Cheaper 2013 Audi A3 Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 7, 2024

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Looking for the cheapest insurance rates for your Audi A3? Are you sick and tired of paying out the nose to pay high insurance rates every month? You’re in the same situation as the majority of other consumers. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every company to find the absolute best rates possible.

Cheapest insurance coverage price quotes

Most major insurance companies like Progressive, Allstate and GEICO allow you to get prices on the web. Getting prices online is pretty easy as you simply type in the coverages you want as detailed in the form. After the form is submitted, the quote system automatically orders your driving record and credit report and returns a price based on the information you submitted. Online price quotes makes it simple to compare prices but the work required to visit different websites and type in the same information can be a bit repetitive. But it’s very important to do this if you want to get better prices.

There is a better way!

A more efficient way to compare rates utilizes a single form that analyzes rates from a bunch of companies at once. It saves time, reduces the work, and makes online shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can choose any one of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and can result in significant savings.

To quickly use this form to compare rates, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with the coverages exactly as they are listed on your policy. This way, you will receive rate comparison quotes using the exact same coverages.

Find hidden discounts to get affordable car insurance quotes

The price of auto insurance can be rather high, but you might already qualify for some discounts that can help lower your rates. Certain reductions will be credited at the time of quoting, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Membership in Organizations – Being a member of a professional or civic organization could trigger savings on your next car insurance statement.
  • Student in College – Kids who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Allstate and Progressive allow you one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Military Rewards – Being on active deployment in the military could qualify you for better premium rates.
  • Save over 55 – Drivers that qualify as senior citizens may be able to get reduced rates for A3 coverage.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for A3 coverage than drivers with accident claims.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and a selection of discounts are:

  • Progressive may offer discounts for online quote discount, good student, multi-policy, homeowner, and multi-vehicle.
  • MetLife may include discounts for defensive driver, good student, accident-free, multi-policy, good driver, and claim-free.
  • Mercury Insurance includes discounts for ease of repair, multi-car, accident-free, professional/association, good student, multi-policy, and type of vehicle.
  • Nationwide policyholders can earn discounts including multi-policy, Farm Bureau membership, family plan, defensive driving, accident-free, and anti-theft.
  • GEICO offers premium reductions for federal employee, multi-policy, driver training, defensive driver, multi-vehicle, and good student.
  • AAA discounts include AAA membership discount, anti-theft, good driver, multi-car, good student, education and occupation, and multi-policy.

If you need lower rates, check with every company which credits you are entitled to. Discounts may not be offered in your area. To find companies who offer car insurance discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can aid in determining whether or not you may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Does my insurance cover a custom paint job?
  • Do I need medical payments coverage since I have good health insurance?
  • How high should deductibles be on a 2013 Audi A3?
  • When can I cancel my policy?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a 2013 Audi A3

Knowing the specifics of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, dental work and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage will pay to fix damage to your A3 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2013 Audi A3.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liability limits.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, theft, falling objects, damage from getting keyed and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like pain and suffering, medical services, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Cost effective 2013 Audi A3 insurance can be found both online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and usually these smaller companies prefer to sell through independent insurance agents.

We just showed you some good ideas how to compare 2013 Audi A3 insurance premium rates online. The key thing to remember is the more times you quote, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

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