Car Insurance Quotes for an Audi A3 in Boston

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Insurance rates Audi A3 in BostonA recent survey discovered that the vast majority of consumers have remained with the same insurance company for well over three years, and roughly 40% of drivers have never compared rates from other carriers. Many drivers in Massachusetts can cut their rates by almost $600 a year by just shopping around, but they underestimate how much savings they would realize if they replace their high priced policy.

If your goal is the lowest price, then the best way to find low-cost prices for Audi A3 insurance in Boston is to do an annual price comparison from insurers that insure vehicles in Massachusetts. You can compare rates by completing these steps.

  1. Get an understanding of how companies set rates and the steps you can take to lower rates. Many risk factors that result in higher prices like traffic citations, accidents, and a not-so-good credit rating can be remedied by making minor changes to your lifestyle. This article provides information to help keep rates affordable and earn a bigger discount.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can quote prices from multiple sources.
  3. Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure coverage does not lapse between policies.
  4. Notify your current company to cancel your current coverage and submit payment and a completed application to your new agent or company. Once coverage is bound, keep the new certificate verifying proof of insurance in an accessible location in your vehicle.

A good piece of advice is that you use similar limits and deductibles on each price quote and to quote with as many companies as possible. Doing this ensures the most accurate price comparison and the best rate selection.

Locating the lowest-priced protection in Boston can be fairly easy. Virtually every vehicle owner who quotes car insurance stands a good chance to get better rates. Nevertheless, Massachusetts drivers can benefit by having an understanding of how companies calculate your policy premium because it can help you find the best coverage.

The quickest method we recommend to compare rate quotes for Audi A3 insurance in Boston is to know almost all companies allow for online access to provide you with a free rate quote. The only thing you need to do is give the companies some data including what your job is, coverage limits, whether the vehicles are used for commuting, and the ages of drivers. That rating data is sent automatically to multiple car insurance providers and they provide comparison quotes very quickly.

If you would like to compare rates now, click here and find out if lower rates are available in Boston.

The companies shown below have been selected to offer price quotes in Massachusetts. If you want to find cheap auto insurance in Massachusetts, we recommend you compare several of them in order to find the cheapest rates.

Insurance coverage details

The information below showcases detailed analysis of insurance policy prices for Audi A3 models. Learning more about how insurance prices are determined can assist in making decisions on the best policy to buy.

Audi A3 Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $222 $502 $378 $22 $114 $1,238 $103
A3 2.0T Premium Plus Package $222 $502 $378 $22 $114 $1,238 $103
A3 2.0T Quattro $250 $502 $378 $22 $114 $1,266 $106
Get Your Own Custom Quote Go

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific garaging location which can increase or decrease coverage rates greatly.

Deductible comparison

One frequently asked question is what deductibles to buy. The premium rates below may help to conceptualize the differences in premium rates between high and low deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price 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 $288 $612 $334 $20 $100 $1,379 $115
A3 2.0T Premium Plus Package $288 $612 $334 $20 $100 $1,379 $115
A3 2.0T Quattro $324 $612 $334 $20 $100 $1,415 $118
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 $160 $322 $334 $20 $100 $936 $78
A3 2.0T Premium Plus Package $160 $322 $334 $20 $100 $936 $78
A3 2.0T Quattro $180 $322 $334 $20 $100 $956 $80
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific Boston garaging location which can lower or raise prices substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you about $37 more each month or $444 a year averaged for all A3 models than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 24 months between claims, you would save money if you choose the higher deductible.

The chart below illustrates how your choice of deductibles and can change Audi A3 annual premium costs for each different age group. The costs are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Auto insurance rates are higher with tickets and accidents

The example below shows how traffic citations and accidents drive up Audi A3 annual premium costs for different age groups of insureds. The price estimates are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Liability only or full coverage

The chart below compares Audi A3 insurance costs when comparing full coverage to liability only. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no set guideline to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Audi A3 claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premiums are more than $300 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some conditions where removing full coverage is not a good idea. If you haven't satisfied your loan, 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 not remove full coverage.

How Your A3 Insurance Prices are Determined

Part of the auto insurance buying process is learning some of the things that play a part in calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that could help you find better auto insurance rates. Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but other criteria are more obscure like your continuous coverage and annual miles driven.

The items below are some of the most common factors used by companies to determine premiums.

Decrease prices by maintaining coverage - Going without insurance will be a sure-fire way to pay more for auto insurance. In addition to paying higher rates, not being able to provide proof of insurance might get you fines or a revoked license.

More policies can equal more savings - Some insurance companies will give a discount to policyholders who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to ten percent or more. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible. It's possible to still save more without the discount even if you have your coverage with different companies

Costs also based on gender - Statistics show females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Men and women cause auto accidents at about the same rate, but the male of the species get into accidents with more damage. Men also receive more major tickets like reckless driving and DUI.

The example below visualizes the comparison of Audi A3 auto insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single status, and no other discounts are factored in.

GPS tracking and theft deterrents lower auto insurance rates - Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.

High comp and collision deductibles reduce costs - Physical damage insurance, aka comp and collision, insures against damage to your Audi. Some instances where coverage would apply are colliding with a building, flood damage, and burglary. Comp and collision deductibles tell how much the insured will be required to pay if the claim is covered. The more you're willing to pay, the lower your rates will be.

Insurance loss probability for an Audi A3 - Car insurance companies analyze past claim statistics as a way to help calculate a profitable premium price. Models that tend to have higher loss trends will have increased rates.

The table below illustrates the historical insurance loss data for Audi A3 vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 indicate higher probability of having a loss or tendency to have higher losses.

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

Insuring your vehicle just makes sense

Despite the high cost, insuring your vehicle is mandatory in Massachusetts but it also protects more than you think.

  • The majority of states have minimum liability requirements which means state laws require a minimum amount of liability protection in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your A3 with a loan, it's guaranteed your bank will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Audi at a more expensive rate and force you to pay for it.
  • Insurance protects both your assets and your car. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Boston is overpaying more than $855 a year so it's recommended you shop around at least once a year to ensure rates are inline.