2020 Audi S3 Insurance Quotes in 2024

Searching for the cheapest insurance rates for your Audi S3? Have you had enough of sacrificing other expenses to insure your Audi every month? You are no different than most other vehicle owners.

Due to the abundance of online and local companies to choose from, it can be challenging to choose the lowest price company.

It’s smart to get comparison quotes yearly because insurance prices change quite often. If you had the best deal on S3 coverage on your last policy the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

The purpose of this article is to teach you how to get online quotes. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. But drivers should learn how big insurance companies sell online and take advantage of how the system works.

Auto insurance quotes comparison

There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to quickly compare rates.

Most of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To participate in this free quote system, enter your zip code here.

The only downside to using this type of form is you don’t know exactly the companies to receive prices from. If you prefer to choose specific providers to compare rates, we put together a list of companies who write auto insurance in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just try to keep the exact same coverage limits for every quote you compare. If you enter different limits and deductibles on each one it will be very difficult to determine which company has the best rates. Just slight variations in insurance coverages can result in a big premium difference. Just remember that comparing more company’s prices increases the change that you will find lower pricing.

Save a ton with these discounts

Car insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts that you may qualify for.

• Discount for Low Mileage – Low annual miles may enable drivers to earn lower rates on the low mileage vehicles.
• Multiple Cars – Buying a policy with multiple cars or trucks on a single policy can get a discount on all vehicles.
• Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to drivers who are more careless.
• Online Discount – Certain companies may give you up to $50 shop car insurance on their website.
• Good Driver Discount – Drivers without accidents may save up to 50% more on S3 coverage than less cautious drivers.
• Telematics Data Discounts – Policyholders that allow driving data collection to analyze their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
• Distant College Student Discount – Older children living away from home attending college and leave their car at home could get you a discount.
• Air Bag Discount – Vehicles equipped with air bags can get savings of up to 25% or more.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

To find companies who offer auto insurance discounts, enter your zip code here.

Auto insurance can be complex

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

• Can my teen drive my company car?
• Do I need replacement cost coverage?
• Is a new car covered when I drive it off the dealer lot?
• Can I rate high risk drivers on liability-only vehicles?
• How many claims can I have before being cancelled?
• I have health insurance so do I need medical payments coverage?
• What if I total my 2020 Audi S3 and owe more than it’s worth?
• Why is insurance for a teen driver so high?
• How does medical payments coverage work?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like X-ray expenses, dental work, hospital visits, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi S3.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Liability car insurance

This can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, bail bonds, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, theft, hitting a deer, damage from a tornado or hurricane and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.