2015 Audi S3 Car Insurance Quotes

Having to pay for pricey Audi S3 insurance can drain your funds, especially in this economy. Big companies like Geico, 21st Century and Progressive continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Decisions you make can impact your insurance costs

When buying auto insurance it’s important to understand the different types of things that are used to determine your premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that may reward you with better auto insurance rates.

The items below are some of the most rate-impacting factors used by your company to calculate your premiums.

• Do you really need the extra policy coverages? – There are many extra coverages that may not really be needed when buying auto insurance. Add-on coverages like rental car reimbursement, better glass coverage, and motor club memberships are probably not needed. These may sound like a good investment when deciding what coverages you need, but if they’re wasting money eliminate the coverages to reduce your premium.
• Do you save by driving less? – The more you drive annually the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on how the vehicle is used. Cars left parked in the garage receive better premium rates than those that get driven frequently. Having an incorrect usage rating on your S3 may be costing you higher rates. It’s a good idea to make sure your auto insurance policy is showing the correct usage.
• Avoid traffic tickets – Whether or not you get tickets has a lot to do with how much you pay for insurance. Getting just one moving violation may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers who have severe violations such as reckless driving, hit and run or driving under the influence are required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Driver age impacts rates – Older drivers are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.Young drivers are proven to be more careless when at the wheel of a vehicle therefore auto insurance rates are much higher.
• Consolidate policies and save – Most larger auto insurance companies afford a discount to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible. Drivers may still save money even if you insure with multiple companies

Save with with these discounts

Insurance is not an enjoyable expense, but you can get discounts that can drop the cost substantially. A few discounts will be applied at the time of purchase, but some may not be applied and must be asked about before they will apply.

• Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote insurance for S3 coverage with a few insurance companies.
• Driver Training Discounts – Passing a course in defensive driving may get you a small discount and easily recoup the cost of the course.
• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
• Low Miles Discount – Fewer annual miles on your Audi can qualify you for better insurancerates on cars that stay parked.
• Save with a New Car – Putting coverage on a new car can be considerably cheaper because newer vehicles keep occupants safer.
• Good Grades Discount – Performing well in school may save you up to 25%. The discount lasts up until you turn 25.
• Accident Waiver – Not necessarily a discount, but some companies like Geico, State Farm, and Progressive may permit one accident before your rates go up if you have no claims prior to being involved in the accident.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like medical payments or collision. Even though it appears you could get a free insurance policy, it just doesn’t work that way.

If you would like to choose from a list of providers who offer online insurance quotes, click here to view.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your situation may require specific advice.

• Can my babysitter drive my car?
• Who is covered when they drive my 2015 Audi S3?
• Will my insurance pay for OEM parts?
• Should I have a commercial auto policy?
• What is high-risk coverage and where do I buy it?
• I have health insurance so do I need medical payments coverage?
• Do I have coverage when using my vehicle for my home business?
• Does having multiple vehicles earn me a discount?
• Is my Audi S3 covered if I use it for business?
• What happens if I owe more than my 2015 Audi S3 is worth?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2015 Audi S3.

Due to the fact that 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 a good idea. Most of the time these limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your S3 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like funeral costs, dental work, EMT expenses, hospital visits and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

This can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

The bottom line

There are still a few companies who may not offer the ability to get a quote online smaller providers prefer to sell through local independent agencies. Affordable 2015 Audi S3 insurance is available on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

As you quote insurance, you should never sacrifice coverage to reduce premiums. In many instances, an insured dropped collision coverage only to regret that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

Much more information about insurance can be read at the links below

• Determing Auto Insurance Rates (Geico)
• A Tree Fell on Your Car: Now What? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)