Lower Your 2012 Audi A3 Insurance Cost

Searching for better auto insurance rates for your Audi A3? Locating better insurance prices for an Audi A3 could be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to shop for auto insurance so you’re going to learn the best way to get price quotes for your Audi and get the lowest price from local insurance agents and online providers.

It is always a good idea to get comparison quotes before your next renewal due to the fact that insurance prices fluctuate regularly. Just because you found the best deal on A3 insurance two years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because you’re about to learn the best methods to get good coverage at a lower rate.

Affordable insurance quotes with discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so here is a list a few of the more common in addition to some of the lesser obvious ways to save on insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Driver Education Discount – Cut your cost by having your teen driver complete a driver education course in school.
  • Air Bag Discount – Cars that have air bags may qualify for discounts of up to 25% or more.
  • Distant College Student Discount – Older children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save you some money because newer models have to meet stringent safety requirements.
  • Senior Citizen Rates – Older drivers may be able to get a small decrease in premiums on A3 insurance.
  • Auto/Life Discount – Larger insurance carriers have a small discount if you purchase life insurance.
  • Policy Bundle Discount – If you can combine your home and auto policy with the same company you could get a discount of up to 20% and get you cheaper insurance.
  • Fewer Miles Equal More Savings – Driving less could earn slightly better insurancerates than normal.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So even though you would think you could get a free insurance policy, you aren’t that lucky. Any amount of discount should help lower your policy premiums.

Popular insurance companies and the discounts they provide can be found below.

  • GEICO policyholders can earn discounts including daytime running lights, driver training, military active duty, good student, membership and employees, five-year accident-free, and air bags.
  • Auto-Owners Insurance may have discounts that include paperless, multiple vehicles, safe driver, paid in full, and safe vehicle.
  • American Family offers premium reductions for defensive driver, multi-vehicle, Steer into Savings, air bags, and good student.
  • Esurance discounts include anti-theft, good student, defensive driver, paid-in-full, and multi-car.
  • Progressive may include discounts for multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, and good student.
  • State Farm includes discounts for accident-free, defensive driving training, passive restraint, safe vehicle, Drive Safe & Save, and multiple autos.
  • AAA has savings for education and occupation, multi-policy, anti-theft, pay-in-full, and good student.

Before purchasing a policy, check with every insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in your area. If you would like to view companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation may require specific advice.

  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I make deliveries for my home business?
  • Am I covered when driving a rental car?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Is there truth in advertising?

Drivers can’t get away from ads for cheaper auto insurance by companies like 21st Century, Allstate and State Farm. They all say the same thing about savings just by switching your coverage.

How is it possible that every company can charge less that you’re paying now? It’s all in the numbers.

Companies give the best rates for the type of driver that makes them money. An example of this type of driver could possibly be over the age of 50, has no prior claims, and drives a safe vehicle. A customer getting a price quote who matches that profile will get a cheap rate quote and will probably save quite a bit of money when switching.

Drivers who do not meet the requirements may be forced to pay a more expensive rate and ends up with the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can make claims like that.

This really drives home the point why you need to compare many company’s prices. Because you never know with any certainty which company will have the lowest premium rates for your situation.

Car insurance coverage information

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi A3.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, structural damage, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

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

Collision can pay for claims such as crashing into a building, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a deer, vandalism and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses like funeral costs, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

Cheaper insurance can be found both online in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies do not provide online quoting and many times these regional carriers only sell coverage through independent agents.

People change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, being labeled a high risk driver and even policy cancellation. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

We covered a lot of information how to lower your 2012 Audi A3 insurance rates. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with an unexpected company.

Much more information about insurance can be found at these links: