Car Insurance Rates for an Audi A3 in San Francisco

Discount Audi A3 insuranceIt’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.Cheaper car insurance with discounts

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.

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.

Audi A3 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $332 $664 $450 $26 $134 $1,606 $134
A3 2.0T Premium Plus Package $332 $664 $450 $26 $134 $1,606 $134
A3 2.0T Quattro $374 $664 $450 $26 $134 $1,648 $137
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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.