Compare Audi A3 Insurance Quotes in Atlanta

Buying lower priced Atlanta Audi A3 insurance quotes over the internet can seem to be rather challenging for beginners to online price comparisons. With a ridiculous number of companies in the marketplace, how can you have the ability to compare them all to find the cheapest available price?

Statistics show that a large majority of consumers have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never compared quotes from other companies. The average driver in Georgia could save an average of almost 60% each year just by getting comparison quotes, but most undervalue the actual amount they would save if they moved their coverage to a different company.

It is always a good idea to price shop coverage at least once a year because insurance prices go up and down regularly. If you had the best price on Audi A3 insurance in Atlanta a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we’re going to show you the best way to save on auto insurance.

Choosing the best rates in Atlanta is really quite easy. If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper auto insurance using the ideas you’re about to read. Nevertheless, Georgia car owners benefit from understanding the way insurance companies set your policy premium and apply this information to your search.

There are several ways to compare rate quotes from all the different companies. One of the best ways to find cheaper Audi A3 rates involves getting comparison quotes online.

Keep in mind that quoting more helps locate the best rates. Not every company does Atlanta A3 insurance quotes online, so you need to compare price estimates from them as well.

The companies shown below can provide price quotes in Georgia. If the list has multiple companies, it’s a good idea that you visit as many as you can to get the best price comparison.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in garaging location in Atlanta which can increase or decrease coverage prices noticeably.

Policy deductible comparison

The information below shows how choosing a deductible and can influence Audi A3 annual premium costs for different age groups of insureds. The data is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Comparison of car insurance rates by gender

The illustration below compares Audi A3 car insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Comparison of policy deductibles

One of the most common car insurance questions is at what level do you set your deductibles. The data tables below sum up the cost difference when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact rates considerably.

Based on the above data, using a $100 deductible could cost the average driver approximately $29 more each month or $348 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would save money if you decide on a higher deductible.

One thing to be aware of is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You must have some extra funds in the event you need to pay the deductible to have repairs made.

Slash rates with these discounts

Companies offering auto insurance don’t always list every discount available very well, so the below list has both the well known as well as some of the hidden discounts you could be receiving when you buy Atlanta car insurance online.

• Buy New and Save – Insuring a vehicle that is new is cheaper because new model year vehicles keep occupants safer.
• Driver Safety – Completing a defensive driver course could cut 5% off your bill and also improve your driving technique.
• Onboard Data Collection – Drivers who elect to allow data collection to analyze driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
• Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life insurance policy as well.
• Federal Government Employee – Employees or retirees of the government could provide a small rate reduction depending on your car insurance provider.
• ABS Brakes – Vehicles equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
• More Vehicles More Savings – Drivers who insure several vehicles on the same car insurance policy can get a discount for every vehicle.
• One Accident Forgiven – Not necessarily a discount, but companies like Allstate and GEICO will let one accident slide before hitting you with a surcharge if your claims history is clear prior to the accident.
• Drive Less and Save – Maintaining low annual mileage can earn discounted rates on garaged vehicles.
• Passive Restraint Discount – Vehicles with factory air bags may qualify for discounts of 25 to 30%.

Discounts save money, but please remember that many deductions do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A few popular companies and a selection of discounts are outlined below.

• GEICO includes discounts for membership and employees, air bags, seat belt use, five-year accident-free, and federal employee.
• MetLife has savings for claim-free, good driver, multi-policy, good student, defensive driver, and accident-free.
• Progressive policyholders can earn discounts including good student, homeowner, online signing, multi-policy, continuous coverage, and online quote discount.
• Travelers offers premium reductions for continuous insurance, payment discounts, hybrid/electric vehicle, new car, and good student.
• SAFECO may offer discounts for bundle discounts, accident prevention training, teen safe driver, multi-car, homeowner, anti-lock brakes, and drive less.
• AAA offers discounts for multi-policy, AAA membership discount, education and occupation, good student, pay-in-full, anti-theft, and multi-car.

When quoting, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in every state. For a list of car insurance companies offering car insurance discounts in Georgia, follow this link.

Choosing the best A3 insurance in Georgia is an important decision

Even though it can be expensive, paying for insurance may be mandatory for several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability coverage if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your A3 with a loan, more than likely the lender will force you to carry insurance to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Audi at a much higher premium rate and force you to pay the higher premium.

Third, insurance protects both your Audi and your personal assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage.

The benefits of insuring your A3 more than offset the price you pay, particularly for liability claims. On average, a vehicle owner in Atlanta is wasting up to $869 every year so it’s very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Auto insurance agents can find coverage gaps

Certain consumers prefer to have an agent’s advice and we recommend doing that An additional benefit of comparing car insurance online is that you can find the best rates but also keep your business local.

Upon completion of this quick form, the quote information is transmitted to companies in Atlanta who will give you bids for your coverage. It makes it easy because there is no need to leave your house because prices are sent immediately to your email address. You can most likely find cheaper rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, just search and find their rate quote page to submit a rate quote request.

Picking an company should depend on more than just a cheap price quote. You should also get answers to these questions.

• How long has their agency been open in Atlanta?
• Will the quote change when the policy is issued?
• Do they offer claims assistance after hours?
• What insurance companies do they recommend if they are an independent agent?
• Do they get extra compensation for selling add-on coverages?
• What company holds the largest book of business for them?
• Are they able to influence company decisions when a claim is filed?

Shown below is a list of insurance companies in Atlanta that may be able to provide rate quotes for Audi A3 insurance in Atlanta.

• Gibb Insurance Agency
  991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
• Discount Auto Insurance Agency Inc
  1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map
• Allstate Insurance: Enrico Lewis
  777 Cleveland Ave SW Ste 104 – Atlanta, GA 30315 – (404) 761-9556 – View Map
• Allstate Insurance: Laura Leidigh
  7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 – View Map

View more Atlanta agents

Once you have good responses and locked in a price quote, most likely you have located an provider that meets the criteria to properly service your car insurance policy.