55 and retired, youthful driver, and safe driver.
  • USAA has savings for annual mileage, good student, multi-policy, family discount, multi-vehicle, defensive driver, and safe driver.

When quoting, ask every insurance company how you can save money. Some of the earlier mentioned discounts might not apply in your state. For a list of insurers who offer online insurance coverage quotes, click here.

You may need specialized insurance coverage coverage

When choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Should I waive the damage coverage when renting a car?
  • Can I afford to buy a different vehicle if my 2017 Audi A3 Sportback e-tron is totaled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if hit by an uninsured driver?
  • Does medical payments coverage apply to all occupants?
  • Are split liability limits better than a combined single limit?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

You can change your insurance premiums

Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, although some other factors are not as apparent such as your credit history or how financially stable you are.

The following are just a few of the factors used by your company to calculate rates.

  • Stay claim-free and save – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Companies provide lower rates to insureds who file claims infrequently. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • With age comes lower premiums – Teenage drivers tend to be easily distracted when driving with friends therefore insurance coverage rates are much higher. If you’ve ever had to add a young driver to your policy can break the bank. Older insureds are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.
  • Insurance rates in urban areas – Residing in small towns and rural areas can save you money when shopping for auto insurance. People in densly populated areas tend to have much more traffic and much longer commute distances. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Do you work long hours in a demanding occupation? – Do you work in a high-stress field? Occupational choices like military generalsairline pilots and dentists tend to have higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, jobs such as scientists, students and performers get better rates for A3 Sportback e-tron insurance.
  • Pleasure use saves money – Driving a lot of miles each year the more you will pay for insurance coverage. Most companies calculate prices determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than vehicles that have high annual mileage. Having the wrong rating on your A3 Sportback e-tron is throwing money out the window. Make sure your insurance coverage policy correctly shows the correct usage for each vehicle.
  • Raising physical damage deductibles lowers prices – Comprehensive and collision coverage deductibles state the amount of money you are required to spend before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply would be a windshield broken by a bird, vandalism, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the less your insurance coverage will be for A3 Sportback e-tron insurance.
  • Vehicle features can affect premiums – Purchasing a vehicle with an alarm system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.

Insurance coverage basics

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, damage from getting keyed, vandalism and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like legal defense fees, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Audi A3 Sportback e-tron.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, backing into a parked car, sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as chiropractic care, funeral costs, dental work, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

You just learned some good ideas how to lower your 2017 Audi A3 Sportback e-tron insurance car insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with some of the smallest insurance companies.

When getting auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage only to find out that it was a big mistake. Your objective should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

Cheaper 2017 Audi A3 Sportback e-tron insurance is definitely available online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not provide rate quotes online and many times these smaller providers prefer to sell through independent insurance agencies.

Helpful resources