Save Money on Audi A3 Insurance in Pittsburgh

Are you irritated from scraping nickels together to buy car insurance? You are in the same boat as many other Pennsylvania consumers.

Sad but true, nearly 70% of customers have bought car insurance from the same company for a minimum of four years, and just short of a majority have never compared car insurance rates at all. With the average premium in Pennsylvania being $1,360, drivers can save 55% each year, but they assume it’s a waste of time to go online and compare rates.

Steps to saving money on Audi A3 insurance in Pittsburgh

The preferred way to get more affordable Audi A3 insurance in Pittsburgh is to start doing an annual price comparison from companies in Pennsylvania. You can compare rates by completing these steps.

• Step 1: Get a basic knowledge of how your policy works and the things you can control to keep rates in check. Many risk factors that cause rate increases such as traffic citations, accidents, and a not-so-good credit history can be eliminated by making minor changes to your lifestyle.
• Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple insurance companies. View a list of agents
• Step 3: Compare the price quotes to your existing coverage and determine if cheaper A3 coverage is available. If you find a lower rate quote, make sure there is no coverage gap between policies.

An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on every price quote and and to analyze every insurance company. Doing this ensures an accurate price comparison and the best price selection.

Popular companies such as Allstate, Progressive and GEICO continually bombard you with advertising and it is difficult to ignore the propaganda and find the best price available.

It’s smart to do price comparisons occasionally because car insurance prices are rarely the same from one policy term to another. If you had the best deal on Audi A3 insurance in Pittsburgh on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to find the best coverage while lowering your premiums.

If you are already insured, you will surely be able to cut your premiums using the ideas you’re about to read. Finding the cheapest insurance coverage in Pittsburgh is actually very simple if you learn how to start. Although Pennsylvania car owners can benefit by having an understanding of how big insurance companies determine prices and use this information to your advantage.

The method we recommend to compare insurance rates from multiple companies is to know almost all companies participate in a system to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including how much school you completed, how many miles driven, if you’re married, and if a SR-22 is needed. The rating information is submitted instantly to all major companies and they return quotes quickly.

If you would like to compare rates now, click here and complete the quick form.

The companies shown below have been selected to offer comparison quotes in Pennsylvania. To get the cheapest auto insurance in Pennsylvania, we suggest you compare several of them in order to find the lowest rates.

Best reasons to buy car insurance in Pennsylvania

Despite the potentially high cost of Audi A3 insurance, paying for car insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

• The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your A3 with a loan, most banks will force you to buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Audi for a much higher rate and force you to pay the higher price.
• Insurance protects not only your car but also your financial assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If your Audi gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car definitely exceed the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $800 each year so shop around at every policy renewal to be sure current rates are still competitive.

Rates and other information

The rate table displayed below highlights a range of insurance coverage prices for Audi A3 models. Having knowledge of how insurance policy rates are determined can assist in making decisions when shopping your coverage around.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific location information which can decrease or increase coverage prices substantially.

Where to set your deductibles

One common question asked by Pittsburgh drivers is how high should your deductibles be. The following insurance rates illustrate the rate differences between high and low comp and collision deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Pittsburgh which can modify price quotes considerably.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $36 more each month or $432 every year averaged for all A3 models than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 25 months between claim filings, you would probably save some money if you choose the higher deductible.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Audi A3 auto insurance rates with liability coverage only compared to full coverage. The costs are based on no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to phase out physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Audi A3 settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Discounts can help lower rates on Audi A3 insurance in Pittsburgh

Auto insurance companies don’t list every discount very well, so we researched some of the best known as well as the least known discounts that you can inquire about if you buy Pittsburgh auto insurance online. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Early Signing – A few companies allow discounts for buying a policy prior to your current A3 insurance policy expiring. This can save 10% or more.
• Accident Waiver – This one isn’t a discount, but companies like Progressive, State Farm and GEICO may permit one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Anti-lock Brakes – Vehicles with ABS and/or traction control are much safer to drive and will save you 10% or more on A3 insurance in Pittsburgh.
• Discounts for New Vehicles – Buying a new car instead of a used A3 is cheaper because newer vehicles are generally safer.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
• Low Mileage Discounts – Maintaining low annual mileage could qualify for slightly better prices than normal.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

The information below visualizes the comparison of Audi A3 annual premium costs with and without policy discounts. The prices are based on a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.

To view insurance companies who offer auto insurance discounts in Pennsylvania, follow this link.

Which is the best auto insurance?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are unique to you.

For instance, these questions might point out whether your personal situation may require specific advice.

• What if I don’t agree with a claim settlement offer?
• What is the difference between comprehensive and collision coverage?
• Why do I need rental car insurance?
• Are my friends covered when driving my car?
• How much cheaper are high deductibles?
• When should I drop full coverage on my Audi A3?
• Why am I required to get a high-risk car insurance policy?
• Are rock chip repairs covered?
• Can I drive in Mexico and have coverage?
• Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

What is the best auto insurance company in Pennsylvania?

Buying coverage from a good quality insurance company can be a challenge considering how many companies there are to choose from in Pennsylvania. The ranking data listed below could help you pick which companies to look at purchasing from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

Top 10 Pittsburgh Car Insurance Companies Overall

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA