Car Insurance Rates for an Audi A3 in San Francisco

It’s an obvious statement that insurance companies want to prevent you from shopping around. Consumers who shop for lower rates will presumably switch to a new company because there are good odds of finding a lower-priced policy. A recent auto insurance study discovered that people who make a habit of shopping around saved approximately $3,450 over four years as compared to drivers who never compared prices.

If finding low prices for Audi A3 insurance in San Francisco is your target objective, then having a grasp of how to find companies and compare insurance premiums can save time and money.

To save the most money, the best way to find more affordable auto insurance rates is to start comparing rates regularly from providers who can sell car insurance in San Francisco.

First, take a little time to learn about the different coverages in a policy and the measures you can control to keep rates low. Many policy risk factors that cause rate increases such as traffic citations, accidents, and an unfavorable credit rating can be eliminated by making minor changes to your lifestyle.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies.

Third, compare the quotes to your existing coverage and determine if cheaper A3 coverage is available in San Francisco. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, give notification to your agent or company to cancel your current coverage and submit a completed application and payment to the new insurer. Once coverage is bound, put the certificate verifying proof of insurance somewhere easily accessible.

One piece of advice is to compare identical coverages on each price quote and and to get price estimates from every company you can. This ensures the most accurate price comparison and the best price quote selection.

Compare San Francisco Audi A3 insurance rate quotes

When shopping for Audi A3 insurance in San Francisco there are multiple ways of comparing rates from car insurance companies in your area. One of the best ways to comparison shop is to get quotes online.

Comparing price quotes online is fast and free, and it makes it obsolete to drive to and from local San Francisco insurance agencies. Shopping for car insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the trained advice that can only be provided by a licensed insurance agent. You can, however, find lower rates online but buy from a local insurance agent.

Just keep in mind that comparing all the rates in your area will increase your chances of finding a lower rate than you’re paying now.

The providers in the list below provide quotes in San Francisco, CA. If multiple companies are shown, we recommend you visit as many as you can in order to find the lowest rates.

Cheap San Francisco car insurance quotes with discounts

Car insurance is not an enjoyable expense, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but some must be asked about before they will apply. If you aren’t receiving every discount available, you could be saving more on your car insurance.

• Discount for New Cars – Putting coverage on a new A3 can get you a discount compared to insuring an older model.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
• 55 and Retired – Drivers that qualify as senior citizens can get a slight reduction on a San Francisco auto insurance quote.
• Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
• Paperwork-free – Many car insurance companies will give a small break for buying a policy and signing up on the web.
• Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you may earn as much as 10 to 15 percent.

Don’t be shocked that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

The example below compares Audi A3 auto insurance rates with and without discounts applied to the rates. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full 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, homeowner, multi-policy, and safe-driver discounts applied.

Companies and a selection of discounts are included below.

• Esurance offers discounts for renters, good driver, Switch & Save, emergency road assistance, DriveSense, and anti-lock brakes.
• The Hartford offers premium reductions for air bag, bundle, defensive driver, driver training, good student, and anti-theft.
• AAA offers discounts including good driver, multi-car, anti-theft, good student, education and occupation, multi-policy, and AAA membership discount.
• GEICO has discounts for seat belt use, daytime running lights, good student, defensive driver, driver training, and multi-vehicle.
• State Farm discounts include anti-theft, good driver, Steer Clear safe driver discount, multiple policy, passive restraint, and good student.

It’s a good idea to ask every insurance company which discounts you qualify for. Savings may not apply everywhere.

Data for Audi A3 insurance

The coverage information shown next outlines a range of insurance prices for Audi A3 models. Learning a little about how auto insurance policy rates are calculated can help you make smart policy decisions.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in your specific San Francisco location which can influence auto insurance rates greatly.

Does it make sense to buy full coverage?

The diagram below visualizes the comparison of Audi A3 insurance premiums with and without full coverage. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to buy liability coverage only

There is no definitive rule of when to exclude physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi A3 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your deductible. If you are paying over $400 annually to have full coverage, then you might want to think about dropping full coverage.

There are some cases where only buying liability is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

Why Your Insurance Prices might be higher

Multiple criteria are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, but other criteria are not quite as obvious such as your marital status or your commute time. Part of the auto insurance buying process is learning a few of the rating criteria that help calculate your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower auto insurance prices.

The itemized list below are some of the major factors auto insurance companies consider when setting your prices.

• High comp and collision deductibles cost less – Your deductibles tell how much you are required to spend if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims are rear-ending another vehicle, animal collisions, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the better rate you will receive.
• Occupation impacts premiums – Did you know that where you work can have an impact on rates? Careers like military generals, business owners, and dentists usually pay the highest rates due to stressful work requirements and lengthy work days. On the flip side, professions such as actors, engineers and performers get better rates.

• Better drivers pay lower prices – Getting just one speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers who have gotten careless citations such as hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

  The illustration below illustrates how violations and at-fault collisions influence Audi A3 insurance rates for each age group. The data is based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

• Incidental coverages can add up – Insurance policies have a lot of extra coverages you can purchase on your auto insurance policy. Coverages for rental car reimbursement, better glass coverage, and motor club memberships may be wasting your money. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.

• Youthful drivers cost more – More mature drivers tend to be more responsible, cost insurance companies less in claims, and are generally more financially stable. Teenage drivers are proven to get distracted easily when driving with friends therefore auto insurance rates are much higher.

  The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Women pay lower premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but males cause more damage. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI).

  The diagram below compares Audi A3 annual premium costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.

• Insurance loss data for Audi A3 vehicles – Auto insurance companies factor in historical loss data to help determine the rate you pay. Models that statistically have a trend towards higher claim severity or frequency will have a higher premium rate. The next table illustrates the historical insurance loss data for Audi A3 vehicles.

  For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers that are below 100 suggest a positive loss record, while values over 100 indicate higher probability of having a loss or tendency to have higher losses.

  
  

  Audi A3 Insurance Claim Statistics

  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
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years