Cheap Insurance for an Audi A3 in Mesa

Do you want an efficient way to compare more competitive Audi A3 insurance in Mesa? No one in their right mind likes buying car insurance, especially when they are aware that their premiums are through the roof.

We don’t have to tell you that insurance companies don’t want you to look for cheaper rates. Consumers who compare other prices will most likely switch to a new company because they stand a good chance of finding a policy with more affordable rates. Remarkably, a study showed that drivers who compared rates annually saved approximately $865 a year compared to drivers who don’t regularly compare prices.

If finding budget-friendly auto insurance in Mesa is the reason you’re here, understanding how to get price quotes and compare insurance premiums can help make the process easier and more efficient.

Companies like Allstate and Progressive continually hit you with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Get Cheap Insurance Prices by Understanding These Factors

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for car insurance. If you understand what influences your rates, this empowers consumers to make smart changes that can help you get cheaper rates.

Listed below are some of the items utilized by car insurance companies to help set your rate level.

• Fast cars cost more to insure – The performance level of the car you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The lowest premiums are for lower performance four cylinder passenger cars, but many other things help determine your insurance rates.

  The next chart uses these assumptions: married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Audi A3 insurance rates compared to other models that have different performance risks.

• Lower rates for cars with good safety ratings – Cars with five star safety ratings get lower rates. Highly rated vehicles reduce injuries and fewer injuries means your insurance company pays less which can result in lower premiums. If your Audi A3 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• Frequent claims will cost more – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Auto insurance companies in Arizona generally give lower rates to drivers who file claims infrequently. Your car insurance is intended to be relied upon for the large, substantial claims.
• Don’t let your car insurance lapse – Having an insurance coverage lapse is a guaranteed way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance may earn you a revoked license or a big fine.
• Urban residents pay more – Being located in less populated areas of the country is a good thing when insuring your vehicles. People who live in big cities regularly have congested traffic and longer commutes to work. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims.

• Insurance losses for an Audi A3 – Insurers analyze the history of losses to help determine the price you pay. Models that the data determines to have increased claim numbers or amounts will have a higher cost to insure.

  The table below shows the collected loss data for Audi A3 vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is considered to be 100. Values that are below 100 suggest losses that are better than average, while percentage values above 100 indicate frequent claims or an increased chance of larger losses than average.

  
  

  Audi A3 Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A3 4dr 2WD	152	90	109	85
  Audi A3 4dr 4WD	147	73	111	80

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Audi A3 insurance statistics and information

The price information shown next covers a range of rate quotes for Audi A3 models. Learning as much as possible about how rate quotes are figured is important for you to make decisions on which insurance to purchase.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in specific zip code location which can revise coverage rates noticeably.

Can higher deductibles save money?

When comparing insurance rates, the most common question is how low should you set your deductibles. The rates shown below show the costs and benefits when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific Mesa garaging location which can raise or lower price quotes greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $24 more each month or $288 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 31 months between claim filings, you would save more money if you decide on a higher deductible. The table below shows an example of how you can do this calculation yourself.

Driving violations and accidents

The chart below shows how traffic citations and at-fault fender-benders can drive up Audi A3 insurance costs for different age groups of insureds. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Cut your insurance rates with discounts

Car insurance companies don’t list their entire list of discounts very well, so the following is a list of some of the best known and the more hidden insurance savings. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

• Senior Citizen Rates – If you’re over the age of 55, you could receive reduced rates.
• Driving Data Discount – Insureds who allow data collection to track their driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates if their driving habits are good.
• College Student Discount – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
• Multiple Cars – Purchasing coverage when you have multiple cars on the same insurance policy may reduce the rate for each vehicle.
• Driver’s Ed – Cut your cost by having your teen driver successfully take a driver’s education course as it can save substantially.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount will bring down the cost of your policy.

The illustration below illustrates the difference between Audi A3 premium costs with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

If you would like to see a list of insurance companies with significant discounts in Arizona, click here.

Best auto insurance in Mesa

Insuring your vehicle with a highly-rated insurer can be a challenge considering how many companies provide coverage in Arizona. The ranking information in the lists below could help you select which auto insurance companies to look at purchasing a policy from.

Be persistent to save money

We just presented many ideas to reduce Audi A3 insurance prices online in Mesa. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.

When shopping online for car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to regret at claim time that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

How to find discount Audi A3 insurance in Mesa

The most effective way to find low-cost prices for Audi A3 insurance is to compare prices at least once a year from insurers that sell auto insurance in Mesa. Prices can be compared by following these guidelines.

• Step 1: Gain an understanding of what is in your policy and the changes you can make to keep rates in check. Many factors that result in higher rates such as your driving record and a not-so-good credit history can be rectified by paying attention to minor details.
• Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. Compare rates
• Step 3: Compare the quotes to your current policy premium and see if you can save money. If you can save money, verify that coverage does not lapse between policies.

One thing to point out is to use the same liability limits and deductibles on every price quote and and to look at all possible companies. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Additional car insurance information is available at these links:

• Collision Coverage (Liberty Mutual)
• Who Has Affordable Mesa Auto Insurance Rates for Low Mileage Drivers? (FAQ)
• What Insurance is Cheapest for a Toyota Camry in Mesa? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Mesa? (FAQ)
• How Much are Car Insurance Rates for Drivers with a Bad Driving Record in Mesa? (FAQ)
• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Institute)