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 23, 2018

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Searching for better insurance coverage rates for your Audi A3? Locating better insurance prices for an Audi A3 could be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to find insurance coverage online so you’re going to learn the best way to get price quotes for your Audi and get the best price possible from both online companies and local agents.

It’s a good idea to quote other rates before your next renewal due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest rate on A3 coverage a year ago a different company probably has better prices today. You can find a lot of misleading information regarding insurance coverage out there, but you can learn some great ideas on how to stop overpaying for insurance.

Pricing affordable car insurance can be fairly easy. If you are insured now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Vehicle owners only need to know the tricks to compare prices online.

Lower rates by qualifying for discounts

Auto insurance companies don’t always publicize all disounts very clearly, so the list below gives a summary of both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Driving Data Discount – Policyholders that allow companies to study where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Early Switch Discount – A few larger companies allow discounts for switching to them before your current expiration date. This can save 10% or more.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • No Claims – Drivers with accident-free driving histories get the best insurance rates when compared to frequent claim filers.
  • Discounts for Federal Employees – Federal government employees could cut as much as 10% off on A3 coverage but check with your company.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger insurance companies and some of their more popular discounts include:

  • State Farm offers discounts including passive restraint, defensive driving training, student away at school, multiple autos, and accident-free.
  • Nationwide has savings for easy pay, good student, multi-policy, business or organization, and family plan.
  • GEICO offers premium reductions for good student, multi-vehicle, five-year accident-free, multi-policy, and anti-theft.
  • AAA may have discounts that include good driver, education and occupation, multi-policy, multi-car, and AAA membership discount.
  • 21st Century offers discounts for 55 and older, air bags, driver training, defensive driver, and automatic seat belts.
  • The Hartford policyholders can earn discounts including air bag, driver training, anti-theft, good student, defensive driver, and vehicle fuel type.

When getting free auto insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. Discounts might not be offered on policies in every state. To view providers with discount insurance rates, follow this link.

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

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Which auto insurance is cheapest?

Finding a better price on auto insurance is surprisingly easy. Drivers just need to spend a few minutes on the computer comparing price quotes to see which company has the cheapest auto insurance quotes. This can be accomplished in a couple of different ways.

If you’re in a hurry, the quickest way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for each company you want a rate for. Taking the time to complete one form gets prices estimates from multiple companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For instance, let’s assume you want to compare prices for State Farm, Farmers and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, which can take a lot of time. For a list of companies in your area, click here.

The old school way to find and compare rates is making phone calls or going to each insurance agency near you. The ability to get quotes online eliminates the need for an insurance agent unless you require the trained advice that you can only get from talking to an agent. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just compare identical deductibles and coverage limits on every price quote you get. If you have different coverage information it’s impossible to get a fair rate comparison.

Insurance is unique, just like you

When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?
  • Should I sign the liability waiver when renting a car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit a deer?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

The coverage is in the details

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, nursing services and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays for damage to your A3 resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, backing into a parked car, scraping a guard rail, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, fire damage, damage from getting keyed and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like funeral expenses, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Audi A3.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

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

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Never pay more for less

More affordable car insurance is possible online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get quotes online and usually these regional insurance providers provide coverage only through independent agents.

People leave their current company for many reasons like an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, finding a new car insurance company is not as difficult as it may seem.

When you buy auto insurance online, don’t be tempted to skimp on coverage in order to save money. There are too many instances where drivers have reduced liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.

More detailed car insurance information is available at these sites: