If you want to find the absolute lowest rates, then the best way to find affordable Audi A3 insurance is to compare prices once a year from different companies who can sell car insurance in Chula Vista.
- Step 1: Spend a few minutes and learn about the coverage provided by your policy and the measures you can control to drop your rates. Many rating factors that result in higher prices like speeding tickets, careless driving and an imperfect credit score can be eliminated by paying attention to minor details. This article provides more details to help reduce prices and find overlooked discounts.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
- Step 3: Compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you find a better price and switch companies, verify that coverage does not lapse between policies.
- Step 4: Give notification to your current company of your intention to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to the newly selected company. Immediately place the new certificate verifying coverage along with your vehicle registration.
An important part of this process is to try to use the same level of coverage on every quote and and to get rate quotes from as many car insurance companies as possible. This helps ensure an accurate price comparison and a good representation of prices.
Surprisingly, a recent survey revealed that nearly 70% of consumers have bought car insurance from the same company for at least four years, and nearly half have never compared rates with other companies. Drivers in Chula Vista could save roughly 35% every year just by getting comparison quotes, but they don’t want to spend time to find lower-cost rates by getting comparison quotes.
If you have a policy now, you stand a good chance to be able to find the best rates using the concepts you’re about to learn. Finding quotes for the lowest cost auto insurance coverage in Chula Vista is easy if you know what you’re doing. Although California consumers do need to learn how big insurance companies charge you for coverage because rates fluctuate considerably.
The fastest way that we advise to get policy rate comparisons for Audi A3 insurance in Chula Vista is to know the trick most larger insurance companies allow for online access to quote your coverage. The one thing you need to do is provide information including how much school you completed, distance driven, if you have an active license, and your job. That information is instantly sent to multiple companies and you receive quotes immediately.
If you wish to get multiple quotes for your Audi A3 now, click here and enter your zip code.
The following companies are our best choices to provide price comparisons in Chula Vista, CA. If your goal is to find the best cheap auto insurance in California, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Cheaper rates with these price cutting discounts
Some companies don’t necessarily list every discount they offer in an easy-to-find place, so the list below details both the well known and the harder-to-find discounts that you can inquire about if you buy Chula Vista auto insurance online.
- Home Ownership Discount – Just being a homeowner can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
- Braking Control Discount – Cars with anti-lock braking systems prevent accidents and will save you 10% or more on A3 insurance in Chula Vista.
- Online Discount – Certain car insurance companies will give a small break simply for signing online.
- Professional Organizations – Belonging to certain professional organizations is a good way to get lower rates on your next car insurance statement.
- Discounts for Government Workers – Federal government employees may qualify for a discount when you quote Chula Vista auto insurance but check with your company.
Remember that most of the big mark downs will not be given to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount should help lower your overall premium however.
The diagram below visualizes the comparison of Audi A3 auto insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, homeowner, and multi-policy discounts applied.
Popular car insurance companies and some of their more popular discounts can be read below.
- GEICO may offer discounts for good student, military active duty, anti-theft, membership and employees, multi-vehicle, and multi-policy.
- Auto-Owners Insurance offers discounts including safe vehicle, paperless, teen driver, paid in full, and mature driver.
- American Family discounts include good driver, TimeAway discount, early bird, accident-free, bundled insurance, and good student.
- Esurance offers discounts for DriveSense, good student, Switch & Save, claim free, online quote, and online shopper.
- Progressive has savings for continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.
- State Farm has discounts for multiple autos, good student, anti-theft, Drive Safe & Save, and accident-free.
- AAA includes discounts for education and occupation, pay-in-full, multi-policy, AAA membership discount, anti-theft, good student, and good driver.
If you are trying to find cheaper Chula Vista auto insurance quotes, ask each company or agent to give you their best rates. Some discounts might not be offered everywhere. To find insurance companies that offer some of these discounts in California, follow this link.
Statistics and details
The price information displayed next covers detailed analysis of insurance coverage prices for Audi A3 models. Knowing how insurance rates are determined is important for drivers to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $294 | $664 | $500 | $30 | $150 | $1,638 | $137 |
| A3 2.0T Premium Plus Package | $294 | $664 | $500 | $30 | $150 | $1,638 | $137 |
| A3 2.0T Quattro | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in Chula Vista location which can decrease or increase coverage rates noticeably.
The information below shows how choosing a deductible and can influence Audi A3 annual premium costs for each different age group. The premium estimates are based on a married female driver, full coverage, and no additional discounts are factored in.
Shop online but buy locally
A small number of people would rather sit down and talk to an agent and that is recommended in a lot of cases An additional benefit of comparing car insurance online is the fact that drivers can get the lowest rates but still work with a licensed agent. Supporting local agencies is important especially in Chula Vista.
Upon completion of this simple form, your coverage information is instantly submitted to companies in Chula Vista who want to provide quotes and help you find cheaper coverage. There is no need to find an agent as quotes are delivered instantly to you. It’s the lowest rates AND an agent nearby. If you need to get a rate quote from a specific car insurance provider, feel free to search and find their rate quote page and submit a quote form there.
