Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Sep 4, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want better insurance rates for your Audi A3? Scraping up a payment for pricey Audi A3 insurance can drain your funds and make it tough to pay other bills. Comparing cost estimates is a smart way to cut your insurance bill.

Big companies like Progressive, GEICO and Farmers Insurance all promote huge savings with TV and radio ads and it is challenging if not impossible to sift through the bull and find the best price available.

It’s a great practice to get comparison quotes as often as possible due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest rate for A3 insurance two years ago you may be paying too much now. You can find a lot of wrong information about insurance online, but you can learn some proven techniques to lower your insurance rates.

If you are insured now or are just looking to switch companies, you can use these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the proper methods to compare company rates online.

The quickest way to compare insurance rates in your area utilizes the fact car insurance companies participate in a system to quote your coverage. To start a quote, the only thing you need to do is give them rating details like daily mileage, whether you are single or married, if you are currently licensed, and driver ages. The data is then submitted to multiple top-rated companies and they return quotes instantly to find the best rate.

To start a quote now, click here and find out if you can get cheaper insurance.

Use discounts on auto insurance

Some insurance providers don’t always list all disounts in an easy-to-find place, so we break down a few of the more well known as well as the least known credits that you can use to lower your rates. If you do not double check each discount possible, you may be paying too high a price.

  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Life Insurance Discount – Companies who offer life insurance give better auto insurancerates if you take out a life policy as well.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
  • Safe Driver Discounts – Safe drivers can pay as much as 50% less for A3 insurance than less cautious drivers.
  • Sign Online – A few auto insurance companies give back up to $50 simply for signing digitally online.

As a footnote on discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky. But any discount will definitely reduce the premium cost.

A list of companies and their possible discounts include:

  • State Farm discounts include driver’s education, passive restraint, Drive Safe & Save, defensive driving training, and good student.
  • Esurance has discounts for multi-car, online shopper, anti-lock brakes, anti-theft, good driver, and online quote.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, online signing, and multi-vehicle.
  • Liberty Mutual has savings for newly married, preferred payment discount, good student, multi-car, new move discount, multi-policy, and teen driver discount.
  • Auto-Owners Insurance offers discounts for safe driver, paperless, multi-policy, mature driver, safe vehicle, and teen driver.
  • GEICO may offer discounts for driver training, emergency military deployment, air bags, federal employee, and defensive driver.

Double check with all companies you are considering which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area. To locate companies with discount rates, follow this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Which companies will insure high-risk drivers?
  • Should I sign the liability waiver when renting a car?
  • Can I afford low physical damage deductibles?
  • What is no-fault insurance?
  • Is pleasure use cheaper than using my 2007 Audi A3 to commute?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specific coverage details

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, loss of income, funeral expenses, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

This coverage pays for damage to your A3 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.