Best Insurance for an Audi A3 in San Diego

Would you like to save money by finding low-cost auto insurance rates in San Diego, CA? San Diego drivers have options when trying to find the lowest priced Audi A3 insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to quote coverages for a new or used Audi and get the cheapest rates.

You should take the time to do rate comparisons as often as possible since insurance prices are rarely the same from one policy term to another. Just because you had the best rates on Audi A3 insurance in San Diego a few years ago you may be paying too much now. You can search a lot of A3 insurance online but in this article, you’re going to get some of the best ways to slash your auto insurance rates in San Diego.

If you have coverage now or are just looking to switch companies, use these money-saving tips to save money without having to cut coverage. We hope to help educate you on how car insurance quotes work and also pocket some savings Vehicle owners just have to use the fastest way to compare prices instantly.

The following companies are our best choices to provide comparison quotes in San Diego, CA. If multiple companies are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can raise or lower auto insurance rates noticeably.

Policy deductible comparison

The diagram below shows how choosing a deductible and can influence Audi A3 yearly insurance costs for different insured age categories. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

Insurance rate increases from tickets or accidents

The example below shows how speeding tickets and at-fault accidents can affect Audi A3 car insurance rates for different age categories. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is the level to set your comp and collision deductibles. The rates below highlight how much more rates are between low and high deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in your specific San Diego location which can impact insurance rates noticeably.

Based on these figures, using a $250 deductible will cost in the ballpark of $18 more each month or $216 each year than selecting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 14 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Get cheaper Audi A3 insurance in San Diego with discounts

Some providers don’t always list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of some of the best known as well as the least known credits available to bring down your rates.

• Driving Data Discount – Insureds that choose to allow their auto insurance company to track when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as the data is positive.
• 55 and Retired – Older drivers could receive a small discount on rates.
• Include Life Insurance and Save – Larger companies have a small discount if you purchase auto and life insurance together.
• Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may save 10% to 20% off each policy.
• Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
• Student Driver Training – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
• Distant College Student Discount – College-age children who live away from home at college and do not have a car could qualify for this discount.
• Organization Discounts – Being a member of certain professional organizations could earn you a nice discount when getting a San Diego auto insurance quote.
• Buy New and Save – Insuring a new A3 may earn a small discount because new model year vehicles are generally safer.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works. But any discount will lower your policy cost.

To choose providers who offer discounts in California, click this link.

Why you need to buy insurance

Despite the high cost, insurance may be mandatory for several reasons.

• The majority of states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage if you want to drive legally. In California 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 have a loan on your Audi A3, most banks will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Audi for a lot more money and require you to pay for it.
• Insurance safeguards both your car and your personal assets. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying over $869 every year so shop around at least once a year to save money.

Will just any policy work for me?

When it comes to buying your policy for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you may require specific advice.

• What does PIP insurance cover?
• When should I have rental car coverage?
• Is coverage enough to protect my assets?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can I afford to buy a different vehicle if my Audi A3 is totaled?
• Am I covered when using my vehicle for business?
• How much underlying liability do I need for an umbrella policy?
• Is my Audi A3 covered for flood damage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

You may need help from an agent

Some consumers just want to go talk to an agent and that is recommended in a lot of cases Good agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing insurance online is that you can find cheap insurance quotes and still buy from a local agent. Buying from neighborhood agents is important particularly in San Diego.

To help locate an agent, after submitting this short form, the quote information is instantly submitted to participating agents in San Diego who will give competitive quotes for your coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent to you. In the event you want to get a rate quote for a specific company, you can always visit that company’s website to submit a rate quote request.

The type of auto insurance agent you choose is important

If you would like to find a local San Diego insurance agency, you must know there are a couple different types of agents and how they can write your policy. Agents are considered either independent or exclusive. Both handle insurance, but it’s important to know the subtle differences since it can affect the type of agent you choose.

Independent Insurance Agencies or Brokers

Independent agents are not restricted to one company and that allows them to write policies with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you stay with the same agent.

When comparison shopping, we highly recommend that you get several quotes from a few independent agents to get the best comparison. A lot of them also have access to companies you’ve never heard of that can offer cheaper rates than bigger companies.

Featured below is a short list of independent insurance agencies in San Diego who can help you get competitive price quotes.

• Alcott Insurance
  3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map
• Einhorn Insurance
  3940 Hancock St – San Diego, CA 92110 – (858) 336-4644 – View Map
• Rubin Insurance
  6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 – View Map

View more agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company and examples are Allstate, State Farm and Farm Bureau. They generally cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are well trained on sales techniques and that can be a competitive advantage. Drivers often purchase coverage from exclusives mostly because of the brand name rather than having the cheapest rates.

Below is a list of exclusive insurance agencies in San Diego who can help you get price quotes.

• Allstate Insurance: Patrick Wang
  8650 Genesee Ave Ste 108 – San Diego, CA 92122 – (858) 623-3344 – View Map
• Bob Beron – State Farm Insurance Agent
  3232 Governor Dr c – San Diego, CA 92122 – (858) 453-7250 – View Map
• Mike Davis – State Farm Insurance Agent
  2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412 – View Map

View more agents

Deciding on a auto insurance agent is decision based upon more than just a cheap quote. These are some questions your agent should answer.

• Are there any discounts for paying up front?
• Will the agent help in case of a claim?
• How long has their agency been in business in San Diego?
• Which companies do they recommend if they are an independent agency?
• How does the company pay claims for a total loss?

After talking to the agent and getting satisfactory answers for all questions you ask as well as offering an affordable quote, you’ve probably found an insurance agency that can be trusted to insure your vehicles.