Find Affordable Audi A3 Insurance in Orlando

We don’t have to point out that fact that auto insurance companies don’t want you quoting rates from other companies. Insureds who shop around for a cheaper policy will presumably buy a different policy because there is a significant possibility of finding a policy with more affordable rates. A study showed that people who compared rates regularly saved over $3,400 over four years compared to other drivers who didn’t regularly shop around.

If finding the best price on insurance in Orlando is why you’re reading this, then having some insight into how to quote prices and compare coverages can make it simple to find affordable coverage.

If you want to save the most money, the best way to get discount auto insurance rates is to compare prices annually from insurers in Orlando. You can compare rates by completing these steps.

1. Spend some time learning about what coverages are included in your policy and the changes you can make to keep rates low. Many things that cause rate increases like getting speeding tickets and a negative credit history can be improved by making minor changes to your lifestyle.
2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from many different companies.
3. Compare the new quotes to your current policy premium to determine if switching companies saves money. If you find better rates and make a switch, make sure there is no lapse in coverage.
4. Tell your current company of your decision to cancel your current coverage. Submit a down payment along with a completed application for the new coverage. Once the application is submitted, keep the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.

A crucial key to this process is that you’ll want to compare identical coverage information on every price quote and and to get quotes from as many different companies as possible. Doing this enables an accurate price comparison and maximum price selection.

Best companies for competitive Audi A3 insurance in Florida

The auto insurance companies shown below are ready to provide price quotes in Florida. To buy the best car insurance in Orlando, FL, we recommend you get prices from several of them to find the lowest auto insurance rates.

Car insurance data for an Audi A3

The premium information displayed next outlines estimates of rate quotes for Audi A3 models. Having knowledge of how insurance rates are established is important for making smart choices when selecting a policy.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in garaging location in Orlando which can revise prices greatly.

Can higher deductibles save money?

The hardest decision when buying coverage is which deductible level should you buy. The rates shown below may aid in understanding the rate differences when you select higher and lower comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in Orlando location which can lower or raise premium rates greatly.

We can estimate from the data above that using a $100 deductible costs about $46 more each month or $552 a year averaged for all A3 models than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 20 months between claims, you would come out ahead by going with a higher deductible.

Get cheaper Audi A3 insurance rates in Orlando

Some insurance providers don’t list all possible discounts very well, so the below list has a few of the more well known as well as some of the hidden discounts that may be available.

• ABS Braking Discount – Vehicles that have anti-lock braking systems are safer to drive and will save you 10% or more on A3 insurance in Orlando.
• No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
• Good Student Discount – Performing well in school may save as much as 25% on a Orlando auto insurance quote. The discount lasts up until you turn 25.
• Drivers Education – Teen drivers should enroll in driver’s education in high school.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Save with More Vehicles Insured – Buying a policy with several vehicles with the same insurance company qualifies for this discount.
• Orlando Homeowners Pay Less – Owning a home in Orlando can save you money since owning and maintaining a home means you have a higher level of financial diligence.
• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
• Driver Safety – Taking part in a defensive driving course could cut 5% off your bill and make you a better driver.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

Policy discounts save money, but many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

The diagram below shows the comparison of Audi A3 auto insurance rates with and without discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, multi-car, and safe-driver discounts applied.

If you would like to view insurance companies who offer insurance discounts in Florida, click here to view.

Learn How to Lower Your Insurance Premiums

Many things are used when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are less apparent like your vehicle usage or how financially stable you are.

Listed below are some of the items companies use to determine your rate level.

• Increase comp and collision deductibles to save – Your deductibles define the amount you are required to spend if the claim is covered. Physical damage coverage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims are colliding with a stationary object, damage from fire, and damage from wind. The more of the claim you choose to pay out-of-pocket, the better rate you will receive.
• Too many insurance claims will drive auto insurance rates up – Auto insurance companies in Florida generally give lower rates to people who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Where do you drive? – The higher the miles on your Audi in a year the higher the price you pay to insure it. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. It’s a good idea to make sure your policy is rated on the right rating data, because it can save money. An improperly rated A3 may be costing you.
• Rural vs Urban Areas – Having an address in a small town is a good thing when shopping for auto insurance. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims. People in densely populated areas regularly have more road rage incidents and much longer commute distances. More time commuting statistically corresponds to a higher accident and claim rate.
• Optional features can affect auto insurance rates – Buying a car with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
• Liability is important – Your policy’s liability coverage will provide protection if ever you are responsible for causing personal injury or damage in an accident. This coverage provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

• Gender is a factor – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men are responsible for fender benders in similar percentages, but the male of the species tend to have higher claims. Men also statistically get cited for more serious violations like driving under the influence (DUI).

