Car Insurance Quotes for an Audi A3 in Kansas City

Truthfully, the best way to find lower priced auto insurance rates is to regularly compare prices from different companies in Kansas City. Price quotes can be compared by completing these steps.

• First, try to comprehend coverages and the modifications you can make to prevent expensive coverage. Many risk factors that cause rate increases like traffic violations, accidents, and bad credit can be improved by making minor driving habit or lifestyle changes. This article provides additional ideas to get cheaper coverage and get additional discounts.
• Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple sources. Click to view companies
• Third, compare the new rate quotes to your existing policy to see if a cheaper price is available. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.

One important bit of advice is to make sure you’re comparing similar limits and deductibles on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this ensures a level playing field and a thorough price selection.

It’s well known that car insurance companies don’t want you comparing rates. People who shop around annually are very likely to switch car insurance companies because of the good chance of finding lower prices. A recent survey found that people who routinely compared rates saved about $865 annually compared to policyholders who never shopped for cheaper rates.

If finding the cheapest price for Audi A3 insurance is your objective, then having a good understanding the best way to shop and compare insurance coverage can make it easier for you to save money.

Audi A3 detailed coverage information

The information shown below covers a range of insurance policy prices for Audi A3 models. Learning as much as possible about how insurance premiums are formulated can be useful when making smart choices when buying a car insurance policy.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in specific Kansas City garaging location which can affect auto insurance rates noticeably.

Deductible comparison

One frequently asked question is what deductibles to buy. The figures shown below can help you visualize how much more rates are of buying low and high insurance deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Kansas City location which can modify coverage rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $21 more each month or $252 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 36 months between claim filings, you would probably be better off if you opt for a higher deductible. Here’s an example of how you can make your own decision.

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You must have enough savings in the event you need to pay the higher deductible in order to repair your vehicle.

Impact of speeding/accidents on car insurance rates

The chart below demonstrates how speeding tickets and at-fault accidents increase Audi A3 insurance premiums for different insured age categories. The premiums assume a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Car insurance premiums based on gender

The information below shows the comparison of Audi A3 car insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Liability only or full coverage

The chart below shows the comparison of Audi A3 car insurance costs with and without full coverage. Data assumes no claims or violations, $100 deductibles, drivers are single, and no discounts are applied.

Are you wasting money on full coverage?

There is no exact formula to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Audi A3 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying in excess of $800 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

How to Lower Your Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate the price you pay for auto insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates. Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are more obscure like your continuous coverage or your financial responsibility.

• Liability coverage safeguards assets – Liability insurance provides coverage when you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not skimp.
• Higher physical damage deductibles are cheaper – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers your vehicle from damage. Some instances where coverage would apply are a dented fender, hail damage, and windstorm damage. The deductibles you choose define how much you are required to spend out-of-pocket if the claim is covered. The more expense you have to pay, the bigger discount you will receive.
• GPS tracking and theft deterrents systems cut auto insurance rates – Selecting a car model that has a built-in theft deterrent system can get you a discount on your auto insurance. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
• Save money by having multiple policies – Some insurers give lower prices to customers that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you’re getting this discount drivers will still want to compare other company rates to help ensure you have the lowest rates.
• Prices increase with policy add-ons – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying but may not be useful. Insurance for personal injury protection, accident forgiveness, and membership fees are probably not needed. They may seem like a good idea when buying your policy, but now you might not need them so consider taking them off your policy.
• Premiums and your address – Having an address in small towns and rural areas can save you money when shopping for auto insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with more road rage incidents and more severe claims. Higher commute times means more chance of being in an accident.
• Safer the car lower the rate – Cars with five star safety ratings cost less to insure. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less and lower rates for you. If your Audi A3 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Credit score impact auto insurance costs – Your credit score is likely to be a major factor in determining premium rates. Drivers with good credit tend to be better risks to insure than those with poor credit. If your credit rating is low, you could be paying less to insure your Audi A3 if you improve your credit rating.

• Audi A3 insurance loss data – Insurance companies analyze the history of losses when they set coverage costs for each model. Models that statistically have increased claim numbers or amounts will cost more to insure.

  The table below outlines the insurance loss data for Audi A3 vehicles. For each coverage type, the loss probability for all vehicles combined as an average is equal to 100. Values below 100 suggest a positive loss record, while numbers above 100 point to more frequent losses or a tendency for losses to be larger than average.

  
  

  Audi A3 Insurance Loss Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Ratings for Missouri car insurance companies

Insuring your vehicle with a high-quality insurance provider can be difficult considering how many choices you have in Missouri. The company information shown next could help you analyze which auto insurers to look at when looking for cheaper rates.

Top 10 Kansas City Car Insurance Companies Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Allstate
7. Safeco Insurance
8. 21st Century
9. Travelers
10. Titan Insurance

Don’t give up on affordable rates

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

There are still a few companies who may not offer online quoting and usually these smaller companies only sell coverage through local independent agencies. Cheap Audi A3 insurance in Kansas City can be purchased both online and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

We covered quite a bit of information on how to get a better price on Audi A3 insurance in Kansas City. The key thing to remember is the more you quote Kansas City auto insurance, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier.

Much more information about car insurance in Missouri can be read on the following sites:

• Choosing a Car for Your Teen (State Farm)
• Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City? (FAQ)
• Smart Auto Insurance Tips (Insurance Information Institute)
• State Car Insurance Guides (GEICO)