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: Oct 5, 2017

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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.

Cheapest insurance coverage rate quotes

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.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating separate quotation requests to each individual insurance coverage company. Completing one form gets you coverage quotes instantly. This is perfect if you don’t have a lot of time.
  2. Another way to find more affordable insurance requires visiting the website for every company you want to comare and fill out a new quote form. For examples sake, let’s say you want to compare rates from Liberty Mutual, 21st Century and Progressive. You would have to navigate to each company’s site to enter the same coverage data repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to comparison shop is physically going to local insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless your situation requires the advice and guidance that only an agent can give. You can, however, price shop online but buy from a local insurance agent.

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.

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

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Discount auto insurance rates

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.

  • College Student Discount – Youth drivers who live away from home at college and don’t have a car may be able to be covered for less.
  • Policy Bundle Discount – If you have multiple policies with one insurance company you could save as much as 10 to 15 percent.
  • Senior Discount – Drivers over the age of 55 can possibly qualify for a slight reduction on a car insurance quote for A3 coverage.
  • Responsible Drivers – Drivers without accidents may save up to 50% more for A3 coverage compared to rates paid by drivers with frequent claims.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% on medical payment and PIP coverage.

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.

Tailor your auto insurance coverage to you

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.

  • Why do I need rental car insurance?
  • Do I pay less for low miles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is UM/UIM insurance?
  • Should I put collision coverage on all my vehicles?
  • Can I afford low physical damage deductibles?
  • What is high-risk coverage and where do I buy it?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when using my vehicle for business?

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.

Car insurance coverage information

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.

Collision protection

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