It’s an obvious assumption that auto insurance companies don’t want you to look at other companies. People who shop around for cheaper rates are inclined to switch auto insurance companies because they have good chances of finding a lower-cost company. A recent survey found that consumers who shopped around every year saved about $850 each year compared to other drivers who never shopped around.
If finding budget-friendly Audi A3 insurance is the reason for your visit, then having some knowledge of how to get free comparison quotes and analyze auto insurance can help make the process easier.
The best way to find discount Audi A3 insurance is to compare prices regularly from insurance carriers who provide car insurance in Oklahoma City. You can shop around by following these guidelines.
- Learn about coverages and the changes you can make to keep rates in check. Many rating factors that result in higher rates like accidents, careless driving, and poor credit can be remedied by making minor changes in your lifestyle.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can quote rates for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy to determine if you can save on A3 insurance in Oklahoma City. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company to cancel your existing policy and submit a down payment along with a completed application to the newly selected company. Immediately safely store the proof of insurance certificate in your vehicle.
An essential thing to point out is that you use identical deductibles and limits on every quote and and to compare as many different insurance providers as possible. Doing this provides a fair rate comparison and a complete selection of prices.
All major auto insurance companies like Allstate and Progressive make it easy to get prices for coverage from their websites. Comparing prices online for Audi A3 insurance in Oklahoma City is quite simple as you just type in your coverage preferences as detailed in the form. After you submit the form their system obtains your driving record and credit report and quotes a price determined by many factors. Using the web to get price quotes for Audi A3 insurance in Oklahoma City makes it a lot easier to compare rates and it is imperative to get many rate quotes if you are searching for the lowest auto insurance rates.
To quickly find out how much you can save on auto insurance, compare rates now from the companies shown below. If you have a policy now, it’s recommended you enter coverages and limits exactly as they are listed on your policy. This helps ensure you are getting an apples-to-apples comparison using the same coverage and limits.
The companies shown below have been selected to offer free quotes in Oklahoma. If more than one company is shown, it’s a good idea that you visit two to three different companies in order to find the lowest rates.
It may be expensive, but it’s not optional
Even though it can be expensive, maintaining insurance is required by state law in Oklahoma and it also provides benefits you may not be aware of.
- The majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Audi, most lenders will require that you have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Audi at a much higher premium rate and force you to reimburse them for the expensive policy.
- Insurance preserves both your car and your assets. It also can pay for most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If your Audi gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying insurance are without a doubt worth the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so compare rate quotes each time the policy renews to make sure the price is not too high.
Premium rates and analysis
The rate table shown next covers a range of prices for Audi A3 models. Learning as much as possible about how rates are calculated can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $370 | $928 | $584 | $34 | $174 | $2,090 | $174 |
| A3 2.0T Premium Plus Package | $370 | $928 | $584 | $34 | $174 | $2,090 | $174 |
| A3 2.0T Quattro | $418 | $928 | $584 | $34 | $174 | $2,138 | $178 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in zip code location which can decrease or increase coverage rates considerably.
The information below shows how choosing a deductible and can influence Audi A3 insurance premiums for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Save a ton with discounts
Car insurance is not cheap nor is it fun to buy but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you’re not getting every credit possible, you are not getting the best rate possible.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
- One Accident Forgiven – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO will forgive one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Paperless Signup – A handful of larger companies will give you a small discount for buying your policy on your computer.
- Save with a New Car – Insuring a new A3 may earn a small discount compared to insuring an older model.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off the personal injury premium cost.
One thing to note about discounts is that some credits don’t apply to the whole policy. Most only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
The illustration below compares Audi A3 auto insurance costs with and without some available policy discounts. The data assumes a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.
To see companies with the best discounts in Oklahoma City, click here.
Insurance agencies near you
Certain consumers still prefer to get professional advice from a licensed agent and often times that is recommended Good agents can help you build your policy and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can obtain lower rates but also keep your business local. Buying from local insurance agents is important particularly in Oklahoma City.
To find an agent, once you fill out this quick form, your insurance data is emailed to insurance agents in Oklahoma City that can give you free Oklahoma City auto insurance quotes for your coverage. You won’t even need to contact any agents since price quotes are sent to your email. If you wish to quote rates from a particular provider, you would need to jump over to their website and fill out the quote form the provide.
If you are wanting to purchase insurance from a good insurance agency, it helps to know the two types of agencies and how they function. Oklahoma City agents can either be independent or exclusive depending on the company they work for. Either can handle insurance, but it’s a good idea to understand the difference between them since it can affect buying decisions.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent often have affiliation with several companies so they can write business with lots of companies and get the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. If you need cheaper insurance rates, it’s recommended you contact a couple of independent agencies to have the most options to choose from.
Featured below is a list of independent agents in Oklahoma City who may be able to give you rate quotes.
Ledbetter Insurance and Risk
1000 NW Grand Blvd #110 – Oklahoma City, OK 73118 – (405) 840-9090 – View Map
Lynnae Insurance Group
5119 N Western Ave – Oklahoma City, OK 73118 – (405) 217-8851 – View Map
Professional Insurors Agency, LLC
7301 Broadway Ext – Oklahoma City, OK 73116 – (405) 843-9191 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums.
Shown below are exclusive insurance agencies in Oklahoma City who can help you get price quotes.
Rita Wallenberg – State Farm Insurance Agent
2833 SW 119th St – Oklahoma City, OK 73170 – (405) 691-2464 – View Map
Shelter Insurance – Paul Michael
8320 S Western Ave – Oklahoma City, OK 73139 – (405) 632-2751 – View Map
Bob Stockton – State Farm Insurance Agent
4625 N May Ave – Oklahoma City, OK 73112 – (405) 943-8373 – View Map
Deciding on an car insurance agent requires more thought than just the premium amount. Agents should be asked these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can you choose the body shop in case repairs are needed?
- What insurance companies do they recommend if they are an independent agent?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will you get a loaner vehicle if you car is being repaired?
After getting good answers to your questions as well as offering an affordable quote, you may have just found an insurance agency that meets your needs to service your policy.
What is YOUR best insurance company?
Discount Audi A3 insurance in Oklahoma City can be found online in addition to many Oklahoma City insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer the ability to get quotes online and many times these small insurance companies prefer to sell through local independent agencies.
As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your objective should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
Other learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Oklahoma City Car Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has the Cheapest Oklahoma City Auto Insurance for Good Students? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)