Compare 2022 Audi S3 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 8, 2024

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Searching for better insurance rates for your Audi S3? Pricey insurance can overdraw your personal savings and force you to make tough financial choices.

Since consumers have many companies and agents to choose from, it is hard for the average consumer to locate a lower cost insurance company.

It’s smart to compare rates quite often because rates tend to go up over time. Just because you found the best premium rates for S3 coverage at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the things you must know in order to find better coverage at a better price.

What determines Audi S3 insurance costs?

Lots of things are part of the equation when premium rates are determined. Most are fairly basic like an MVR report, but some are more obscure such as your credit history or how safe your car is.

Listed below are just a few of the factors insurance companies consider when setting rates.

  • Deter theft and reduce prices – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
  • Use credit responsibly and save – Having a bad credit score can be an important factor in calculating your premium rate. Insureds that have very good credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit is not that good, you could save money insuring your 2022 Audi S3 by taking the time to improve your credit score.
  • Annual mileage and car insurance rates – Driving a lot of miles annually the more you’ll pay to insure it. Most companies price each vehicle’s coverage partially by how you use the vehicle. Cars left parked in the garage receive better premium rates than those used for commuting. Double check that your insurance declarations sheet shows the correct driver usage, because improper ratings can cost you money. Improper usage on your S3 can result in significantly higher rates.
  • No policy gaps is important – Driving with no insurance is a big no-no and your next policy will cost more because you let your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a revoked license or a big fine.
  • See if your company offers a multi-policy discount – Most insurance companies apply better rates to buyers who carry more than one policy in the form of a multi-policy discount. The discount can be as much as ten percent or more Even with this discount, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.
  • Safer cars lower rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.
  • Avoid traffic tickets – Being a careful driver has a lot to do with how much you pay for insurance. Even one ticket can increase rates forty percent or more. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers who have received flagrant violations such as DUI or reckless driving may need to prove financial responsibility with their state motor vehicle department in order to keep their license.
  • Amount of liability – The liability coverage on your policy will afford coverage when you are responsible for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.

Compare insurance rates

To find the best insurance prices, there are several ways of comparing rate quotes from lots of insurance companies. The best way to find competitive 2022 Audi S3 insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done by using one of the methods below.

The most efficient way to find low rates is an all-inclusive rate comparison. This method prevents you from having to do separate quote forms for each price estimate. A single form will return price quotes direct from many companies.

Another way to analyze rates requires a visit to each company website and go through the quote process again. For examples sake, let’s say you want to compare rates from GEICO, Progressive and GMAC. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

The old school way to price shop rates to each insurance agency near you. The ability to buy insurance online can eliminate the need for a local agent unless you have a complicated situation and need the peace of mind that can only be provided by a licensed insurance agent. It is possible with some companies get prices online but have a local agent actually write the policy.

Whichever way you use, be sure you’re using nearly identical coverages and limits on every price quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. It’s important to know that having more price comparisons helps locate more affordable rates.

Can you really save that much by switching?

Big name companies like Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to make the point about savings just by moving your insurance coverage policy to them. How does every insurance coverage company give you a lower rate?

Insurance providers provide the lowest rates for the type of insured that will not have excessive claims. An example of a driver they prefer might be described as over the age of 40, has no tickets, and drives a lower-performance vehicle. Any driver who matches those parameters will get very good rates and will also pay quite a bit less when switching companies.

Insureds who cannot meet the “perfect” profile will see a higher rate and the customer not buying. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save money. That is how companies can truthfully make those claims. This emphasizes why you absolutely need to get insurance coverage quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will have the best premium rates at this point in time.

Do you qualify for discounts?

Car insurance companies do not advertise every available discount in an easy-to-find place, so we researched a few of the more common and the more hidden credits available to bring down your rates.

  • Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. This can save 10% or more.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Good Driver Discounts – Accident-free drivers can save as much as half off their rates for S3 coverage than drivers with accident claims.
  • Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
  • No Charge for an Accident – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without raising rates if your claims history is clear for a set time period.
  • College Student Discount – who live away from home to go to college and don’t have a car may qualify for this discount.

Remember that most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

If you would like to view companies that offer the discounts shown above, enter your zip code here.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether or not you could use an agent’s help.

  • What is no-fault insurance?
  • Do I have newly-acquired coverage?
  • Do I pay less for low miles?
  • Is my camper covered by my car insurance policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability insurance is required?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code.

Coverages available on your car insurance policy

Knowing the specifics of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Collision coverage protection

Collision insurance will pay to fix damage to your S3 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, crashing into a building, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, a broken windshield, damage from flooding, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as medical expenses, attorney fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as funeral costs, nursing services, EMT expenses, doctor visits and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage on a shoestring budget

Low-cost 2022 Audi S3 insurance is available online as well as from independent agents, and you should compare rates from both to have the best rate selection. A few companies don’t offer rate quotes online and most of the time these regional insurance providers only sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured cut liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

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