Compare Audi A3 Insurance Quotes in Cincinnati

Want to save money and find the cheapest insurance rates in Cincinnati, OH? Cincinnati drivers have options when trying to find the lowest priced Audi A3 insurance. They can either spend hours calling around getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy insurance and you need to know the proper way to price shop coverage for your Audi and get the lowest price.

You should make it a habit to do price comparisons before your policy renews since prices are variable and change quite frequently. Even if you got the best price on Audi A3 insurance in Cincinnati a couple years back there is a good chance you can find better rate quotes now. There is a lot of bad advice regarding A3 insurance out there, but in just a couple of minutes you can learn some good information on how to buy insurance cheaper in Cincinnati.

Best Audi A3 insurance rate quotes in Ohio

The providers in the list below offer quotes in Cincinnati, OH. In order to find the best auto insurance in Ohio, we suggest you visit as many as you can to find the most competitive car insurance rates.

Audi A3 insurance coverage information

The coverage table displayed below outlines different insurance coverage prices for Audi A3 models. Being more informed about how insurance prices are formulated can be useful when making decisions when choosing a new policy provider.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific zip code location which can lower or raise premium rates substantially.

Choosing deductibles

One of the more difficult decisions when buying insurance is which deductibles should you choose. The tables below illustrate the rate difference when you buy lower versus higher policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in zip code location which can affect price quotes significantly.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $19 more each month or $228 for a full year across all Audi A3 models than opting for the higher $1,000 deductible. Due to the fact that 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 average at a minimum 39 months between claims, you would save money by going with a higher deductible.

Insurance premiums based on gender

The chart below illustrates the difference between Audi A3 insurance premiums for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $100 deductibles, single status, and no additional discounts are factored in.

Full coverage versus liability only rates

The example below visualizes the comparison of Audi A3 auto insurance rates when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

When to drop full coverage

There is no definitive guideline to stop buying physical damage coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Audi A3 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your policy deductible. If premiums are more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Car insurance discounts are available to get cheap rates

Some companies don’t always list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

• Theft Deterrent System – Vehicles with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Buy New and Save – Buying a new car model can get you a discount because newer models are generally safer.
• No Claims – Drivers with accident-free driving histories can save substantially as compared to insureds who have frequent claims or accidents.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
• Discounts for Good Drivers – Insureds without accidents could pay up to 40% less than drivers with accident claims.
• Data Collection Discounts – Drivers who elect to allow companies to look at driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates if they are good drivers.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save approximately 10% to 15%.
• Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
• Driver Safety – Taking a class that teaches defensive driver techniques could cut 5% off your bill and make you a better driver.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

The information below visualizes the comparison of Audi A3 annual premium costs with and without policy discounts. The information is based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, multi-car, claim-free, and safe-driver discounts applied.

Popular car insurance companies and some of the discounts are shown below.

• State Farm offers discounts for good driver, good student, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
• GEICO has savings for driver training, multi-policy, federal employee, military active duty, anti-lock brakes, and defensive driver.
• SAFECO may have discounts that include anti-theft, homeowner, safe driver, drive less, and accident prevention training.
• Farmers Insurance includes discounts for distant student, switch companies, good student, pay in full, alternative fuel, teen driver, and mature driver.
• AAA discounts include multi-car, AAA membership discount, multi-policy, good driver, pay-in-full, anti-theft, and good student.
• USAA offers discounts including family discount, safe driver, annual mileage, new vehicle, defensive driver, driver training, and multi-policy.

If you want cheaper Cincinnati auto insurance quotes, ask all companies you are considering which discounts they offer. Discounts may not apply to policyholders in Cincinnati. To see companies that offer discounts in Ohio, click here.

Compare rates but still have a neighborhood Cincinnati auto insurance agent

Some people would rather sit down with an agent and we recommend doing that Professional agents can help you build your policy and help submit paperwork. The biggest benefit of comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes and still have a local agent.

Once you complete this quick form, the coverage information is immediately sent to agents in your area that can give you free Cincinnati auto insurance quotes and help you find cheaper coverage. You won’t need to leave your house because quoted prices will be sent directly to you. If you want to compare rates from one company in particular, you would need to navigate to their website and submit a quote form there.

