Finding low-cost insurance for a new or used Audi A3 can be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to compare rates for a new or used Audi and locate the lowest possible price either online or from local insurance agents.
It’s a great practice to compare prices occasionally because insurance coverage prices change regularly. Even if you think you had the best deal for A3 coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest way to find better coverage at a better price.
Getting a cheaper price on 2009 Audi A3 insurance is pretty simple and can save money. The only thing you need to do is spend a little time to compare rate quotes provided by online insurance companies. Comparing prices online can be done in a couple of different ways.
Compare rates however you want, just make darn sure you compare the same coverage information with each company. If your comparisons have different liability limits it’s not possible to make a fair rate comparison.
Companies offering auto insurance do not list all disounts in an easy-to-find place, so we took the time to find a few of the more common and also the more inconspicuous auto insurance savings. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think all the discounts add up to a free policy, you aren’t that lucky.
Some of the larger companies that have these money-saving discounts include:
It’s a good idea to ask every insurance company the best way to save money. Some discounts may not apply to policyholders everywhere. To choose auto insurance companies that offer discounts, click here.
When buying adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining if your situation may require specific advice.
If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Coverage for liability
Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things like bail bonds, emergency aid, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi A3.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.
This pays for damage to your A3 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like crashing into a building, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hail damage, theft, rock chips in glass, fire damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, rehabilitation expenses, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage