Cheap Audi A3 Insurance in Virginia Beach

It takes a few minutes, but the best way to find cheaper prices for auto insurance rates in Virginia Beach is to start doing an annual price comparison from insurers in Virginia.

  1. Learn about how companies set rates and the steps you can take to lower rates. Many risk factors that are responsible for high rates like multiple speeding tickets and a substandard credit history can be improved by paying attention to minor details. Keep reading for instructions to get affordable coverage and find discounts that may have been missed.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.
  3. Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price, ensure coverage does not lapse between policies.
  4. Notify your company or agent of your decision to cancel your current policy and submit a down payment along with a signed application to your new agent or company. Once the application is submitted, place the new proof of insurance certificate in your glove compartment.

One piece of advice is to make sure you enter the same deductibles and limits on each quote request and and to look at as many different companies as possible. Doing this provides a level playing field and the most accurate and complete price analysis.

Discount Audi A3 insuranceUnfortunately, the vast majority of drivers kept buying from the same company for well over three years, and almost half have never quoted insurance rates at all. Many drivers in America can cut their rates by as much as $860 a year, but most just don’t grasp the big savings they would realize if they switched.

Rates and other information

The premium table below highlights detailed analysis of insurance rates for Audi A3 models. Being aware of how insurance rates are determined helps drivers make decisions when shopping your coverage around.

Audi A3 Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $190 $446 $334 $20 $100 $1,090 $91
A3 2.0T Premium Plus Package $190 $446 $334 $20 $100 $1,090 $91
A3 2.0T Quattro $216 $446 $334 $20 $100 $1,116 $93
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can change prices considerably.

Raise deductibles and save

One common question asked by Virginia Beach drivers is how high should the physical damage deductibles be. The rates shown below help summarize the difference in cost between low and high insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Audi A3 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $198 $394 $258 $16 $78 $969 $81
A3 2.0T Premium Plus Package $198 $394 $258 $16 $78 $969 $81
A3 2.0T Quattro $224 $394 $258 $16 $78 $995 $83
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Audi A3 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $162 $318 $258 $16 $78 $832 $69
A3 2.0T Premium Plus Package $162 $318 $258 $16 $78 $832 $69
A3 2.0T Quattro $182 $318 $258 $16 $78 $852 $71
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Virginia Beach garaging location which can increase or decrease insurance rates noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $12 more each month or $144 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 21 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Car insurance premiums based on gender

The chart below shows the comparison of Audi A3 auto insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The information below visualizes the comparison of Audi A3 annual premium costs when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are applied.

When to eliminate full coverage

There isn’t a steadfast formula that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Audi A3 claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after paying the physical damage deductible. If you are paying over $500 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Get lower-cost rates with these ten discounts

The price of auto insurance can be rather high, but you might find some hidden discounts to help offset the cost. A few discounts will be applied when you purchase, but some need to be specially asked for before being credited. If you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.Save money with discounts

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The illustration below visualizes the comparison of Audi A3 insurance costs with and without discounts applied. The premiums are based on a female driver, no claims or violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

Larger car insurance companies and some of the discounts can be read below.

When quoting, ask every insurance company what discounts are available to you. Savings may not be offered in Virginia Beach. To see a list of insurers that offer the discounts shown above in Virginia Beach, click this link.

Learn about auto insurance coverages for an Audi A3

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many Virginia drivers have only the minimum liability required by law (25/50/20), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision coverage pays for damage to your A3 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible on your A3 to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hitting a deer, fire damage, damage from getting keyed and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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 limits of 25/50/20 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property.

Liability coverage pays for things such as bail bonds, pain and suffering, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Virginia requires drivers to carry at least 25/50/20 but drivers should carry better liability coverage.

The next chart demonstrates why minimum state limits may not provide you with enough coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, prosthetic devices, EMT expenses, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Ratings for Virginia Beach car insurance companies

Picking a good quality insurance company can be a challenge considering how many companies sell insurance in Virginia. The rank data displayed below can help you choose which car insurance companies you want to consider comparing rates from.

Top 10 Virginia Beach Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Compare but don’t skimp

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

We just covered many tips how you can reduce Audi A3 insurance rates online in Virginia Beach. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

Additional auto insurance information is located at these links: