2018 Audi RS 3 Car Insurance Rates – 9 Tips to Save

Trying to find lower car insurance rates for your Audi RS 3? Wish you could get out of an expensive car insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy. Many insurers vie for your business, and because of this it can be hard to compare insurance companies to find the absolute cheapest price

It is always a good idea to compare premium rates periodically because prices fluctuate regularly. If you had the best deal on RS 3 coverage on your last policy you may be paying too much now. You can search a lot of car insurance online, but in just a couple of minutes you can learn some good information on how to put money back in your pocket.

The most recommended method to get rate comparisons is to know the trick almost all companies allow for online access to compare their rates. To get started, all you need to do is give the companies some data such as what your job is, daily mileage, your general credit rating, and if you are currently licensed. That rating data is automatically sent to multiple car insurance providers and you will receive price estimates quickly.

Insurance coverage quotes and discounts

Some insurance providers don’t necessarily list every policy discount very clearly, so we researched a few of the more common as well as some of the hidden discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
Low Mileage Discounts – Fewer annual miles on your Audi could earn slightly better prices than normal.
Organization Discounts – Being a member of a civic or occupational organization could earn you a nice discount on your next insurance coverage statement.
Save over 55 – If you’re over the age of 55, you are able to get reduced rates on RS 3 coverage.
Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as compared to drivers with a long claim history.
Federal Employees – Having worked for a branch of the government could provide a small rate reduction on RS 3 coverage depending on your insurance coverage provider.
Military Rewards – Being on active duty in the military could trigger a small discount.
Sign Early and Save – A few insurance companies give discounts for switching to them prior to your current policy expiration. This discount can save up to 10%.
Discount for New Cars – Adding a new car to your policy can cost up to 25% less since newer models are generally safer.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

Some of the larger companies that may offer quotes with these money-saving discounts are:

When getting free insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. Some discounts listed above may not be available in your area. To see a list of insurance companies who offer free insurance coverage quotes, click here to view.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

Will filing a claim cost me more?
At what point should I drop full coverage?
When can I cancel my policy?
Should I have a commercial auto policy?
Do I have coverage for damage caused while driving under the influence?
When can my company non-renew my policy?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi RS 3.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for collisions

This coverage pays for damage to your RS 3 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as structural damage, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, ambulance fees, EMT expenses and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.