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Audi A3 Insurance Cost

Shopping for auto insurance through online providers is easy and there is a good chance you might just save a little. The key is to compare rates from as many companies as possible in order to have the lowest rate quotes.

Consumers not familiar with shopping for insurance may think buying cut-rate Audi A3 insurance is hard and time consuming. Lowering your Audi A3 insurance rates is surprisingly easy. You just need to take a few minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for your Audi A3 will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your A3
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you own your home

A final factor that will help determine Audi A3 insurance cost is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Conversely, new Audi models may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Audi A3 comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Audi A3 Insurance Rates?