Best Audi A3 Insurance in Phoenix

Insurance rates Audi A3 in PhoenixAre you doing reasearch to find lower-priced Audi A3 insurance in Phoenix? I can’t think of anyone who looks forward to buying car insurance, especially when they could find better rates elsewhere.

It’s hard to believe, but nearly 70% of customers have been with the same company for a minimum of four years, and roughly 40% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,847, U.S. drivers could pocket $850 a year just by comparing rates, but they don’t want to spend time to do a rate comparison. Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a insurer to get the best price available on Audi A3 insurance in Phoenix.

The quickest method to get policy rate comparisons for Audi A3 insurance in Phoenix is to take advantage of the fact most of the larger companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide a small amount of information including if you are currently licensed, whether or not you need a SR-22, distance driven, and your occupation. That rating data is submitted instantly to multiple companies and they provide comparison quotes quickly.

To find lower cheaper Audi A3 insurance rates now, click here and see if a lower rate is available in Phoenix.

The providers in the list below are ready to provide price quotes in Phoenix, AZ. If the list has multiple companies, we recommend you compare several of them to find the cheapest car insurance rates.

Audi A3 Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $112 $246 $288 $18 $86 $750 $63
A3 2.0T Premium Plus Package $138 $284 $306 $18 $92 $838 $70
A3 2.0T Quattro $208 $426 $362 $22 $108 $1,126 $94
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific garaging location which can revise premiums greatly.

Should you buy full coverage?

The illustration below illustrates the comparison of Audi A3 insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no claims, a clean driving record, $1,000 deductibles, single male driver, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no exact formula that is best for determining when to drop comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Audi A3 book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If premium cost is more than $600 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Impact of careless driving on Phoenix auto insurance rates

The illustration below illustrates how traffic citations and accident claims can impact Audi A3 auto insurance costs for different categories of driver ages. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Why you need insurance

Despite the high cost, insuring your vehicle may be required and benefits you in several ways.

The benefits of having insurance more than cancel out the cost, especially for larger claims. An average driver in America is overpaying more than $855 a year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

What Determines Audi A3 Insurance Premiums?

A large part of saving on insurance is knowing the factors that aid in calculating your insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower rates.

Take policy discounts and save on Audi A3 insurance in Phoenix

The price of auto insurance can be rather high, but you may find discounts that can dramatically reduce your bill. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked about before they will apply.Cheaper insurance with discounts

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, you won’t be that lucky.

Popular insurance companies and the discounts they provide are shown below.

When quoting, ask each insurance company what discounts are available to you. Depending on the company, some discounts may not be offered in every state.

Local insurance agents

Certain consumers still prefer to sit down and talk to an agent and that is OK! Professional agents will help you protect your assets and help you file claims. One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates but also keep your business local.

Phoenix insurance agentsAfter completing this form (opens in new window), your coverage information gets sent to agents in your area who want to provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies because prices are sent to your email. In the event you want to get a comparison quote for a specific company, you can always go to their quote page and fill out the quote form the provide.

Choosing the best insurer requires more thought than just a cheap quote. These are some questions you should get answers to.

Different types of car insurance agents in Phoenix

When finding a good insurance agency, it’s helpful to know the different agency structures and how they can service your needs differently. Auto insurance agencies can be categorized as either independent agents or exclusive agents. Both can provide auto insurance policies, but it’s worth mentioning how they are different since it can affect which agent you choose.

Exclusive Auto Insurance Agencies

Exclusive insurance agents can only place business with one company and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Listed below are exclusive agents in Phoenix that are able to give price quotes.

4225 W Bell RdPhoenix, AZ 85053(602) 938-4491View Map

6146 N 35th Ave #103Phoenix, AZ 85017(602) 242-4141View Map

2600 N 44th St #110Phoenix, AZ 85008(602) 840-6655View Map

More insurance agents

Independent Agencies or Brokers

Independent agents do not have single company limitations so as a result can place your coverage through many different auto insurance companies and get you the best rates possible. If your premiums go up, the business is moved internally and you won’t have to switch agencies. When searching for an agent, you need to include rate quotes from at least one independent agent to maximize your price options.

Shown below is a list of independent agents in Phoenix willing to provide rate quotes.

919 N 1st StPhoenix, AZ 85004(602) 264-0566View Map

5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map

4411 N 19th AvePhoenix, AZ 85015(800) 972-1893View Map

More insurance agents

In conclusion

We just showed you many ways to compare Audi A3 insurance premium rates in Phoenix. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even find the biggest savings come from some of the lesser-known companies. These companies may only write in your state and offer lower prices than the large multi-state companies such as GEICO and State Farm.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In many instances, someone dropped liability coverage limits only to regret that it was a big mistake. Your goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Much more information about auto insurance in Arizona can be found on the following sites: