2020 Audi A3 Insurance Quotes in 2024 – 5 Tips for Cheaper Rates

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

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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Want lower car insurance rates for your Audi A3? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? It’s quite common and many consumers are in the same pinch.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates and get the definite best price available.

Consumers need to compare premium rates at least once a year since insurance rates fluctuate regularly. Just because you had the best premium rates for A3 insurance a couple years back you will most likely find a better price today. Forget all the misinformation about car insurance because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Buying car insurance is quite easy. Although car owners need to have an understanding of how the larger insurance companies sell online and apply this information to your search.

Compare auto insurance quotes

To get affordable insurance quotes, there a variety of ways to compare rate quotes from many auto insurance companies in your state. The simplest method to find the lowest 2020 Audi A3 rates is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

  1. The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form. This form eliminates the need for multiple quote forms for each price estimate. A single, simple form gets you price quotes from several companies.
  2. A slightly less efficient method to shop for auto insurance online requires visiting the website of each company and complete a new quote form. For example, let’s assume you need rates from Farmers, Esurance and Travelers. To get each rate you have to visit each site to enter your coverage information, which can be really labor intensive.
  3. The old school method to comparison shop rate quotes is actually driving to local insurance agencies. Comparing rates online eliminates the need for an insurance agent unless your situation requires the trained advice only provided by licensed agents. You can, however, get the lowest quotes online but have a local agent actually write the policy.

The method you choose is up to you, but be sure to compare the same deductibles and coverage limits on every price quote you get. If you have different deductibles it will be next to impossible to get a fair rate comparison. Just slight variations in limits may result in large price differences. Just keep in mind that comparing more quotes provides better odds of finding a lower rate. Some companies don’t provide price estimates online, so it’s important to also get rates from them as well.

Are you earning every discount?

Car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Some discounts apply automatically when you purchase, but less common discounts must be specifically requested before being credited.

  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Defensive Driving Course – Taking time to complete a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for A3 insurance depending on your insurance provider.
  • First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
  • Claim Free – Insureds with no claims or accidents can save substantially compared to frequent claim filers.

Don’t be surprised that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

To see a list of insurers that offer some of these discounts, enter your zip code here.

When in doubt talk to an agent

When buying coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Is my custom paint covered by insurance?
  • How high should my medical payments coverage be?
  • Is my teenager covered with friends in the car?
  • Is my 2020 Audi A3 covered for flood damage?
  • Can I get a multi-policy discount?
  • When would I need rental car insurance?
  • Am I missing any policy discounts?
  • Is there coverage for injuries to my pets?
  • Do I pay less for low miles?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, funeral expenses and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, dental work and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your A3 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

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