2012 Audi A3 Insurance Quotes – 7 Policy Discounts

Trying to find the cheapest insurance coverage rates for your Audi A3? Are you sick and tired of scraping the payment together to insure your Audi every month? Your situation is no different than millions of other consumers.

Insurance companies such as Progressive, State Farm and GEICO promote their brand names with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

Low Cost Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rate quotes from auto insurance companies in your area. The best method to compare 2012 Audi A3 insurance prices is to get quotes online. This can be accomplished in several different ways.

  1. The fastest way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate forms to each individual auto insurance company. Taking the time to complete one form gets rate comparisons from all major companies.
  2. A slightly less efficient method to get quotes online requires visiting the website of each company to request a price quote. For sake of this example, let’s assume you want comparison quotes from Nationwide, Esurance and Liberty Mutual. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming way of comparing rate quotes is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local agent. You can, however, get prices online and still use a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage limits with every price quote. If you have different values for each quote it will be impossible to determine which rate is truly the best. Quoting even small variations in coverages may cause a big price difference. Just remember that more quotes helps you find a better price.

These seven discounts can lower your rates

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Most are applied at the time of purchase, but a few must be asked for before you will receive the discount.

  • Save over 55 – If you’re over the age of 55, you may receive reduced rates on A3 coverage.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on A3 coverage than drivers with accident claims.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on A3 coverage depending on your company.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.

It’s important to note that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will bring down your overall premium however.

To see a list of insurers who offer car insurance discounts, click here to view.

Different people need different coverages

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Exactly who is provided coverage by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • How can I get high-risk coverage after a DUI?
  • Why does it cost so much to insure a teen driver?
  • Is my teen driver covered when they drive my company car?
  • When can my company non-renew my policy?
  • Should I rate my 2012 Audi A3 as pleasure use or commute?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Don’t listen to company ads

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch to them. How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer might be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A customer who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Drivers who do not match this ideal profile will be charged a higher premium and this can result in the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make those claims.

That is why you should get as many comparisons as possible. It’s just too difficult to predict which insurance company will provide you with the cheapest Audi A3 insurance rates.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Liability insurance – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, ambulance fees, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi A3.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, theft, hitting a deer and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A little work can save a LOT of money

You just read a lot of tips how to shop for 2012 Audi A3 insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments compared to the large companies like Progressive and GEICO.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

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