  The illustration below compares Audi A3 annual premium costs for male and female drivers. The premiums assume no claims or violations, full physical damage coverage, $100 deductibles, single status, and no other discounts are factored in.

• Type of car determines base costs – The type of car you are trying to find cheaper insurance for makes a significant difference in the rate you pay. The lowest performance passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.

  The next chart uses these assumptions: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Audi A3 car insurance rates compared to other models that have a range of performance rating factors.

• Insurance losses for an Audi A3 – Companies use statistical claims data to calculate a rate that will offset any claims. Vehicles that the statistics show to have higher number or severity of losses will be charged more to insure. The table below shows the historical loss data for Audi A3 vehicles.

  For each policy coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Values under 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate frequent claims or a tendency for claims to be larger.

  
  

  Insurance Loss Ratings for Audi A3 Vehicles

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

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

Car insurance is unique, just like you

When quoting and choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

• Are my tools covered if they get stolen from my vehicle?
• Do I pay less for low miles?
• Does my medical payments coverage pay my health insurance deductible?
• What does medical payments coverage do?
• Can good grades get a discount?
• Do I have any recourse if my insurance company denies a claim?
• Do I have coverage if my license is suspended?
• Do I need to call my car insurance company before buying a new car?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Compare prices but buy from a local Orlando insurance agent

Many drivers would prefer to buy from a licensed agent and that is not a bad decision One of the great benefits of comparing rates online is that drivers can save money and get cheap insurance rates and still have a local agent.

To help locate an agent, after submitting this simple form, the coverage information is submitted to companies in Orlando that can give you free Orlando auto insurance quotes for your coverage. There is no reason to visit any agencies as quotes are delivered to you instantly. You can find better rates AND a local agent. If for some reason you want to get a comparison quote from a specific insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.

Selecting an insurer shouldn’t rely on just the quoted price. Ask your prospective agent these questions:

• Does the agency have a positive business rating?
• Do they specialize in personal lines coverage in Orlando?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Is their price quote a firm figure or are their hidden costs?
• Can they provide you with a list of referrals?

Compare rates from both independent and exclusive car insurance agents

If you’re trying to find a local Orlando insurance agency, you need to know there are two types of insurance agents and how they can write your policy. Insurance agencies can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Agents

These agents work for only one company and examples are AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled in insurance sales which helps offset the inability to provide other markets. Consumers frequently use the same agent partially due to the prominent brand name and solid financial strength.

Below are Orlando exclusive agencies that are able to give price quotes.

• Mike Broschart – State Farm Insurance Agent
  4638 S Kirkman Rd – Orlando, FL 32811 – (407) 298-2700 – View Map
• Marylou Davis – State Farm Insurance Agent
  6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
• Justin Bauknight – State Farm Insurance Agent
  2507 Curry Ford Rd – Orlando, FL 32806 – (407) 898-2041 – View Map

View more agents

Independent Agents (or Brokers)

These type of agents are not locked into one company and that is an advantage because they can write policies amongst many companies and find the cheapest insurance rates. If they quote lower rates, they simply move the coverage in-house and that require little work on your part. If you are comparing rate quotes, it’s a good idea to contact several independent agencies for the best price selection. Most also write with companies that do not advertise much which could offer lower prices.

The following are Orlando independent insurance agents that can give you price quote information.

• Universal Insurance Agency
  1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116 – View Map
• Risk Transfer Insurance Agency
  219 E Livingston St – Orlando, FL 32801 – (407) 481-9363 – View Map
• worldwide insurance agency
  4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map

View more agents

Don’t give up on affordable premiums

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone dropped physical damage coverage to discover at claim time that it was a big mistake. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can reduce Audi A3 insurance rates online in Orlando. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Low-cost Audi A3 insurance in Orlando is attainable from both online companies and with local Orlando insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not offer online quoting and usually these regional insurance providers work with independent agents.

To learn more, feel free to visit these articles:

• Medical Payments Coverage (Liberty Mutual)
• What Auto Insurance is Cheapest for Teenage Females in Orlando? (FAQ)
• Who Has the Cheapest Orlando Car Insurance for a 20 Year Old Male? (FAQ)
• Booster Seat Ratings (iihs.org)
• Teen Driving and Texting (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Event Data Recorders FAQ (iihs.org)