2015 Audi S3 Car Insurance Rates – 7 Savings Tips

Looking for cheaper car insurance rates? Shoppers have a choice when shopping for low-cost Audi S3 insurance. They can either waste time calling around to compare prices or use the internet to compare rates. There are more efficient ways to compare car insurance rates and we’ll show you the proper way to quote coverages on a Audi and find the best price possible from both online companies and local agents.

Compare insurance coverage price quotes online

Finding cheap 2015 Audi S3 insurance coverage rates can be surprisingly simple. All that’s required is to take time getting comparison quotes to find out which insurance company has the cheapest insurance quotes. It’s really simple and can be done using a couple different methods.

1. If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form (click to open form in new window). This quick form eliminates the need for separate quotes for every insurance coverage company. Taking the time to complete one form will get you rate comparisons from several companies. Just one form and you’re done.
2. A more time consuming way to get comparison quotes consists of going to the website for each individual company and go through the quote process again. For examples sake, let’s say you want to compare prices for Nationwide, Liberty Mutual and State Farm. In order to get each rate, you would have to take the time to go to each site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

   For a list of companies in your area, click here.

Which method you use is up to you, but try to keep equivalent coverage data for each price quote. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to find the best deal for your Audi S3.

Special considerations

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions might help in determining whether or not you may require specific advice.

• Am I covered if I break a side mirror?
• Why does it cost so much to insure a teen driver?
• What is roadside assistance coverage?
• Does my 2015 Audi S3 need full coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Are my tools covered if they get stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Having a good grasp of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as medical services, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, falling objects and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2015 Audi S3.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, dental work, chiropractic care and funeral costs. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible