View 2019 Audi RS 3 Insurance Quotes in 2024

Think you have an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone. Since drivers have many online and local companies to choose from, it is very difficult to pick the lowest price insurer.

It is always a good idea to quote other rates once or twice a year because auto insurance prices are rarely the same from one policy term to another. Just because you found the best price on RS 3 insurance two years ago you will most likely find a better rate quote today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

Locating the lowest cost coverage is easy if you know what you’re doing. If you have a current insurance policy or need a new policy, you can use these tips to find better prices and still get good coverage. Drivers just need to understand the most effective way to shop over the internet.

Where can I get low cost auto insurance?

Effectively comparing auto insurance prices can be exhausting if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web to get the quickest rates.

The majority of car insurance companies belong to a marketplace where prospective buyers send in one quote, and at least one company returns a competitive quote based on that data. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing enter your zip code here.

The only downside to using this type of form is you are unable to specify which insurance companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

However you get your quotes, double check that you are using equivalent coverage data for each price quote. If the quotes have different data you will not be able to decipher which rate is best.

Insurance companies offer many types of discounts

The price of auto insurance can be rather high, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically prior to getting the savings. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

• Driver Education Discount – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
• Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
• Active Service Discounts – Having an actively deployed family member may lower your prices slightly.
• Bundle and Save – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
• Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts until age 25.
• Own a Home and Save – Being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
• One Accident Forgiven – This one isn’t a discount, but a few companies such as Allstate, Progressive, and GEICO permit an accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
• Professional Memberships – Affiliation with qualifying clubs or civic groups could qualify you for a break on your next insurance statement.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

The best insurance companies and some of the discounts can be found below.

• State Farm may have discounts that include good student, driver’s education, safe vehicle, good driver, and accident-free.
• Farmers Insurance offers premium reductions for alternative fuel, early shopping, mature driver, distant student, switch companies, and bundle discounts.
• GEICO has discounts for multi-vehicle, daytime running lights, anti-theft, emergency military deployment, military active duty, and anti-lock brakes.
• American Family discounts include Steer into Savings, early bird, bundled insurance, good student, and multi-vehicle.
• Nationwide has savings for multi-policy, defensive driving, good student, business or organization, and family plan.
• Progressive may offer discounts for continuous coverage, good student, multi-policy, online quote discount, homeowner, multi-vehicle, and online signing.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. A few discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

Insurance premium influencing factors

Lots of factors are used when you get a price on insurance. Some are pretty understandable such as your driving history, but others are more transparent like your continuous coverage and annual miles driven.

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

• Big cities mean more claims – Having an address in small towns and rural areas can save you money when shopping for auto insurance. City drivers have to deal with more road rage incidents and higher rates of accident claims. Lower population means fewer accidents as well as less vandalism and auto theft.
• Use but don’t abuse your insurance – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies provide discounts to people who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Obey driving laws and save – Whether or not you get tickets has a big impact on rates. Getting just one citation can bump up the cost twenty percent or more. Drivers with clean records pay less for auto insurance as compared to careless drivers. Drivers who have gotten serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state’s licensing department in order to drive a vehicle legally.
• Rate your vehicle for proper use – Driving a lot of miles annually the higher your rate. Many insurance companies apply a rate based on their usage. Cars that do not get driven very much qualify for better rates compared to those used for work or business. Having the wrong rating on your RS 3 may be costing you higher rates. Verify your auto insurance declarations sheet reflects the correct usage, because improper ratings can cost you money.
• Your credit history is important – Having a bad credit score is a large factor in determining what you pay. Drivers with high credit scores tend to be better risks to insure as compared to drivers with poor credit. If your credit can use some improvement, you could be paying less to insure your 2019 Audi RS 3 by taking the time to improve your credit score.
• Higher rates for specific jobs – Careers such as judges, airline pilots and emergency personnel generally have higher premiums than the average policyholder attributed to intense work situations and lengthy work days. Other professions such as farmers, historians and the unemployed receive lower rates on RS 3 insurance.
• Premiums drop with age – Young drivers have been known to be more careless behind the wheel and because of this, their auto insurance rates are much higher. Older people are shown to be more cautious, are lower risk to insure , and are generally more financially stable.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Do I have coverage when pulling a U-Haul trailer?
• Who is covered when they drive my 2019 Audi RS 3?
• Should I buy additional glass protection?
• Do I need higher collision deductibles?
• Should I buy only the required minimum liability coverage?
• How do I file an SR-22 for a DUI in my state?
• Is my cargo covered for damage or theft?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Well known brands might not be cheapest

Drivers constantly see and hear ads that promise big savings for switching by Allstate and Progressive. All the ads make the point of big savings if you change your policy.

How do they all offer drivers better rates?

Insurance companies can use profiling for the type of customer that will not have excessive claims. A good example of a desirable risk should be a married female, owns their home, and drives less than 5,000 miles a year. A prospective insured that matches those criteria will get very good prices and will probably save money with a new company.

Drivers who are not a match for the requirements may be required to pay higher rates which leads to the customer not buying. The ad wording is “drivers that switch” not “all people who quote” save the amount stated. That’s why insurance companies can make those statements.

Because of this risk profiling, you really need to do a price quote comparison at every renewal. Because you never know the company that will fit your personal profile best.

Specific coverage details

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, a tree branch falling on your vehicle, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This will pay to fix damage to your RS 3 caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Audi RS 3.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, pain medications, funeral costs, ambulance fees and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Compare but don’t skimp

We covered quite a bit of information on how to reduce 2019 Audi RS 3 insurance auto insurance rates online. The key concept to understand is the more times you quote, the better likelihood of getting cheap auto insurance. Consumers could even find that the biggest savings come from the smaller companies. Regional companies may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.

Budget-conscious 2019 Audi RS 3 insurance is definitely available from both online companies as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these smaller providers work with independent agents.