Cheap Insurance for an Audi A3 in Mesa

Do you want an efficient way to compare more competitive Audi A3 insurance in Mesa? No one in their right mind likes buying car insurance, especially when they are aware that their premiums are through the roof.

Insurance for Audi A3We don’t have to tell you that insurance companies don’t want you to look for cheaper rates. Consumers who compare other prices will most likely switch to a new company because they stand a good chance of finding a policy with more affordable rates. Remarkably, a study showed that drivers who compared rates annually saved approximately $865 a year compared to drivers who don’t regularly compare prices.

If finding budget-friendly auto insurance in Mesa is the reason you’re here, understanding how to get price quotes and compare insurance premiums can help make the process easier and more efficient.

Companies like Allstate and Progressive continually hit you with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Get Cheap Insurance Prices by Understanding These Factors

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for car insurance. If you understand what influences your rates, this empowers consumers to make smart changes that can help you get cheaper rates.

Listed below are some of the items utilized by car insurance companies to help set your rate level.

Audi A3 insurance statistics and information

The price information shown next covers a range of rate quotes for Audi A3 models. Learning as much as possible about how rate quotes are figured is important for you to make decisions on which insurance to purchase.

Audi A3 Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $294 $548 $392 $24 $118 $1,376 $115
A3 2.0T Premium Plus Package $294 $548 $392 $24 $118 $1,376 $115
A3 2.0T Quattro $332 $548 $392 $24 $118 $1,414 $118
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in specific zip code location which can revise coverage rates noticeably.

Can higher deductibles save money?

When comparing insurance rates, the most common question is how low should you set your deductibles. The rates shown below show the costs and benefits when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Audi A3 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $232 $460 $300 $18 $90 $1,125 $94
A3 2.0T Premium Plus Package $232 $460 $300 $18 $90 $1,125 $94
A3 2.0T Quattro $262 $460 $300 $18 $90 $1,155 $96
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Audi A3 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $144 $290 $300 $18 $90 $842 $70
A3 2.0T Premium Plus Package $144 $290 $300 $18 $90 $842 $70
A3 2.0T Quattro $162 $290 $300 $18 $90 $860 $72
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific Mesa garaging location which can raise or lower price quotes greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $24 more each month or $288 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 31 months between claim filings, you would save more money if you decide on a higher deductible. The table below shows an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

Driving violations and accidents

The chart below shows how traffic citations and at-fault fender-benders can drive up Audi A3 insurance costs for different age groups of insureds. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Cut your insurance rates with discounts

Car insurance companies don’t list their entire list of discounts very well, so the following is a list of some of the best known and the more hidden insurance savings. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.Insurance discounts

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount will bring down the cost of your policy.

The illustration below illustrates the difference between Audi A3 premium costs with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

If you would like to see a list of insurance companies with significant discounts in Arizona, click here.

Best auto insurance in Mesa

Insuring your vehicle with a highly-rated insurer can be a challenge considering how many companies provide coverage in Arizona. The ranking information in the lists below could help you select which auto insurance companies to look at purchasing a policy from.

Best Auto Insurance Companies in Mesa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Be persistent to save money

We just presented many ideas to reduce Audi A3 insurance prices online in Mesa. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.

When shopping online for car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to regret at claim time that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

How to find discount Audi A3 insurance in Mesa

The most effective way to find low-cost prices for Audi A3 insurance is to compare prices at least once a year from insurers that sell auto insurance in Mesa. Prices can be compared by following these guidelines.

One thing to point out is to use the same liability limits and deductibles on every price quote and and to look at all possible companies. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Additional car insurance information is available at these links: