Best Ways to Save on San Antonio Audi A3 Insurance

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Want to know how to find more competitive Audi A3 insurance in San Antonio? Finding cheap prices for Audi A3 insurance in San Antonio can be very difficult for drivers not familiar with quoting and comparing rates online. With literally dozens of online companies, it can turn into more work than you anticipated to compare prices on Audi A3 insurance.

Discount Audi A3 insuranceAnyone knows that auto insurance companies want to prevent you from shopping around. Drivers who shop for lower prices are highly likely to switch insurance companies because the odds are good of finding lower rate quotes. A recent insurance study discovered that consumers who shopped around saved about $3,450 over four years compared to those who never compared prices.

If finding the lowest price for auto insurance in San Antonio is your objective, understanding how to get price quotes and compare coverages can help you be more efficient.

The majority of larger companies like State Farm and Allstate give pricing from their websites. Doing online quotes for Audi A3 insurance in San Antonio doesn't take much effort because it's just a matter of typing in your required coverages into the quote form. After you submit the form their rating system gets your credit score and driving record and generates a price based on these and other factors.

The ability to get online quotes for Audi A3 insurance in San Antonio makes it easy to compare insurance prices and it's also necessary to do this if you are searching for affordable auto insurance pricing.

To quickly compare rates now, compare rates now from the companies shown below. If you have a policy now, it's recommended you type in the insurance coverages identical to your current policy. This helps ensure you will have a fair comparison based on similar coverages.

The companies shown below have been selected to offer price quotes in San Antonio, TX. If more than one company is shown, we suggest you visit as many as you can in order to find the most competitive rates.

Audi A3 insurance coverage information

The information shown next outlines estimates of coverage costs for Audi A3 models. Understanding how prices are established can aid in making smart policy decisions.

Audi A3 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $266 $580 $514 $30 $154 $1,544 $129
A3 2.0T Premium Plus Package $266 $580 $514 $30 $154 $1,544 $129
A3 2.0T Quattro $300 $580 $514 $30 $154 $1,578 $132
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in San Antonio location which can increase or decrease coverage prices significantly.

Where to set your deductibles

One frequently asked question is how high should the deductibles for physical damage be. The rates shown below outline the differences in premium rates when you select higher and lower insurance deductibles. The first data set uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Audi A3 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $294 $584 $382 $22 $114 $1,421 $118
A3 2.0T Premium Plus Package $294 $584 $382 $22 $114 $1,421 $118
A3 2.0T Quattro $332 $584 $382 $22 $114 $1,459 $122
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Audi A3 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $182 $368 $382 $22 $114 $1,068 $89
A3 2.0T Premium Plus Package $182 $368 $382 $22 $114 $1,068 $89
A3 2.0T Quattro $206 $368 $382 $22 $114 $1,092 $91
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can increase or decrease prices significantly.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $29 more each month or $348 every year averaged for all A3 models than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 26 months between claim filings, you would most likely save money by going with a higher deductible. The illustration below shows the way this calculation is made.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important note is that raising deductibles means you will have to pay more of your own money at claim time. You need to have enough savings in the event you need to pay the deductible for vehicle repair.

The illustration below demonstrates how deductibles and can raise or lower Audi A3 insurance costs for different age categories. The premium estimates are based on a single female driver, comp and collision included, and no discounts are factored in.

Difference between full coverage and liability only rates

The chart below compares Audi A3 yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive guideline for excluding full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Audi A3 settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after you pay the deductible. If it's costing you more than $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.

You Can Change Your Insurance Premiums

A large part of saving on insurance is knowing some of the factors that are used to determine insurance rates. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower premium levels.

  • Tickets drive up costs - Even a single ticket could increase your next policy renewal twenty percent or more. Careful drivers get better rates compared to bad drivers. Drivers who have gotten flagrant citations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state in order to continue driving.

    The information below shows how violations and at-fault fender-benders influence Audi A3 insurance prices for each different age group. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

  • Safer vehicles cost less to insure - Vehicles that have high safety ratings get lower rates. The safest vehicles reduce the chance of injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Impacts performance impacts auto insurance rates - The make and model of the car you are buying insurance for makes a big difference in your car insurance bill. Lower performance four cylinder passenger cars normally have pretty low rates, but there are many factors that impact the final cost.

    The following data assumes a married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Audi A3 car insurance rates compared to other makes and models that have a range of risk factors.

  • Poor credit rating equals high prices - Having a bad credit score will be a significant factor in determining premium rates. Drivers with high credit ratings tend to file fewer claims than those with lower credit ratings. If your credit history is not that good, you could be paying less to insure your Audi A3 by improving your rating.
  • Lower rates with a multi-policy discount - Some companies provide discounts to people that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to as much as ten percent or more If you currently are using one company, consumers should still compare other San Antonio A3 insurance rates to make sure you are getting the best deal.
  • Your gender affects costs - The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Both genders have accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Men also receive more major tickets such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.

    The illustration below compares Audi A3 insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

  • Insurance losses for an Audi A3 - Insurance companies analyze historical claim data when they calculate premium rates for each model. Models that are shown to have higher frequency or amount of claims will have increased rates.

    The next table illustrates the insurance loss data for Audi A3 vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make or model, equals 100. Percentage numbers below 100 indicate a favorable loss history, while percentages above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

    Insurance Loss Ratings for Audi A3 Vehicles
    Specific Audi 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

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance does more than just repair your car

Despite the fact that car insurance is not cheap in San Antonio, insuring your vehicle may not be optional for several reasons.

  • The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your vehicle has a lienholder, it's most likely the lender will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Audi at an extremely high rate and force you to reimburse them the higher premium.
  • Car insurance protects both your Audi and your personal assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, your car insurance policy will cover the repair costs.

The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $865 each year so compare rate quotes once a year at a minimum to make sure the price is not too high.