Two types of car insurance agents
When looking for a local agent, you should know the different types of agencies and how they operate. Agencies in Chula Vista are considered either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
Agents of this type are not locked into one company so as a result can place your coverage through lots of different companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to switch agencies. When searching for an agent, you should always get quotes from at least one independent agent to get the most accurate price comparison. Most independent agents also contract with smaller mutual companies that many times have cheaper rates.
The following is a partial list of independent insurance agencies in Chula Vista who may be able to give you free price quotes.
- La Rosa Insurance Agency
1152 Third Ave – Chula Vista, CA 91911 – (619) 427-5950 – View Map - Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037 – View Map - Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861 – View Map
Exclusive Agencies
These agents work for only one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Many people buy insurance from these agents mostly because of the brand rather than low price.
Shown below is a list of exclusive insurance agencies in Chula Vista that can give you price quotes.
- Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104 – View Map - Farmers Insurance Group, Julio V. Vega
541 H St – Chula Vista, CA 91910 – (619) 426-0554 – View Map - Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map
Choosing an insurance agent requires more thought than just a cheap price. Below are some questions you should ask.
- Is the agent properly licensed in California?
- Who is covered by the car insurance policy?
- Can you choose the body shop in case repairs are needed?
- Do the companies they represent have a solid financial rating?
- What company holds the largest book of business for them?
- By raising physical damage deductibles, how much would you save?
- Do they get paid more for recommending certain coverages?
- Is there a Errors and Omissions policy in force?
If you feel you receive good feedback to all your questions as well as an affordable premium quote, it’s a good possibility that you have found an insurance agency that can be relied on to properly insure your vehicles. Just keep in mind you can always cancel your policy whenever you want so don’t assume you’re contractually obligated to the car insurance policy for any length of time.
You Can Change Your Insurance Premiums
Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are more obscure like your vehicle usage and annual miles driven.
Type of car, truck or SUV determines base costs – The type of car or truck you are insuring makes a significant difference in your premium level. Small economy passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
The following data uses these variables: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Audi A3 car insurance rates compared to other models that have a range of performances.
Five star NHTSA crash test rating saves money – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Audi earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
Responsible credit means lower costs – A driver’s credit rating is a big factor in determining what you pay for insurance. If your credit history is lower than you’d like, you could pay less to insure your Audi A3 if you clean up your credit. People that have high credit ratings tend to file fewer claims than drivers with poor credit scores.
Tough occupation may mean higher premiums – Jobs such as military personnel, business owners, and medical professionals generally have higher premiums than the average policyholder in part from high stress levels and extremely grueling work hours. Other occupations like professors, students and homemakers get better rates.
Avoid tickets and save – Just one moving violation may cause rates to rise substantially. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have gotten severe violations like DUI or reckless driving might be required by their state to file a SR-22 with their state motor vehicle department in order to legally drive.
The chart below demonstrates how traffic citations and at-fault fender-benders raise Audi A3 premium costs for different age groups of insureds. The data assumes a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Insurance policy lapses lead to higher prices – Allowing your coverage to lapse is a fast way to increase your insurance rates. And not only will your rates increase, being ticketed for driving with no insurance could earn you a license revocation or jail time.
Being married can lower prices – Your spouse helps lower the price on your insurance bill. It may mean you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
Premiums drop with age – Teen drivers in California have been known to be careless and easily distracted with other occupants in the car therefore insurance rates are much higher. Older drivers have been proven to be more responsible, cause fewer claims and accidents, and are safer drivers.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Insurance loss statistics an Audi A3 – Insurers analyze the history of losses to help set a rate to offset losses. Models that the statistics show to have high amounts or severity of claims will cost more to insure.
The table below shows the insurance loss data used by companies for Audi A3 vehicles. For each coverage type, the loss probability for all vehicles combined as an average equals 100. Values that are 100 or less represent a good loss history, while percentage values above 100 indicate more frequent claims or a tendency for losses to be larger than average.
| 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance in California serves several purposes
Despite the potentially high cost of Audi A3 insurance, paying for auto insurance is a good idea for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry a specific level of liability insurance in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, almost every bank will force you to have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Audi at a much higher rate and require you to fork over the higher premium.
- Insurance safeguards both your Audi and your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the cost, especially for larger claims. The average driver in America is wasting up to $830 a year so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
More effort can pay off
We just presented many ways to shop for Audi A3 insurance online. The key concept to understand is the more times you quote, the better likelihood of getting low cost Chula Vista auto insurance quotes. You may even find the biggest savings come from an unexpected company.
Cheap Audi A3 insurance in Chula Vista is attainable from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some companies may not offer price quotes online and many times these regional insurance providers provide coverage only through independent insurance agencies.
Insureds change insurance companies for a variety of reasons including denial of a claim, not issuing a premium refund, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, finding the right car insurance provider can be easy and end up saving you some money.
Even more information can be found at these sites:
- Credit and Insurance Scores (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Institute)