How to Save on Lincoln Audi A3 Insurance

If you want to save the most money, the best way to get more affordable Audi A3 insurance is to compare quotes once a year from companies in Lincoln. Rates can be compared by completing these steps.

  1. Learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many rating factors that result in higher rates like speeding and an unacceptable credit score can be amended by making minor changes to your lifestyle.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide prices from multiple sources. View insurance agents
  3. Compare the price quotes to your existing rates and determine if cheaper A3 coverage is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.
  4. Tell your current company of your intention to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to your new insurance company. Once coverage is bound, place your new certificate of insurance in your glove compartment.

A key point to remember is to try to use the same deductibles and limits on every quote request and and to get quotes from as many carriers as you can. This provides an apples-to-apples comparison and a complete selection of prices.

Insurance quote for Audi A3 in LincolnIt’s safe to conclude that auto insurance companies want to prevent you from shopping around. People who shop around for a cheaper policy are likely to buy a new policy because there is a great chance of finding coverage at a cheaper rate. A recent study showed that consumers who shopped around every year saved on average $72 a month compared to people who never shopped around for lower prices.

If finding the lowest price on insurance is your ultimate target, then having some knowledge of how to shop for insurance coverage can make the process more efficient.

If you are already insured or just want cheaper coverage, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable auto insurance coverage in Lincoln can be made easier if you know where to look. Drivers only need to know the quickest way to find the lowest price online.

The easiest way to compare rates for Audi A3 insurance in Lincoln is to realize most insurance companies actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is give the companies some data including if you lease or own, marital status, how old drivers are, and types of safety features. The rating information is sent automatically to many different companies and they return rate quotes within a short period of time.

To start a quote now, click here and complete the quick form.

The companies shown below have been selected to offer comparison quotes in Nebraska. To locate cheap car insurance in Nebraska, it’s a good idea that you click on several of them to get the lowest price.

Discount Lincoln auto insurance rates

Insurance can be prohibitively expensive, but there could be significant discounts that could drop your premiums quite a bit. Most are applied when you purchase, but once in a while a discount must be manually applied before you will receive the discount.Discount auto insurance

Discounts lower rates, but many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will lower the premium cost.

The information below illustrates the comparison of Audi A3 annual premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

A partial list of companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Some credits might not be available to policyholders in Lincoln.

Coverage information

The rate information shown below showcases different prices for Audi A3 models. Learning as much as possible about how insurance premiums are figured can help guide drivers when making smart choices when buying a car insurance policy.

Audi A3 Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $210 $456 $404 $24 $122 $1,216 $101
A3 2.0T Premium Plus Package $210 $456 $404 $24 $122 $1,216 $101
A3 2.0T Quattro $236 $456 $404 $24 $122 $1,242 $104
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rates do not factor in specific location information which can affect premium rates considerably.

Deductible analysis

A question often asked by Lincoln drivers is where to set your physical damage deductibles. The premium rates below determine the differences in premium rates when you choose different physical damage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Audi A3 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $232 $460 $300 $18 $90 $1,125 $94
A3 2.0T Premium Plus Package $232 $460 $300 $18 $90 $1,125 $94
A3 2.0T Quattro $262 $460 $300 $18 $90 $1,155 $96
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Audi A3 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $144 $290 $300 $18 $90 $842 $70
A3 2.0T Premium Plus Package $144 $290 $300 $18 $90 $842 $70
A3 2.0T Quattro $162 $290 $300 $18 $90 $860 $72
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific Lincoln garaging location which can alter rates greatly.

Based on this data, using a $250 deductible costs roughly $24 more each month or $288 a year than requesting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 31 months between claim filings, you would probably save some money if you choose a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important thing to remember is that increasing deductibles to save money means you will have to pay more when you have a claim. You will want to have enough extra savings in order to pay more for the deductible.

The chart below illustrates how choosing a deductible and can change Audi A3 insurance costs for different age groups of insureds. The rates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Auto insurance premiums based on gender

The example below shows the difference between Audi A3 insurance rates for male and female drivers. The premium estimates are based on no claims or violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

Why Smart Consumers Pay Less for Audi A3 Insurance

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get much lower annual insurance costs. Many things are considered when pricing auto insurance. Most are fairly basic such as your driving history, but some are less obvious such as whether you are married or your vehicle rating.

The factors shown below are some of the most rate-impacting factors companies use to determine your premiums.

Get better rates if married – Getting married helps lower the price on insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.

Pay more for higher performance vehicles – The performance level of the car you drive makes a significant difference in determining your rates. The cheapest rates are usually found on the lowest performance passenger cars, but your final cost has many other factors.

The following data assumes a single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Audi A3 insurance rates compared to other vehicles that have a range of performances.

Drive less and save – The more you drive your Audi every year the more it will cost to insure it. Many insurance companies calculate rates based upon how you use the vehicle. Cars and trucks that have low annual miles can get a lower rate than those that get driven frequently. Verify your insurance policy shows annual mileage. Incorrect rating for your A3 may be costing you higher rates.

Your location is important – Residing in small towns and rural areas is a good thing when trying to find low car insurance rates. People in densely populated areas regularly have more traffic problems and higher rates of accident claims. Fewer people means fewer accidents in addition to fewer liability claims.

Extra policy coverages you don’t use – There are a lot of additional coverages you can purchase if you don’t pay attention. Coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are examples of these. They may seem like a good idea initially, but your money might be better spent on other coverage so remove them from your policy.

Premiums are affected by your credit history – An insured’s credit score is a large factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your Audi A3 by taking the time to improve your credit score. Insureds with very good credit scores tend to be less risk to insure as compared to drivers with poor credit.

Insure car and home with the same company – The majority of insurers will award better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even with this discount, you still need to compare other Lincoln A3 insurance rates to confirm you are receiving the best rates possible. You may still find a better deal by buying from different companies

Alarms and GPS tracking systems cut insurance rates – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.

Audi A3 insurance loss data – Insurance companies use past loss statistics for each vehicle to help determine prices. Models that statistically have a trend towards higher claims will cost more for coverage.

The table below outlines the historical insurance loss data for Audi A3 vehicles. For each policy coverage, the claim probability for all vehicles, regardless of make or model, is represented as 100. Values under 100 mean the vehicle has better than average losses, while percentages above 100 show a trend for more claims or an increased likelihood of larger losses.

Insurance Loss Ratings for Audi A3 Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi A3 4dr 2WD 152 90 109 85
Audi A3 4dr 4WD 147 73 111 80

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local agents and insurance

A lot of people still prefer to buy from a local agent and we recommend doing that Licensed agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting free rate quotes online is that you can find cheaper car insurance rates but still work with a licensed agent. Buying from and supporting local insurance agencies is especially important in Lincoln.

Insurance agents in LincolnBy using this quick form, your information is transmitted to participating agents in Lincoln that give free quotes for your coverage. You won’t need to find an agent on your own since price quotes are sent directly to your email. If you want to get a comparison quote from one company in particular, feel free to find their quoting web page to submit a rate quote request.

Finding the right provider should include more criteria than just the bottom line cost. Here are some questions to ask:

Once you have received good responses for all questions you ask and a good coverage price, chances are good that you have found a company that is reputable and can service your policy. But keep in mind you have the power to cancel a policy any time you want so don’t feel you’re contractually obligated to any specific company for the full term.

Ratings for Lincoln auto insurance companies

Choosing the top auto insurance provider is difficult considering how many choices you have in Nebraska. The ranking information below can help you pick which car insurance providers you want to consider purchasing from.

Top 10 Lincoln Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. Esurance
  10. The General

In Summary

We just covered some good ideas how to shop for Audi A3 insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Audi A3 insurance quotes. Drivers may even discover the lowest car insurance rates come from the smaller companies. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

Cheaper auto insurance in Lincoln is definitely available both online and from local insurance agents, so you need to shop Lincoln car insurance with both in order to have the best price selection to choose from. Some insurance providers don’t offer price quotes online and most of the time these smaller providers only sell through independent agencies.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at a price you can afford and still be able to protect your assets.

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