2015 Audi S3 Insurance Quotes – 9 Policy Discounts

Looking for better insurance coverage rates? Shoppers have many options when shopping for low-cost Audi S3 insurance. You can either spend your time calling around getting price quotes or utilize the internet to get rate quotes. There is a better way to compare insurance coverage rates and we’ll show you the proper way to get price quotes for a Audi and obtain the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you should be able to save some money using this information. Vehicle owners only need to know the proper methods to compare price quotes on the web.

These nine discounts can slash car insurance rates

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • No Accidents – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums for S3 coverage.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for S3 coverage than less cautious drivers.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way.

To see a list of providers offering car insurance discounts, follow this link.

Buyer beware of auto insurance advertising tricks

Drivers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. All the ads have a common claim about savings if you move your policy.

But how can every company say the same thing?

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who do not match these standards will be charged higher rates and ends up with business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully state the savings. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict the company that will provide you with the cheapest Audi S3 insurance rates.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • What is roadside assistance coverage?
  • What is no-fault insurance?
  • Should I rate my 2015 Audi S3 as pleasure use or commute?
  • How much liability insurance is required?
  • Is pleasure use cheaper than using my 2015 Audi S3 to commute?
  • How much can I save by bundling my policies?
  • Is a blown tire covered by insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, hitting a bird and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability – Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, emergency aid, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses such as nursing services, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision – Collision insurance pays for damage to your S3 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Audi S3.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

And the best car insurance company is…

Cost effective 2015 Audi S3 insurance can be sourced on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just learned many ideas to lower your insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the most savings is with the smaller companies.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, poor customer service, policy non-renewal and unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

Additional detailed information is available by following these links: