If you are new to online insurance, it’s easy to be overwhelmed by the large number of online companies that all say they have the best rates for Audi Q3 insurance in Phoenix.
Unbelievable but true, most insurance customers kept buying from the same company for at least four years, and virtually 40% of consumers have never compared rates from other carriers. Consumers in Phoenix could save an average of nearly $733 each year by just comparing rate quotes, but they underestimate how much they could save if they switched to a more affordable policy.
Locating the best rates in Phoenix seems hard but is not really that difficult. Basically, every driver who is overpaying for car insurance stands a good chance to find a lower-cost company. Although Arizona consumers must learn the methods companies use to sell online and use it to your advantage.
Why Your Insurance Prices might be higher
Many things are used in the calculation when premium rates are determined. Some are pretty understandable such as traffic violations, but other factors are more transparent such as your credit history or your commute time.
Rates are affected by your address – Choosing to live in areas with lower population has it’s advantages when buying auto insurance. Drivers who live in large cities have traffic congestion and more time behind the wheel. Fewer drivers means reduced accidents.
Commute or pleasure use – The higher the miles on your Audi in a year the higher your rates will be. Almost all companies charge to insure your cars based on how the vehicle is used. Cars used primarily for pleasure use can be on a lower rate level than those used for commuting. An incorrectly rated Q3 is throwing money out the window. Verify your policy correctly shows the correct usage for each vehicle.
Being married can save on auto insurance – Getting married may earn you lower rates when shopping for auto insurance. Marriage means you’re more financially stable and it’s proven that being married results in fewer claims.
Does your job cost you more? – Did you know your auto insurance rates can be affected by your occupation? Jobs like judges, executives and miners tend to pay higher average rates due to intense work-related stress and long work hours. Conversely, jobs such as professors, athletes and homemakers generally pay rates lower than average.
Teenage drivers cost more – Teenage drivers in Arizona are proven to be easily distracted when at the wheel of a vehicle so auto insurance rates are higher. Having to add a youthful driver onto a policy can cause a big jump in price. Mature drivers are more cautious drivers, file fewer claims, and get fewer tickets.
Loss statistics for an Audi Q3 – Insurance companies analyze claim trends for every vehicle when they calculate premium rates for each model. Models that historically have higher claim frequency or loss amount will have a higher premium rate.
The next table illustrates the historical loss data for Audi Q3 vehicles. For each type of coverage, the statistical loss for all vehicles averaged together is equal to 100. Values below 100 indicate better than average losses, while values over 100 point to more losses or larger claims.
Audi Q3 Insurance Loss Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi Q3 4WD||116||69||94|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
The easiest way to compare car insurance rates for Audi Q3 insurance in Phoenix takes advantage of the fact car insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including how old drivers are, how many miles driven, what you do for a living, and whether your vehicle is owned or leased. That rating information gets sent immediately to all major companies and you receive quotes with very little delay.
To check rates for your Audi Q3 now, click here then complete the form.
The providers in the list below provide quotes in Phoenix, AZ. If several companies are displayed, we recommend you compare several of them to get the lowest price.
Insurance is an important decision
Despite the high insurance cost for a Audi Q3 in Phoenix, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Q3 with a loan, more than likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Audi at a significantly higher premium and make you pay much more than you were paying before.
Third, insurance protects both your car and your personal assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses in the event you are sued. If your Audi gets damaged, your policy will pay to have it repaired.
The benefits of buying enough insurance outweigh the cost, particularly if you ever have a claim. But the average driver in Arizona is overpaying over $865 each year so smart consumers compare quotes at every renewal to save money.
Phoenix insurance discounts for an Audi Q3
Some insurance providers don’t always list every policy discount in a way that’s easy to find, so the next list breaks down both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Phoenix auto insurance online.
- Professional Organizations – Belonging to qualifying clubs or civic groups could qualify you for a break on your next renewal.
- Low Miles Discount – Fewer annual miles on your Audi could earn better prices on cars that stay parked.
- Data Collection Discounts – Phoenix drivers who agree to allow data collection to scrutinize driving habits by using a telematics device such as State Farm’s In-Drive could save a few bucks if they are good drivers.
- Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared to bad drivers.
- Homeowners Savings – Simply owning a home can get you a discount because owning a home is proof that your finances are in order.
Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, that’s just not realistic.
To find providers that offer the discounts shown above in Phoenix, follow this link.
Shop online but buy locally
A small number of people prefer to get professional advice from a licensed agent and that is a personal choice. A good thing about comparing rate quotes online is the fact that you can find the best rates and still have a local agent.
After completing this short form, the quote information is immediately sent to companies in Phoenix that provide free Phoenix auto insurance quotes for your insurance coverage. You won’t need to leave your computer since price quotes are sent to the email address you provide. It’s the lowest rates AND a local agent. If for some reason you want to get a price quote from a specific insurance provider, just search and find their rate quote page and complete a quote there.
Picking the best insurer is decision based upon more than just the premium amount. The answers to these questions are important, too.
- Is insurance their full-time profession?
- Is assistance available after office hours?
- Will you work with the agent or an assistant?
- Is the agency involved in supporting local community causes?
- Do they reduce claim amounts on high mileage vehicles?
- Can they give you a list of client referrals?
If you prefer to buy insurance from local Phoenix agents, you need to know there are two types of insurance agents that you can select. Phoenix agents may be either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates and some examples include Farmers Insurance or State Farm. They generally cannot place coverage with different providers so you might not find the best rates. Exclusive agencies are usually well trained on what they offer and that enables them to sell even at higher rates. Some insured continue to purchase coverage from exclusives mainly due to loyalty to the company instead of buying on price only.
Shown below are Phoenix exclusive agents who may provide you with price quote information.
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
- Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
Independent Insurance Agents
Agents that choose to be independent are not restricted to one company and that is an advantage because they can write policies with an assortment of companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and the insured can keep the same agent.
If you need lower rates, you should always compare prices from at least one independent agent for maximum quote selection. A lot of them also have access to mutual insurance companies which can save you money.
Shown below are Phoenix independent insurance agents willing to provide rate quotes.
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
There’s no such thing as the perfect car insurance policy
When quoting and comparing insurance from an agent or online, there isn’t really a single plan that fits everyone. Your needs are unique to you so your insurance needs to address that.
Here are some questions about coverages that might point out if your situation may require specific advice.
- Can my teen drive my company car?
- Why am I required to get a high-risk car insurance policy?
- What states are considered no-fault?
- Should I file a claim if it’s only slightly more than my deductible?
- When would I need rental car insurance?
- Does my Audi Q3 need full coverage?
- What is the minimum liability in Arizona?
- Can my teen driver be rated on a liability-only vehicle?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Quote more and you will save more
Affordable Audi Q3 insurance in Phoenix is definitely available on the web and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and usually these small, regional companies prefer to sell through independent agents.
As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best price.
Additional insurance information can be read at the links below
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota RAV4? (FAQ)
- How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Drivers in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Phoenix? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Insurance Losses by Make and Model (iihs.org)
- All About Airbag Safety (State Farm)
- Safety Features for Your New Car (State Farm)