Amazingly, nearly 70% of customers kept buying from the same company for over three years, and almost half have never shopped around. American insurance shoppers could cut their rates by approximately 47% a year, but they don't know the benefits if they switch to a new company.
To save the most money, the best way to get budget Audi A3 insurance is to compare prices once a year from companies who provide car insurance in Santa Ana. Prices can be compared by completing these steps.
Step 1: Learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many rating factors that cause high rates like speeding and poor credit history can be remedied by being financially responsible and driving safely.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
Step 3: Compare the new rate quotes to your existing coverage to see if cheaper A3 coverage is available in Santa Ana. If you can save money, make sure there is no lapse in coverage.
Step 4: Notify your current company of your decision to cancel your current auto insurance policy. Submit a completed policy application and payment for your new policy. As soon as you have the new policy, store the certificate of insurance with your vehicle's registration.
The key thing to know about shopping around is to try to compare the same amount of coverage on each quote and and to get rate quotes from all possible companies. This ensures the most accurate price comparison and maximum price selection.
Locating the best insurance company for you in Santa Ana can be much easier if you know how to start. If you're already insured or just want to save money, take advantage of these tips to cut your premiums without having to cut coverage. You only need an understanding of the best way to shop for insurance using one simple form.
The quickest method we recommend to compare rate quotes for Audi A3 insurance in Santa Ana is to understand most of the larger companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is provide details such as your education level, any included safety features, if you're married, and the ages of drivers. Those rating factors is instantly submitted to insurance carriers in your area and they return cost estimate very quickly.
To compare multiple company lower-cost Audi A3 insurance rates now, click here and complete the form.
The companies in the list below provide free rate quotes in Santa Ana, CA. If the list has multiple companies, it's a good idea that you click on several of them to find the most affordable auto insurance rates.
Lower-cost Audi A3 insurance rates in Santa Ana
Car insurance is neither fun to buy or cheap, but you can get discounts that could drop your premiums quite a bit. Certain credits will be shown when you purchase, but a few must be manually applied before you will receive the discount.
- Seat Belt Discounts - Requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Renewal Discounts - A few car insurance companies offer discounts for buying a new policy before your current expiration date. You could save around 10% when you buy Santa Ana car insurance online.
- Air Bags and Passive Restraints - Options like air bags or automatic seat belts could see savings up to 30%.
- Theft Deterrent System - Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a Santa Ana car insurance quote.
- 55 and Retired - If you're over the age of 55, you are able to get a small decrease in premiums.
- Savings for New Vehicles - Putting car insurance coverage on a new A3 is cheaper because newer vehicles keep occupants safer.
- Pay Early and Save - If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
- Good Students Pay Less - Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Claim Free - Good drivers with no accidents get the best car insurance rates in comparison to insureds who have frequent claims or accidents.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, that's just not realistic. But any discount will definitely lower your car insurance premiums.
The diagram below visualizes the comparison of Audi A3 auto insurance rates with and without policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, multi-policy, claim-free, and safe-driver discounts applied.
The best car insurance companies and a partial list of their discounts can be read below.
- GEICO offers discounts for seat belt use, driver training, multi-vehicle, membership and employees, and emergency military deployment.
- USAA has discounts for good student, safe driver, military installation, multi-vehicle, annual mileage, and new vehicle.
- Progressive may include discounts for online signing, multi-vehicle, homeowner, good student, online quote discount, and multi-policy.
- American Family offers premium reductions for multi-vehicle, TimeAway discount, good student, accident-free, good driver, and early bird.
- Esurance policyholders can earn discounts including safety device, renters, anti-theft, good student, and online shopper.
- Farmers Insurance has savings for multi-car, teen driver, youthful driver, switch companies, good student, and mature driver.
- State Farm includes discounts for student away at school, accident-free, good driver, driver's education, and safe vehicle.
When comparing rates, check with each insurance company to apply every possible discount. All car insurance discounts might not be offered on policies in Santa Ana. If you would like to view companies who offer discounts in Santa Ana, click here.
Statistics and details
The premium information displayed next showcases estimates of coverage costs for Audi A3 models. Having insight into how auto insurance premiums are calculated can be valuable when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| A3 2.0T Premium Plus Package | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| A3 2.0T Quattro | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can impact rates significantly.
Insurance deductibles
When comparing insurance rates, the most common question is which deductibles should you choose. The figures shown below may help you to understand the costs and benefits when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage 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 | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| A3 2.0T Premium Plus Package | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| A3 2.0T Quattro | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| A3 2.0T Premium Plus Package | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| A3 2.0T Quattro | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location which can alter prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $34 more each month or $408 each year averaged for all A3 models than opting for the higher $1,000 deductible. Because you would be required 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 least 22 months between claim filings, you would come out ahead if you decide on a higher deductible. The table below shows a better example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $138 |
| Average monthly premium for $1,000 deductibles (subtract): | - $104 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One important caveat is that a higher deductible level means you will have to pay more out-of-pocket when you do file a claim. You need enough disposable savings in the event you have to pay the higher deductible.
The diagram below highlights how deductible choice and can raise or lower Audi A3 insurance premiums for different age groups. The premiums are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Accidents and violations increase rates
The example below shows how violations and at-fault claims can raise Audi A3 insurance costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Audi A3 insurance rates: Men versus women
The illustration below illustrates the comparison of Audi A3 yearly insurance costs for male and female drivers. The data assumes no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.
How much more does full coverage cost?
The example below shows the comparison of Audi A3 auto insurance rates with liability coverage only compared to full coverage. Data assumes no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no definitive formula for dropping physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Audi A3 replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it's costing in excess of $600 annually to have full coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Learn How to Buy Car Insurance for Less
Smart consumers have a good feel for some of the factors that help calculate the level of your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that may reward you with lower premium levels.
Keep the miles off and save - The more you drive annually the more it will cost to insure it. Most insurance companies charge rates based upon how much you drive. Cars left parked in the garage qualify for better rates than vehicles that have high annual mileage. Double check that your car insurance policy states the right rating data. An improperly rated A3 may be costing you.
Job and insurance prices - Careers such as doctors, airline pilots, and emergency personnel generally pay higher rates than the rest of us because of high stress and lengthy work days. On the other hand, jobs such as professors, engineers and performers have lower than average premiums.
Lower car insurance rates with alarms and GPS tracking - Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Affects performance affects auto insurance costs - The performance of the vehicle you drive makes a significant difference in your premium level. Lower cost passenger vehicles usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
The next chart uses these assumptions: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The chart compares Audi A3 car insurance rates compared to other models that have a range of risk factors.
Increase coverage deductibles to save - Comprehensive and collision coverage deductibles define how much the insured will be required to pay before your car insurance pays a claim. Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered could be rear-ending another vehicle, collision with a deer, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Insurance loss data for an Audi A3 - Companies use past insurance losses when they file their rates in each state. Models that tend to have increased claim numbers or amounts will be charged more to insure.
The table below illustrates the insurance loss data for Audi A3 vehicles. For each type of coverage, the loss probability for all vehicles, without regard to make or model, equals 100. Values that are below 100 suggest a positive loss record, while values that are above 100 indicate more frequent losses or tendency to have higher losses.
| 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 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies near you
Some people just want to talk to an insurance agent. Professional insurance agents can help determine the best coverages and help file insurance claims. An additional benefit of comparing rates online is you can get cheaper car insurance rates and still buy from a local agent.
By using this short form, your insurance coverage information is immediately sent to companies in Santa Ana that can provide free Santa Ana car insurance quotes to get your business. You don't have to drive around since price quotes are sent straight to your inbox. If you need to compare rates from a specific auto insurance provider, just find their quoting web page and fill out the quote form the provide.
Picking a provider needs to be determined by more than just a cheap price quote. Any good agent in Santa Ana should know the answers to these questions.
- Are they involved in claim handling?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the company have a solid financial rating?
- How long has their agency been in business in Santa Ana?
- Do they specialize in personal lines auto insurance in Santa Ana?
If you are wanting to find a reliable agent, there are a couple of different types of agents and how they function. Insurance agencies in Santa Ana can either be exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but it's important to know why they differ since it can affect the selection process.
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. These agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets. A lot of people use the same agent mostly because of loyalty to the company rather than low price.
Below are exclusive insurance agents in Santa Ana that are able to give rate quotes.
- Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map - Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996 - View Map - Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092 - View Map
Independent Insurance Agents
Agents of this type can quote rates with many companies so they can insure your vehicles with a variety of different insurance companies and get you the best rates possible. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When comparing rates, you will want to include a few independent agents for the best price selection. Many can place coverage with different regional companies that may provide cheaper auto insurance rates.
Listed below is a list of independent insurance agents in Santa Ana that can give you comparison quotes.
- Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map - Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map - Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map
Upon receiving good feedback to any questions you have and locked in a price quote, you may have found an insurance agent that can be relied on to insure your vehicles. Just be aware that policyholders can cancel coverage whenever you wish so never assume you are locked into a specific company with no way out.
When to get professional advice
When quoting and choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. You are unique so your insurance needs to address that.
These are some specific questions can help discover whether or not you could use an agent's help.
- Is extra glass coverage worth it?
- Should I put collision coverage on all my vehicles?
- Will my Audi A3 be repaired with OEM or aftermarket parts?
- Can I still get insurance after a DUI?
- Does insurance cover tools stolen from my truck?
- Does low annual mileage earn a discount?
- If I drive on a suspended license am I covered?
- Will I lose any money if I cancel my policy before it expires?
- Is my custom paint covered by insurance?
If you don't know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.
What is the best auto insurance company in California?
Ending up with a highly-rated insurance company can be difficult considering how many choices there are in Santa Ana. The company ratings below can help you pick which insurers you want to consider comparing rates from.
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Compare. Compare. Compare.
In this article, we covered many ways to get a better price on Audi A3 insurance in Santa Ana. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with the smaller companies. Regional companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
Cost effective Audi A3 insurance can be bought both online and also from your neighborhood Santa Ana agents, so get free Santa Ana car insurance quotes from both of them in order to have the best chance of saving money. A few companies don't offer rates over the internet and many times these smaller companies sell through independent insurance agencies.
When trying to cut insurance costs, never reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.
More detailed car insurance information is available by following these links:
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- How Much is Car Insurance for a Chevrolet Silverado in Santa Ana? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)