Save Money on Audi A3 Insurance in Pittsburgh

Are you irritated from scraping nickels together to buy car insurance? You are in the same boat as many other Pennsylvania consumers.

Insurance rates Audi A3 in PittsburghSad but true, nearly 70% of customers have bought car insurance from the same company for a minimum of four years, and just short of a majority have never compared car insurance rates at all. With the average premium in Pennsylvania being $1,360, drivers can save 55% each year, but they assume it’s a waste of time to go online and compare rates.

Steps to saving money on Audi A3 insurance in Pittsburgh

The preferred way to get more affordable Audi A3 insurance in Pittsburgh is to start doing an annual price comparison from companies in Pennsylvania. You can compare rates by completing these steps.

An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on every price quote and and to analyze every insurance company. Doing this ensures an accurate price comparison and the best price selection.

Popular companies such as Allstate, Progressive and GEICO continually bombard you with advertising and it is difficult to ignore the propaganda and find the best price available.

It’s smart to do price comparisons occasionally because car insurance prices are rarely the same from one policy term to another. If you had the best deal on Audi A3 insurance in Pittsburgh on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to find the best coverage while lowering your premiums.

If you are already insured, you will surely be able to cut your premiums using the ideas you’re about to read. Finding the cheapest insurance coverage in Pittsburgh is actually very simple if you learn how to start. Although Pennsylvania car owners can benefit by having an understanding of how big insurance companies determine prices and use this information to your advantage.

The method we recommend to compare insurance rates from multiple companies is to know almost all companies participate in a system to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including how much school you completed, how many miles driven, if you’re married, and if a SR-22 is needed. The rating information is submitted instantly to all major companies and they return quotes quickly.

If you would like to compare rates now, click here and complete the quick form.

The companies shown below have been selected to offer comparison quotes in Pennsylvania. To get the cheapest auto insurance in Pennsylvania, we suggest you compare several of them in order to find the lowest rates.

Best reasons to buy car insurance in Pennsylvania

Despite the potentially high cost of Audi A3 insurance, paying for car insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

The benefits of insuring your car definitely exceed the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $800 each year so shop around at every policy renewal to be sure current rates are still competitive.

Rates and other information

The rate table displayed below highlights a range of insurance coverage prices for Audi A3 models. Having knowledge of how insurance policy rates are determined can assist in making decisions when shopping your coverage around.

Audi A3 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $122 $264 $310 $18 $92 $806 $67
A3 2.0T Premium Plus Package $122 $264 $310 $18 $92 $806 $67
A3 2.0T Quattro $136 $264 $310 $18 $92 $820 $68
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific location information which can decrease or increase coverage prices substantially.

Where to set your deductibles

One common question asked by Pittsburgh drivers is how high should your deductibles be. The following insurance rates illustrate the rate differences between high and low comp and collision deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Audi A3 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $284 $602 $330 $20 $98 $1,359 $113
A3 2.0T Premium Plus Package $284 $602 $330 $20 $98 $1,359 $113
A3 2.0T Quattro $320 $602 $330 $20 $98 $1,395 $116
Get Your Own Custom Quote Go

Audi A3 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $158 $318 $330 $20 $98 $924 $77
A3 2.0T Premium Plus Package $158 $318 $330 $20 $98 $924 $77
A3 2.0T Quattro $178 $318 $330 $20 $98 $944 $79
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Pittsburgh which can modify price quotes considerably.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $36 more each month or $432 every year averaged for all A3 models than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 25 months between claim filings, you would probably save some money if you choose the higher deductible.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Audi A3 auto insurance rates with liability coverage only compared to full coverage. The costs are based on no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to phase out physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Audi A3 settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Discounts can help lower rates on Audi A3 insurance in Pittsburgh

Auto insurance companies don’t list every discount very well, so we researched some of the best known as well as the least known discounts that you can inquire about if you buy Pittsburgh auto insurance online. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.Cheaper auto insurance with discounts

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

The information below visualizes the comparison of Audi A3 annual premium costs with and without policy discounts. The prices are based on a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage 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, safe-driver, multi-policy, and homeowner discounts applied.

To view insurance companies who offer auto insurance discounts in Pennsylvania, follow this link.

Which is the best auto insurance?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are unique to you.Drive safe and save

For instance, these questions might point out whether your personal situation may require specific advice.

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

What is the best auto insurance company in Pennsylvania?

Buying coverage from a good quality insurance company can be a challenge considering how many companies there are to choose from in Pennsylvania. The ranking data listed below could help you pick which companies to look at purchasing from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 93%
  2. The Hartford – 93%
  3. The General – 91%
  4. Progressive – 90%
  5. 21st Century – 89%
  6. USAA – 87%
  7. Erie Insurance – 87%
  8. State Farm – 87%
  9. Travelers – 87%
  10. Safeco Insurance – 86%

Top 10 Pittsburgh Car Insurance Companies Overall

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA