Car Insurance Quotes for an Audi A3 in Kansas City

Truthfully, the best way to find lower priced auto insurance rates is to regularly compare prices from different companies in Kansas City. Price quotes can be compared by completing these steps.

One important bit of advice is to make sure you’re comparing similar limits and deductibles on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this ensures a level playing field and a thorough price selection.

Insurance for Audi A3It’s well known that car insurance companies don’t want you comparing rates. People who shop around annually are very likely to switch car insurance companies because of the good chance of finding lower prices. A recent survey found that people who routinely compared rates saved about $865 annually compared to policyholders who never shopped for cheaper rates.

If finding the cheapest price for Audi A3 insurance is your objective, then having a good understanding the best way to shop and compare insurance coverage can make it easier for you to save money.

Audi A3 detailed coverage information

The information shown below covers a range of insurance policy prices for Audi A3 models. Learning as much as possible about how insurance premiums are formulated can be useful when making smart choices when buying a car insurance policy.

Audi A3 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $202 $470 $322 $20 $96 $1,110 $93
A3 2.0T Premium Plus Package $202 $470 $322 $20 $96 $1,110 $93
A3 2.0T Quattro $228 $470 $322 $20 $96 $1,136 $95
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in specific Kansas City garaging location which can affect auto insurance rates noticeably.

Deductible comparison

One frequently asked question is what deductibles to buy. The figures shown below can help you visualize how much more rates are of buying low and high insurance deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of prices 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 $206 $408 $266 $16 $80 $1,001 $83
A3 2.0T Premium Plus Package $206 $408 $266 $16 $80 $1,001 $83
A3 2.0T Quattro $232 $408 $266 $16 $80 $1,027 $86
Get Your Own Custom Quote Go

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 $128 $258 $266 $16 $80 $748 $62
A3 2.0T Premium Plus Package $128 $258 $266 $16 $80 $748 $62
A3 2.0T Quattro $144 $258 $266 $16 $80 $764 $64
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Kansas City location which can modify coverage rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $21 more each month or $252 annually than choosing the higher $1,000 deductible. Since 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 normally go at least 36 months between claim filings, you would probably be better off if you opt for a higher deductible. Here’s an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $84
Average monthly premium for $1,000 deductibles (subtract): – $63
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You must have enough savings in the event you need to pay the higher deductible in order to repair your vehicle.

Impact of speeding/accidents on car insurance rates

The chart below demonstrates how speeding tickets and at-fault accidents increase Audi A3 insurance premiums for different insured age categories. The premiums assume a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Car insurance premiums based on gender

The information below shows the comparison of Audi A3 car insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Liability only or full coverage

The chart below shows the comparison of Audi A3 car insurance costs with and without full coverage. Data assumes no claims or violations, $100 deductibles, drivers are single, and no discounts are applied.

Are you wasting money on full coverage?

There is no exact formula to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Audi A3 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying in excess of $800 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

How to Lower Your Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate the price you pay for auto insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates. Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are more obscure like your continuous coverage or your financial responsibility.

Ratings for Missouri car insurance companies

Insuring your vehicle with a high-quality insurance provider can be difficult considering how many choices you have in Missouri. The company information shown next could help you analyze which auto insurers to look at when looking for cheaper rates.

Top 10 Kansas City Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Allstate
  7. Safeco Insurance
  8. 21st Century
  9. Travelers
  10. Titan Insurance

Don’t give up on affordable rates

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

There are still a few companies who may not offer online quoting and usually these smaller companies only sell coverage through local independent agencies. Cheap Audi A3 insurance in Kansas City can be purchased both online and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

We covered quite a bit of information on how to get a better price on Audi A3 insurance in Kansas City. The key thing to remember is the more you quote Kansas City auto insurance, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier.

Much more information about car insurance in Missouri can be read on the following sites: