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Audi Audi A3 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 11, 2020

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Want lower car insurance rates for your Audi A3? Have you fallen victim to overpriced car insurance? Trust us, you’re not the only one.

Drivers have so many insurance companies to purchase coverage from, and although it’s nice to have a choice, having more auto insurance companies makes it harder to find the best rates for your vehicles.

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. But car owners do need to learn how big insurance companies sell insurance online and apply this information to your search.

Save big with these five discounts

Auto insurance companies don’t always advertise all their discounts very well, so we researched some of the more common as well as the least known auto insurance savings.

  • Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • No Claims – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.

Drivers should understand that many deductions do not apply the whole policy. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not apply in your state.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover if your situation could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Is my custom paint covered by insurance?
  • Can I rent a car in Mexico?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why is insurance for a teen driver so high?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Free Auto Insurance Comparison

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

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Misconceptions in insurance advertisements

State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch your policy. How can each company make the same claim?

Different companies can use profiling for the driver they prefer to insure. For example, a driver they prefer might be profiled as between 30 and 50, a clean driving record, and has excellent credit. A customer who fits that profile will get the preferred rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to these standards will be quoted higher premiums and ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully claim big savings. This emphasizes why you should compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

Coverage specifics

Having a good grasp of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, surgery, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as pain and suffering, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your A3 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle and falling objects. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop Smart and Save

Affordable 2011 Audi A3 insurance can be purchased both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In many cases, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

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