Trying to find cheaper insurance for a new or used Audi A3 in California can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates and you need to know the quickest way to quote coverages for a new or used Audi and locate the best price possible either online or from Los Angeles insurance agents.
A recent study showed that nearly 70% of customers renewed their policy with the same company for at least four years, and nearly half have never compared car insurance rates at all. Consumers in Los Angeles can save hundreds of dollars each year just by comparing rates, but most undervalue how much savings they would realize if they switched.
It's smart to get comparison quotes at least once a year because rates are rarely the same from one policy term to another. Just because you found the best premium rates on Audi A3 insurance in Los Angeles six months ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because you're about to find out the best methods to buy cheaper Audi A3 insurance in Los Angeles.
Locating the best rates in Los Angeles is not that difficult as long as you know where to start. If you have a current insurance policy or are shopping for new coverage, use these money-saving tips to cut your premiums without reducing coverage. Vehicle owners just have to learn the most efficient way to get comparison quotes from many different companies.
Car insurance discounts are available to cut your rates
Some insurance providers do not list every possible discount very clearly, so the list below details both the well known and the more hidden credits available to bring down your rates.
- Discount for Swiching Early - Some insurance companies give discounts for switching policies prior to the expiration date on your current A3 insurance policy. This can save 10% or more.
- Active Military Service - Having an actively deployed family member could mean lower premium rates.
- Buy New and Save - Insuring a new A3 can cost up to 25% less since new model year vehicles are generally safer.
- Club Memberships - Being a member of qualifying clubs or civic groups can get you a small discount on your next car insurance statement.
- Drive Less and Save - Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
- Onboard Data Collection - Insureds that choose to allow driving data collection to track vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive's Snapshot might see lower rates as long as they are good drivers.
- Homeowners Savings - Owning a house in Los Angeles can save you money due to the fact that maintaining a home demonstrates responsibility.
- Bundled Policy Discount - If you have multiple policies with the same company you could earn a discount of nearly 15% which can help you find affordable Audi A3 insurance rates in Los Angeles.
- Passive Restraints - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Remember that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way. But any discount will definitely reduce your policy cost.
The chart below shows the comparison of Audi A3 yearly insurance costs with and without policy discounts. The premiums assume a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, multi-policy, and marriage discounts applied.
A list of car insurance companies and their possible discounts can be found below.
- State Farm discounts include multiple policy, Steer Clear safe driver discount, good student, multiple autos, anti-theft, and accident-free.
- GEICO offers premium reductions for membership and employees, multi-vehicle, seat belt use, anti-theft, and multi-policy.
- Progressive has savings for multi-vehicle, homeowner, online signing, good student, multi-policy, online quote discount, and continuous coverage.
- 21st Century has discounts for student driver, automatic seat belts, defensive driver, 55 and older, air bags, and homeowners.
- American Family offers discounts including accident-free, bundled insurance, good student, mySafetyValet, good driver, TimeAway discount, and multi-vehicle.
- The Hartford may offer discounts for defensive driver, anti-theft, vehicle fuel type, driver training, air bag, and good student.
- AAA policyholders can earn discounts including multi-car, pay-in-full, anti-theft, multi-policy, AAA membership discount, and education and occupation.
Before purchasing a policy, check with each company or agent to give you their best rates. Some of the discounts discussed earlier may not be available in Los Angeles. To locate car insurance companies with the best discounts in California, click this link.
How much does Audi A3 insurance in Los Angeles, California cost?
Getting cheaper Audi A3 auto insurance pricing is pretty simple and can save money. All you need to do is take a couple of minutes to compare rate quotes to find the company with affordable Audi A3 insurance quotes.
The following companies have been selected to offer quotes in Los Angeles, CA. If multiple companies are listed, we recommend you visit as many as you can in order to find the lowest rates.
Car insurance statistics and figures
The premium information displayed next outlines different insurance policy prices for Audi A3 models. Having insight into how insurance premiums are calculated can assist in making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A3 2.0T Premium Package||$278||$546||$442||$26||$132||$1,424||$119|
|A3 2.0T Premium Plus Package||$278||$546||$442||$26||$132||$1,424||$119|
|A3 2.0T Quattro||$314||$546||$442||$26||$132||$1,460||$122|
|Get Your Own Customized Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can affect price quotes substantially.
The chart below shows how choosing a deductible and can impact Audi A3 insurance rates for each age group. Data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.
Cost of full coverage
The diagram below illustrates the comparison of Audi A3 insurance costs with and without full coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no written rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let's assume your Audi A3 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.
What Determines Audi A3 Insurance Rates?
When buying auto insurance it's important to understand some of the factors that are used to determine the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower premium levels.
The factors shown below are some of the major factors utilized by car insurance companies to help set your prices.
Choose high crash test ratings and save - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce occupant injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Audi A3 has at least an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
Liability insurance preserves assets - Your auto insurance policy's liability coverage provides coverage if you are found to be at fault for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Teenagers are high risk - Drivers with little experience are known to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure, and usually have better credit.
The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Low physical damage deductibles mean high costs - Comp and collision deductibles tell how much you are willing to pay if the claim is covered. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, hail damage, and damage caused by road hazards. The more you choose to pay out-of-pocket, the less money you will pay for auto insurance.
Insure your auto and home with one company - Many companies provide better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it's in your best interest to get quotes from other companies to ensure the best deal.
Audi A3 insurance claim data - Insurance companies analyze past claim statistics to help calculate a profitable premium price. Vehicles that tend to have higher claim frequency or loss amount will be charged more to insure. The table below outlines the insurance loss data used by companies for Audi A3 vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers below 100 indicate better than average losses, while values that are above 100 show a trend for more claims or an increased probability of a larger loss.
|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
When to talk to an insurance agency
Some people prefer to go talk to an agent and doing that can be a smart decision Professional agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can find better rates and still have a local agent.
After completing this form (opens in new window), your insurance coverage information is submitted to participating agents in Los Angeles that provide free Los Angeles auto insurance quotes for your coverage. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered directly to your email. In the event you want to quote rates from one company in particular, you can always navigate to their website and complete a quote there.
Finding a good provider should include more criteria than just the bottom line cost. Here are some questions you might want to ask.
- Does the agency support the community they serve?
- If you are a high risk driver, do they have special markets for your coverage?
- Will you work with the agent or an assistant?
- Who is covered by the car insurance policy?
- Do they make recommendations based only on price?
- How often do they review coverages?
Different types of auto insurance agents in Los Angeles
When looking for a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they are slightly different. Agencies in Los Angeles may be either exclusive or independent. Either one can handle insurance, but it is a good idea to know the difference between them because it may have an impact on the kind of agent you use.
These agents work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company's products which helps offset the inability to provide other markets. Many people use the same exclusive agent primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a list of exclusive agencies in Los Angeles who may provide you with comparison quotes.
- Michael Chien - State Farm Insurance Agent
318 1/2 S La Brea Ave #2 - Los Angeles, CA 90036 - (323) 932-2557 - View Map
- Terza West-Dantzler - State Farm Insurance Agent
875 N Gower St - Los Angeles, CA 90038 - (323) 462-1096 - View Map
- Allyson Weber - State Farm Insurance Agent
1063 Colorado Blvd - Los Angeles, CA 90041 - (323) 258-5801 - View Map
Independent Insurance Agents
These type of agents do not have single company limitations and that gives them the ability to insure with a variety of different insurance companies and get the cheapest rates. If premiums increase, the business is moved internally and you don't have to find a new agent.
When comparing insurance rates, you should always compare prices from several independent agencies so that you have a good selection of quotes to compare. They often place coverage with smaller companies that may have much lower rates than larger companies.
Shown below is a short list of independent agents in Los Angeles that can give you price quote information.
- Starco Insurance
1905 S Western Ave #19 - Los Angeles, CA 90018 - (310) 215-9991 - View Map
- Susman Insurance Agency
11611 San Vicente Blvd #515 - Los Angeles, CA 90049 - (310) 820-5200 - View Map
- Sean Paul Insurance Agency
3101 Silver Lake Blvd - Los Angeles, CA 90039 - (323) 667-9180 - View Map
After receiving good answers to these questions and a good coverage price, you may have found an auto insurance agent that can properly insure your vehicles. Just be aware that it's your coverage and you can cancel your coverage when you choose so don't feel that you're stuck with a specific company for the full term.
Auto insurance is not optional in California
Despite the high insurance cost for a Audi A3 in Los Angeles, auto insurance may be required and benefits you in several ways.
First, the majority of states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. 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.
Second, if you bought your vehicle with a loan, almost every bank will have a requirement that you carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may insure your Audi at a much higher rate and force you to pay for it.
Third, auto insurance preserves both your vehicle and your personal assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your Audi gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having auto insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in California overpays as much as $850 per year so you should quote and compare rates at least once a year to ensure rates are inline.
Don't give up on cheaper rates
Discount Audi A3 insurance in Los Angeles is attainable both online and from local agencies, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer the ability to get quotes online and most of the time these small insurance companies work with independent agencies.
We've covered some good ideas how to shop for Audi A3 insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small local company.
As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find for the lowest price while still protecting your assets.
For more information, feel free to browse the articles below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Los Angeles Auto Insurance Rates for a GMC Sierra? (FAQ)
- Who Has the Cheapest Auto Insurance for a 20 Year Old Male in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Auto Insurance for State Employees? (FAQ)
- Safety Features for Your New Car (State Farm)
- Safe Vehicles for Teens (iihs.org)