If you’re searching for lower-priced insurance on the web, do you get overwhelmed by the wide range of car insurance choices that you can choose from? Lot’s of other people are too. Ohio drivers have such a large number of options that it can easily become a big hassle to compare premium rates on Audi A3 insurance. If you live there, you know that Cleveland is a wonderful place to live, but trying to pay high car insurance rates can make it hard for many drivers to afford enough coverage.
We don’t have to tell you that auto insurance companies don’t want you quoting rates from other companies. People who shop around for the cheapest price will, in all likelihood, switch car insurance companies because there are good odds of finding a cheaper policy. A recent survey found that people who shopped around saved as much as $850 each year compared to drivers who don’t make a habit of comparing rates.
If finding the best rates on car insurance is your ultimate objective, then having some insight into the best way to quote and compare insurance premiums can help simplify the process.
Our objective is to let you in on the most effective ways to compare rates and how to save the most money. If you currently have a car insurance policy, you will surely be able to reduce premiums using these methods. Although Ohio drivers do need to understand how big insurance companies compete online and use it to your advantage.
Get cheaper Audi A3 insurance rates in Cleveland
Insurance is neither fun to buy or cheap, but you might find some hidden discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few must be requested specifically in order for you to get them.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts as compared to frequent claim filers.
- Driving Data Discount – Drivers who elect to allow data collection to scrutinize their driving habits through the use of a telematics system such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
- Own a Home and Save – Owning a house in Cleveland can get you a discount since home ownership requires personal responsibility.
- Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and will save you 10% or more on A3 insurance in Cleveland.
- Resident Student – Older children who are attending college without a vehicle on campus could get you a discount.
- Defensive Driver – Passing a course that instructs on driving safety may get you a small discount and make you a better driver.
- Driver Education Discount – Have your child participate in a local driver’s education class if offered at their school.
- Drive Safe and Save – Accident-free drivers can save up to 40% or more on their Cleveland auto insurance quote compared to rates paid by drivers with frequent claims.
- Bundle and Save – If you combine your home and auto policies with one insurance company you could earn a discount of up to 20% and get you low cost Audi A3 insurance.
As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, nobody gets a free ride.
The information below compares Audi A3 premium costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no claims or driving violations, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, claim-free, and multi-policy discounts applied.
The best insurance companies and some of the discounts are included below.
- GEICO offers discounts for military active duty, federal employee, driver training, five-year accident-free, and daytime running lights.
- Mercury Insurance offers discounts including anti-theft, ease of repair, multi-car, professional/association, good student, location of vehicle, and type of vehicle.
- Farmers Insurance includes discounts for multi-car, electronic funds transfer, switch companies, bundle discounts, distant student, homeowner, and alternative fuel.
- Auto-Owners Insurance may have discounts that include good student, safe vehicle, paperless, student away at school, safe driver, multiple vehicles, and company car.
- Liberty Mutual may offer discounts for safety features, multi-car, new vehicle discount, multi-policy, good student, and hybrid vehicle.
- SAFECO offers premium reductions for homeowner, bundle discounts, teen safety rewards, teen safe driver, safe driver, and anti-theft.
- Progressive may include discounts for multi-vehicle, continuous coverage, online signing, multi-policy, homeowner, and online quote discount.
- USAA has discounts for family discount, defensive driver, loyalty savings, annual mileage, and new vehicle.
Before you buy a policy, ask all companies you are considering which discounts they offer. Some discounts listed above might not be offered on policies in every state. To see companies with discount insurance rates in Cleveland, click here.
When shopping for the cheapest Audi A3 rate quotes, there are a couple of ways to compare rate quotes from local Cleveland auto insurance companies. The best way to find competitive insurance rates is to jump online and get quotes.
Just remember that comparing all the rates in your area will enable you to find more affordable rates.
The companies shown below provide price quotes in Ohio. If you wish to find the best cheap auto insurance in Cleveland, OH, it’s a good idea that you visit several of them to get the best price comparison.
Audi A3 coverage statistics
The premium table displayed next highlights a range of policy rates for Audi A3 models. Learning as much as possible about how insurance prices are established can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $136 | $318 | $296 | $18 | $88 | $856 | $71 |
| A3 2.0T Premium Plus Package | $136 | $318 | $296 | $18 | $88 | $856 | $71 |
| A3 2.0T Quattro | $154 | $318 | $296 | $18 | $88 | $874 | $73 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in garaging location in Cleveland which can lower or raise auto insurance rates significantly.
