Best Quotes for Audi A3 Insurance in Tampa

Discount Audi A3 insuranceHow long has it been since you sat down and looked for low-cost Audi A3 insurance in Tampa? Scraping up a payment for high-priced Audi A3 insurance in Tampa can consume your bank account and force you to make tough financial choices. Performing a price comparison is an excellent way to make sure you’re not throwing money away.

Unfortunately, the majority of drivers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates from other carriers. The average driver in Florida could cut their rates by 55% a year just by comparing rates, but most just don’t grasp the big savings they would realize if they replace their high priced policy. Because there are so many options when it comes to insurance, it is hard for the average consumer to locate the lowest cost insurance company.

Buying the best-priced insurance policy in Tampa is not that difficult. If you’re already insured or need new coverage, use these techniques to cut your premiums and still get good coverage. Shoppers only have to learn the most time-saving way to buy insurance from multiple carriers.

Ways to get Audi A3 insurance price quotes in Tampa

The providers in the list below are ready to provide price comparisons in Tampa, FL. In order to find cheap auto insurance in Florida, it’s a good idea that you click on several of them to get a more complete price comparison.

Get cheaper Audi A3 insurance rates in Tampa

Not many people think insurance is cheap, but there are discounts available to reduce the price significantly. Some trigger automatically at the time of quoting, but some must be specifically requested prior to getting the savings.Cheaper auto insurance with discounts

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

The chart below shows the difference between Audi A3 insurance premiums with and without discounts. The data assumes a male driver, no claims or violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.

To see insurers that offer some of these discounts in Florida, click here to view.

Rates and information analytics

The premium table displayed below highlights a range of insurance coverage prices for Audi A3 models. Having knowledge of how policy premiums are formulated is important for drivers to make decisions on which coverage to buy.

Audi A3 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $238 $474 $430 $26 $128 $1,296 $108
A3 2.0T Premium Plus Package $238 $474 $430 $26 $128 $1,296 $108
A3 2.0T Quattro $270 $474 $430 $26 $128 $1,328 $111
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can impact coverage prices significantly.

Can higher deductibles save money?

When shopping for auto insurance, a common question is which deductibles should you choose. The rates below can help you visualize the rate fluctuation between high and low insurance deductibles. The first data table uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Audi A3 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $322 $640 $418 $24 $124 $1,553 $129
A3 2.0T Premium Plus Package $322 $640 $418 $24 $124 $1,553 $129
A3 2.0T Quattro $364 $640 $418 $24 $124 $1,595 $133
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Audi A3 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $262 $516 $418 $24 $124 $1,344 $112
A3 2.0T Premium Plus Package $262 $516 $418 $24 $124 $1,344 $112
A3 2.0T Quattro $296 $516 $418 $24 $124 $1,378 $115
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can affect price quotes significantly.

Based on this data, using a $250 deductible costs an average of $17 more each month or $204 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 15 months between claims, you would save more money by going with a higher deductible.

The illustration below illustrates how choosing a deductible and can affect Audi A3 insurance premiums for each different age group. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Do you need full coverage?

The example below compares Audi A3 insurance premiums with liability coverage only compared to full coverage. The premiums assume no claims or driving citations, $100 deductibles, single status, and no discounts are taken into consideration.

Should you pay for full coverage?

There isn’t a steadfast formula of when to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Audi A3 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 annually for full coverage, then it might be time to buy liability only.

There are a few situations where dropping full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Car insurance companies ranked

Selecting a high-quality car insurance provider can be challenging considering how many companies there are to choose from in Florida. The company information listed below can help you select which insurers you want to consider when shopping your coverage around.

Top 10 Tampa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Tampa Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

The Audi A3 Insurance Rate Equation

The best way to find cheaper auto insurance is to take a look at some of the elements that go into determining your premiums. If you have some idea of what determines base rates, this empowers consumers to make smart changes that can help you get cheaper rates. Lots of things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious such as your credit history or how safe your car is.

Liability is critical – A critical coverage on your policy, liability insurance provides coverage when a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.

Your vocation can affect premiums – Did you know that where you work can have an impact on rates? Jobs like real estate brokers, police officers, and stock brokers have higher rates than average in part from intense work-related stress and incredibly demanding work hours. On the flip side, professions such as farmers, students and the unemployed pay the least.

Qualify for multi-policy discounts – The majority of insurance companies provide a discount to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, consumers should still check prices from other companies to ensure the best deal.

Use credit responsibly and save – An insured’s credit history will be a significant factor in determining what you pay for auto insurance. People that have high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit history is low, you could save money insuring your Audi A3 by improving your credit score.

Increase physical damage deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Audi. Some coverage claims are a broken windshield, hail damage, and windstorm damage. The deductibles you choose state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The larger the amount you choose to pay out-of-pocket, the less money you will pay for auto insurance.

Deter car thieves – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.

Teen drivers pay high costs – Older drivers are viewed as being more responsible, file fewer claims, and get fewer tickets. Youthful drivers are statistically shown to be careless and easily distracted with other occupants in the car so they pay higher auto insurance rates.

The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Cautious drivers pay less – Being a careful driver impacts premiums far more than you think. Even one speeding ticket or other violation can increase rates forty percent or more. Drivers who don’t get tickets get better prices than bad drivers. Drivers who get license-revoking violations such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to keep their license.

The chart below illustrates how violations and fender-benders can drive up Audi A3 insurance rates for different insured age categories. Data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Loss statistics for an Audi A3 – Auto insurance companies use historical loss data in order to profitably underwrite each model. Vehicles that have increased losses will have higher premium rates.

The next table shows the historical loss data for Audi A3 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Values that are under 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent claims or tendency to have larger claims.

Audi A3 Insurance Loss Statistics
Specific Audi 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
Statistics from for 2013-2015 Model Years