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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Looking for better insurance rates for your Audi S3? Scraping up a payment for overpriced Audi S3 insurance can diminish your monthly budget and force you to prioritize other expenses. Getting a rate comparison can lower your rates and help to tighten up your finances.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to get the cheapest price

If you have a policy now or need new coverage, you can use this information to find better prices and still get good coverage. Finding the best rates is quite easy. Drivers only need an understanding of the proper way to compare price quotes over the internet.

Insurance cost influencing factors

When buying car insurance it’s important to understand some of the elements that play a part in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that could help you find much lower annual insurance costs.

  • Rates increase with driving citations – A bad driving record influences premium rates substantially. Careful drivers tend to pay less for car insurance compared to bad drivers. Only having one citation can increase the cost of insurance by as much as thirty percent. Drivers who have gotten flagrant citations like DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.
  • Prevent car insurance policy lapses – Letting your insurance expire can be a guaranteed way to bump up your car insurance costs. Not only will you pay higher rates, not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Pay more of a claim out-of-pocket – Comprehensive and collision coverage deductibles are the amount of money you are required to pay if a claim is determined to be covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered could be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the bigger discount you will receive for S3 coverage.
  • Safer cars means better prices – Vehicles that have high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • More people means more accidents – Residing in less populated areas may provide you with better prices when it comes to car insurance. City drivers have congested traffic and longer commutes to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Marriage discount – Having a significant other may earn you lower rates when buying car insurance. Having a spouse is viewed as being more financially stable and statistics show drivers who are married file infrequent claims.
  • Save by driving less – Driving more miles in a year the higher your rate. The majority of insurers charge rates based on their usage. Autos that have low annual miles cost less to insure than those that get driven frequently. Having an incorrect usage rating on your S3 is just wasting money. It’s a good idea to make sure your policy properly reflects the proper vehicle usage, because it can save money.

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

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The cheapest car insurance price quotes

Many insurance companies allow you to get coverage prices on their websites. Obtaining pricing doesn’t take much effort because you just enter your coverage preferences on the page. Behind the scenes, the quote system requests reports for credit and driving violations and quotes a price based on the data you entered. This makes it simple to compare prices but the work required to visit many different websites and type in the same information is a big time waster. Unfortunately, it is important to have as many quotes as possible if you want to find the lowest car insurance rates.

The smarter way to compare car insurance pricing makes use of a single form that gets price quotes from multiple companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it is quoted and you are able to buy any or none of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and may result in a nice savings.

To get comparison pricing now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you type in the insurance coverages exactly as shown on your declarations page. This guarantees you will be getting rate comparison quotes using the exact same coverages.

Drivers who switch save $406 a year? Really?

Consumers can’t escape the ads that claim the cheapest car insurance rates by GEICO, State Farm and Progressive. All the companies seem to make the promise about savings just by moving your policy.

How does each company give you a lower rate? It’s all in the words they use.

Many companies can use profiling for the type of customer that makes them money. One example of this type of driver could possibly be over the age of 35, has a clear driving record, and drives less than 5,000 miles a year. Any new insured that hits that “sweet spot” will most likely get cheap rates as well as save when switching.

Insureds who don’t meet these criteria will be quoted a more expensive rate which translates to the driver buying from a lower-cost company. The ads say “people that switch” not “everyone who quotes” save that much. That is how companies can state the savings. Because of these techniques, you really should get car insurance quotes from several different companies. It’s just not possible to know which auto insurance company will have the best prices at this point in time.

More discounts mean cheaper premiums

Some providers don’t necessarily list every policy discount very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to bring down your rates.

  • Telematics Data – Insureds that choose to allow driving data collection to study when and where they use their vehicle by using a telematics device like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
  • Anti-lock Brake System – Cars equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Multi-policy Discount – If you combine your home and auto policies with one insurance company you will save up to 20% off your total premium.
  • Distant Student – who are attending college without a vehicle on campus may qualify for this discount.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for S3 coverage with select insurance companies.
  • Student Discount for Driver Training – Have your child participate in a local driver’s education class in school.
  • Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Large insurance coverage companies and a summarized list of policyholder discounts are:

  • State Farm has discounts for multiple policy, Steer Clear safe driver discount, multiple autos, safe vehicle, anti-theft, and good student.
  • Esurance offers premium reductions for online quote, renters, DriveSense, anti-lock brakes, Pac-12 alumni, and paid-in-full.
  • Progressive includes discounts for multi-policy, good student, homeowner, online quote discount, online signing, multi-vehicle, and continuous coverage.
  • Liberty Mutual has savings for new vehicle discount, hybrid vehicle, safety features, new graduate, teen driver discount, and new move discount.
  • Auto-Owners Insurance discounts include anti-lock brakes, safe driver, anti-theft, company car, and teen driver.
  • GEICO may offer discounts for federal employee, anti-theft, emergency military deployment, membership and employees, defensive driver, seat belt use, and multi-policy.

If you are trying to find low cost car insurance quotes, ask every insurance company which credits you are entitled to. All car insurance discounts may not be available everywhere. To view insurers with discount insurance coverage rates, click here.

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

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It’s not one size fits all

When buying the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving on a suspended license?
  • Will my insurance pay for OEM parts?
  • If my pet gets injured in an accident are they covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, dental work and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, structural damage, medical services and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote more. Save more.

As you prepare to switch companies, never reduce needed coverages to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best possible price.

We just covered some good ideas how to save on 2015 Audi S3 insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with a small mutual company. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

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