Should you raise deductibles?
One frequently asked question is which deductibles should you choose. The premium rates below can help show the rate difference between low and high coverage deductibles. The first data set uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $196 | $416 | $226 | $14 | $68 | $945 | $79 |
| A3 2.0T Premium Plus Package | $196 | $416 | $226 | $14 | $68 | $945 | $79 |
| A3 2.0T Quattro | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $108 | $220 | $226 | $14 | $68 | $636 | $53 |
| A3 2.0T Premium Plus Package | $108 | $220 | $226 | $14 | $68 | $636 | $53 |
| A3 2.0T Quattro | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in your specific Cleveland location which can revise price quotes considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $27 more each month or $324 annually across all Audi A3 models than requesting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 33 months between claim filings, you would probably be better off if you decide on a higher deductible.
How accidents and tickets impact rates
The illustration below illustrates how speeding tickets and at-fault fender-benders can raise Audi A3 auto insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Annual premiums for males compared to females
The chart below illustrates the comparison of Audi A3 car insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Insurance agencies can give valuable advice
A lot of people would rather buy from a local agent and that is a personal choice. The biggest benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes but still work with a licensed agent. Buying insurance from small agencies is still important in Cleveland.
To help locate an agent, after submitting this quick form, your coverage information is immediately sent to participating agents in Cleveland who will give you bids to get your business. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered immediately to you. You can get cheaper car insurance rates and an insurance agent to talk to. In the event you want to get a comparison quote from one company in particular, you just need to jump over to their website and give them your coverage information.
Listed below is a list of auto insurance companies in Cleveland that are able to give comparison quotes for Audi A3 insurance in Cleveland.
- Nationwide Insurance: Sam J Saraniti
3100 W 25th St – Cleveland, OH 44109 – (216) 281-3900 – View Map - Machor Sage Insurance Agency
7379 Pearl Rd # 5 – Cleveland, OH 44130 – (440) 826-0404 – View Map - A Better Insurance Services
20660 Aurora Rd – Cleveland, OH 44146 – (216) 475-6800 – View Map - LEUSCH Insurance Services Agency, Inc. / INSURANCE CONCEPTS
16903 Fischer Rd – Lakewood, OH 44107 – (216) 228-3333 – View Map
Choosing the best insurer should include more criteria than just a cheap quote. Any agent in Cleveland should have no problem answering these questions:
- What company holds the largest book of business for them?
- Who is covered by the car insurance policy?
- Do they specialize in personal lines coverage in Cleveland?
- Does the quote include credit and driving reports?
- What kind of financial rating does the company have?
Once you have received good responses to all your questions as well as an affordable premium quote, chances are good that you have found an insurance company that is a good match to insure your vehicles.
How to find a good Ohio car insurance company
Finding the highest-rated insurance company can be rather challenging considering how many companies there are to choose from in Ohio. The ranking information listed below can help you pick which auto insurers to look at when comparing rate quotes.
Top 10 Cleveland Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
Top 10 Cleveland Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Find cheap rates by being thorough
People change insurance companies for a variety of reasons including policy non-renewal, lack of trust in their agent, an unsatisfactory settlement offer and questionable increases in premium. Regardless of your reason, finding the right auto insurance provider can be easier than you think.
Lower-priced Audi A3 insurance in Cleveland can be bought online as well as from independent agents in Cleveland, so you need to shop Cleveland auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and many times these regional insurance providers work with independent insurance agents.
In this article, we presented a lot of tips how to reduce Audi A3 insurance rates online in Cleveland. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper Cleveland auto insurance quotes. Drivers may even discover the biggest savings come from a small mutual company.
How to buy lower priced Audi A3 insurance in Cleveland
It takes a little time, but the best way to get more affordable car insurance rates in Cleveland is to compare prices regularly from providers who can sell car insurance in Ohio.
Step 1: Spend a few minutes and learn about how companies price auto insurance and the steps you can take to keep rates in check. Many policy risk factors that cause rate increases such as at-fault accidents, careless driving, and a poor credit score can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. View rates
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you can save money and make a switch, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel your current policy and submit the signed application along with the required initial payment to your new agent or company. Once received, put the new certificate of insurance in an easily accessible location in your vehicle.
An important bit of advice to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to get quotes from every insurance company. Doing this guarantees an apples-to-apples comparison and a better comparison of the market.
For more information, link through to the articles below:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Cheap Cleveland Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)