Cheap Audi A3 Insurance in Scottsdale

The easiest way to save money on Audi A3 insurance in Scottsdale is to do a yearly price comparison from providers who provide car insurance in Arizona. Rate comparisons can be done by completing these steps.

• First, try to learn a little about car insurance and the modifications you can make to lower rates. Many policy risk factors that drive up the price such as speeding and a less-than-favorable credit history can be amended by making lifestyle changes or driving safer.
• Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies.
• Third, compare the price quotes to your current policy premium to determine if you can save on A3 insurance. If you find a better price and change companies, make sure coverage is continuous and does not lapse.
• Fourth, provide notification to your current company of your intent to cancel your current coverage. Submit a completed policy application and payment to your new company or agent. Immediately upon receiving it, put the new proof of insurance certificate with your vehicle’s registration.

One tip to remember is to try to use the same deductibles and limits on every price quote and and to get quotes from as many companies as possible. Doing this helps ensure a level playing field and a complete selection of prices.

Surprisingly, a recent survey revealed that most insurance buyers kept their policy with the same company for well over three years, and almost half have never even compared rates from other companies. With the average insurance premium being $1,580, Arizona drivers could cut their rates by roughly 50% a year, but most just don’t grasp how much savings they would realize if they switched to a cheaper policy.

Cheap Audi insurance rate quotes in Scottsdale

The car insurance companies shown below are ready to provide quotes in Scottsdale, AZ. To locate cheap car insurance in Arizona, we suggest you visit two to three different companies to get a more complete price comparison.

Audi A3 insurance statistics and information

The coverage information below covers estimates of coverage prices for Audi A3 models. Learning as much as possible about how insurance policy premiums are determined is important for you to make smart policy decisions.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Scottsdale which can raise or lower coverage prices substantially.

Where to set your deductibles

The hardest decision when buying coverage is what deductibles to buy. The following tables approximate the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in your specific Scottsdale location which can modify prices considerably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $13 more each month or $156 for a full year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claims, you would probably come out ahead if you choose the higher deductible. Here’s an example of how you can do this calculation yourself.

The information below illustrates how your deductible choice and can raise or lower Audi A3 insurance premiums for different insured age categories. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.

Audi A3 full coverage rates compared to liability only

The information below visualizes the comparison of Audi A3 auto insurance rates when comparing full coverage to liability only. The data assumes no violations or claims, $500 deductibles, single status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no exact rule of when to eliminate physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi A3 claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the deductible is paid. If premiums are more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Determine discounts on Scottsdale insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that could help you make your next renewal payment. Some discounts will apply when you complete an application, but once in a while a discount must be manually applied prior to receiving the credit.

• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
• Auto/Life Discount – Select insurance carriers reward you with a discount if you purchase some life insurance too.
• Seat Belt Discounts – Requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Federal Government Employee – Active or former government employment could provide a small rate reduction but check with your company.
• Military Rewards – Being on active duty in the military could be rewarded with lower rates.

One thing to note about discounts is that most credits do not apply to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will reduce the cost of coverage.

The information below illustrates the comparison of Audi A3 auto insurance costs with and without discounts. The premiums are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, multi-car, and marriage discounts applied.

Companies that may offer policyholders most of the discounts above include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When quoting, ask all the companies which discounts they offer. Savings might not be offered in every state. For a list of insurance companies that offer many of these discounts in Arizona, follow this link.

Comparing prices from local Scottsdale car insurance agents

A lot of people just prefer to sit down with an agent and that is recommended in a lot of cases The best thing about comparing insurance prices online is that you can obtain cheaper prices and still have a local agent. And providing support for local agents is especially important in Scottsdale.

After filling out this quick form, your information is instantly submitted to agents in your area who will give you quotes and help you find cheaper coverage. You won’t even need to contact an agency because prices are sent immediately to your email address. It’s the lowest rates without requiring a lot of work. If you want to compare prices from a specific insurance provider, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

If you are searching for a reputable insurance agent or broker, it helps to know the two types of agencies and how they function. Agents in Scottsdale may be either exclusive or independent.

Independent Insurance Agents

These agents are not employed by any specific company so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company which is easy for the insured. If you are comparing insurance prices, you absolutely need to compare quotes from independent agents to ensure the widest selection of prices.

Below is a small list of independent insurance agents in Scottsdale that may be able to give you free rate quotes.

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive have only one company to place business with such as American Family, State Farm, and Allstate. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. These agents are usually well trained on the products they sell which helps them sell on service rather than price.

Below is a short list of exclusive agencies in Scottsdale willing to provide price quote information.

More insurance agents

Choosing the best car insurance agent should depend on more than just a cheap quote. Below are some questions you should ask.

• Is insurance their full-time profession?
• What discounts might you be missing?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Who are their largest clients?
• How long has their agency been in business in Scottsdale?
• Is there a Errors and Omissions policy in force?

If you get positive responses for all questions you ask and an affordable coverage quote, you’ve probably found an auto insurance agent that can be relied on to properly insure your vehicles. Just keep in mind you are able to terminate coverage for any reason so don’t assume you are locked into any particular company for any length of time.

You can find affordable coverage

We covered many ways to shop for Audi A3 insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the higher your chance of finding affordable Audi A3 insurance quotes. You may even find the biggest savings come from a small mutual company. These companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

For more information, link through to the resources below:

• Senior Drivers (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
• What Insurance is Cheapest for a Ford Focus in Scottsdale? (FAQ)
• Who Has Affordable Car Insurance Quotes for 17 Year Olds in Scottsdale? (FAQ)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Auto Insurance 101 (About.com)