Finding the right insurer is decision based upon more than just a cheap price quote. Any agent in Cincinnati should be forthright in answering these questions:

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they have cheaper tiers of coverage?
• Where would your vehicle be repaired?
• What are their preferred companies if they are an independent agency?
• How is replacement cost determined on your vehicle?

Auto insurance agents in Cincinnati come in two varieties

When searching for a good insurance agency, you must know there are a couple different types of agencies from which to choose. Cincinnati agents can be classified as either independent (non-exclusive) or exclusive. Both types of agents can write policy coverage, but it’s important to point out the difference in how they write coverage because it can factor into buying decisions.

Exclusive Insurance Agents

These agents can usually just insure with one company and examples are State Farm or Allstate. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agents are well trained on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same agent partially due to the brand legacy rather than low rates.

Shown below is a short list of exclusive agencies in Cincinnati willing to provide price quote information.

• Dennis Howard – State Farm Insurance Agent
  309 W Kemper Rd – Cincinnati, OH 45246 – (513) 771-1436 – View Map
• Mark Redmond – State Farm Insurance Agent
  7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map
• Nancy Hughett – State Farm Insurance Agent
  2306 W Galbraith Rd – Cincinnati, OH 45239 – (513) 522-9343 – View Map

View more agents

Independent Insurance Agents

Agents of this type can quote rates with many companies and that enables them to quote your coverage with multiple insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to find a new agent.

If you are comparing auto insurance prices, it’s recommended you compare prices from a couple of independent agencies to have the most options to choose from. Most independent agents also contract with less well-known companies which can save you money.

Shown below is a short list of independent agencies in Cincinnati that are able to give rate quotes.

• Young Robert
  2035 Reading Rd – Cincinnati, OH 45202 – (513) 221-1140 – View Map
• Dwyer Insurance Agency
  3356 N Bend Rd – Cincinnati, OH 45239 – (513) 389-4100 – View Map
• Burkhart Insurance Agency
  4291 Foley Rd – Cincinnati, OH 45238 – (513) 244-2500 – View Map

View more agents

Auto insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This covers damage to your A3 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, colliding with a tree, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible on your A3 to save money on collision insurance.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, medical services, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Ohio requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.

The chart below shows why buying minimum limits may not provide you with enough coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, hospital visits and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Audi A3.

Because many people only carry the minimum required liability limits (which is 25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Find cheaper rates by being thorough

When searching for affordable Audi A3 insurance quotes, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best possible price, but do not skimp to save money.

Cheap Audi A3 insurance in Cincinnati is available from both online companies as well as from insurance agents, so you need to quote Cincinnati auto insurance with both to have the best rate selection. There are still a few companies who may not offer the ability to get quotes online and these small insurance companies sell through independent agents.

We’ve covered many ideas to reduce Audi A3 insurance car insurance rates online in Cincinnati. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest car insurance rates are with an unexpected company.

How to buy cheaper Audi A3 insurance in Cincinnati

It takes a little time, but the best way to find better pricing on car insurance rates is to start doing an annual price comparison from providers who sell insurance in Cincinnati.

1. Spend a few minutes and learn about coverages and the changes you can make to keep rates low. Many risk factors that result in higher rates such as traffic violations and an imperfect credit rating can be remedied by making small lifestyle or driving habit changes.
2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can give you price quotes for many different companies.
3. Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
4. Provide written notification to your current company of your intention to cancel your current coverage. Submit a completed application and payment to the new insurer. As soon as coverage is bound, put the new proof of insurance certificate along with your vehicle registration.

One piece of advice is to try to compare identical coverage information on each quote and and to look at as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a complete price analysis.

More tips and info about auto insurance can be read in these articles:

• Understanding Car Crashes Video (iihs.org)
• How Much is Cincinnati Car Insurance for Welfare Recipients? (FAQ)
• Who Has Affordable Car Insurance Rates for Drivers Under 25 in Cincinnati? (FAQ)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Tread Depth and Tire Safety (State Farm)
• Rental Car Insurance Tips (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)