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, 2015

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Are you irritated from not being able to afford to pay high insurance coverage rates every month? You have the same problem as many other consumers. Due to the fact that there are so many choices, it can be impossible to pick the lowest price insurance company.

These discounts can lower your insurance coverage quotes

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but occassionally some discounts must be requested specifically before you will receive the discount.

  • Telematics Data Discounts – People who choose to allow data collection to monitor driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Driver Safety – Completing a defensive driver course can save you 5% or more depending on where you live.
  • Multi-policy Discount – If you combine your home and auto policies with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a slight reduction on a auto insurance quote for A3 coverage.
  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Progressive, State Farm and GEICO may permit one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.

Don’t be shocked 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 collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts can be read below.

  • State Farm offers discounts including passive restraint, good student, defensive driving training, anti-theft, safe vehicle, multiple autos, and driver’s education.
  • GEICO has discounts for federal employee, anti-theft, anti-lock brakes, membership and employees, defensive driver, good student, and daytime running lights.
  • Allstate may include discounts for anti-theft, eSmart discount, premier discount, teenSMART discount, safe driver, good payer, and passive restraint.
  • SAFECO policyholders can earn discounts including homeowner, multi-car, anti-theft, safe driver, and drive less.
  • Farm Bureau may offer discounts for driver training, youthful driver, multi-vehicle, renewal discount, good student, 55 and retired, and multi-policy.
  • Progressive includes discounts for multi-policy, online signing, continuous coverage, multi-vehicle, good student, homeowner, and online quote discount.
  • AAA may have discounts that include good student, good driver, anti-theft, multi-policy, and pay-in-full.

When getting free auto insurance quotes, it’s a good idea to all companies you are considering to give you their best rates. Discounts might not be offered in every state.

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

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How to get insurance coverage price quotes

Getting a cheaper price on 2010 Audi A3 insurance is actually quite simple. All that’s required is to invest a few minutes to compare rate quotes online with multiple companies. Rate comparisons can be done by using one of the methods below.

The most recommended method to get the best comparison quotes is a comparison rater form click here to open form in new window. This quick form saves time by eliminating a different quote for each company. A single form gets prices estimates instantly.

Another way to get comparison quotes is to manually visit each company’s website and repeat the quote process. For examples sake, let’s say you want to view quotes from Farmers, Liberty Mutual and GEICO. To get each rate you have to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The final method to get comparison rates is to spend time driving to insurance agencies in your area. Comparing rate quotes online makes this process obsolete unless your situation requires the guidance that only an agent can give. You can, however, get prices online but buy from a local insurance agent.

Compare rates however you want, just do your best to enter exactly the same coverages and limits on every price quote you get. If each company quotes differing limits it’s impossible to make an equal comparison.

Different people need different auto insurance coverages

When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if your situation may require specific advice.

  • Is business equipment covered while in my vehicle?
  • How high should deductibles be on a 2010 Audi A3?
  • When would I need additional glass coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage if my license is suspended?
  • Does coverage extend to a rental car in a foreign country?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills for hospital visits, nursing services, rehabilitation expenses, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2010 Audi A3.

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 should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – This covers damage to your A3 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, damage from flooding, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

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

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Spend less. Save more.

Low-cost 2010 Audi A3 insurance can be bought online in addition to local insurance agencies, so you need to quote auto insurance with both so you have a total pricing picture. A few companies don’t offer online price quotes and many times these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, never buy less coverage just to save a little money. There are too many instances where an insured cut collision coverage and found out when filing a claim that it was a big error on their part. The aim is to purchase plenty of coverage for the lowest price.

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