Car Insurance Rates for an Audi A3 in Oakland

Insurance quote for Audi A3 in OaklandWould you like to save money by finding cheaper Audi A3 insurance in Oakland? Finding better insurance prices for an Audi A3 in California can normally be a lot of work, but you can learn these tips to save time.

There are more efficient ways to shop for insurance and we’ll show you the proper way to get price quotes for a Audi and get the lowest price from both online companies and Oakland agents.

Audi A3 detailed coverage information

The premium information shown below covers estimates of prices for Audi A3 models. Being aware of how premiums are established can help guide drivers when making smart choices when choosing a car insurance company.

Audi A3 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $206 $490 $534 $32 $160 $1,422 $119
A3 2.0T Premium Plus Package $206 $490 $534 $32 $160 $1,422 $119
A3 2.0T Quattro $234 $490 $534 $32 $160 $1,450 $121
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in garaging location in Oakland which can affect premium rates significantly.

Physical damage deductibles

One common question asked by Oakland drivers is which deductible level should you buy. The following insurance rates may help to conceptualize the rate difference when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Audi A3 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $380 $810 $442 $26 $132 $1,815 $151
A3 2.0T Premium Plus Package $380 $810 $442 $26 $132 $1,815 $151
A3 2.0T Quattro $430 $810 $442 $26 $132 $1,865 $155
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Audi A3 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $278 $546 $442 $26 $132 $1,424 $119
A3 2.0T Premium Plus Package $278 $546 $442 $26 $132 $1,424 $119
A3 2.0T Quattro $314 $546 $442 $26 $132 $1,460 $122
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in Oakland location which can lower or raise insurance rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $32 more each month or $384 for a full year across all Audi A3 models than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 13 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Gender-based insurance rates

The chart below visualizes the comparison of Audi A3 premium costs for male and female drivers. The information is based on no violations or accidents, comp and collision included, $250 deductibles, single status, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The information below illustrates the comparison of Audi A3 yearly insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money on full coverage?

There is no exact formula that is best for determining when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Audi A3 book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If premiums are more than $600 annually for full coverage, then it might be time to buy liability only.

There are some cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Get Cheap Insurance Rates by Understanding These Factors

Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to big savings.

Improve your credit rating and save – An insured’s credit score is a large factor in your rate calculation. If your credit score can use some improvement, you could potentially save money when insuring your Audi A3 by improving your rating. Insureds with good credit tend to be better risks to insure than those with poor credit.

Where you call home plays a part – Choosing to live in smaller towns and rural areas of the country can save you money when talking about insurance. Residents of big cities have congested traffic and more time behind the wheel. Lower population translates into fewer accident claims and a lower car theft rate.

Getting married can save on insurance – Getting married may earn you lower rates on your insurance policy. It translates into being more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.

Minor frequent insurance claims are not good – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Companies in California provide the lowest premiums to people who are claim-free. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

Never let your insurance lapse – Having a lapse in insurance coverage can be a fast way to drive up your policy premiums. And not only will your rates increase, failure to provide proof of insurance could result in a steep fine or even jail time. Then you may be required to file a SR-22 with the California motor vehicle department.

Tickets can increase prices – Having a clean driving record has a big impact on rates. Attentive drivers have lower premiums than bad drivers. Just one ticket may cause rates to rise substantially. Drivers who have gotten severe violations like hit and run, DWI or reckless driving convictions might be required by their state to maintain a SR-22 with their state in order to prevent their license from being revoked.

The information below illustrates how traffic citations and fender-benders influence Audi A3 insurance premiums for different ages of insureds. The data is based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.

Annual miles is a factor – The higher the mileage driven each year the more you’ll pay to insure it. Most insurance companies apply a rate based upon how the vehicle is primarily used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. An incorrectly rated A3 can cost quite a bit. It’s a good idea to make sure your insurance policy properly reflects the correct usage for each vehicle.

Audi A3 insurance claim data – Auto insurance companies include the past claim history for a vehicle as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have a trend towards higher claims will cost more to insure. The table below demonstrates the loss history for Audi A3 vehicles.

For each policy coverage, the claim probability for all vehicles averaged together is represented as 100. Numbers under 100 imply a favorable loss record, while numbers that are greater than 100 point to more claims or statistically larger claims.

Audi A3 Insurance Loss Statistics
Specific Audi 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 from for 2013-2015 Model Years

One last note

You just learned some good ideas how you can reduce Audi A3 insurance premium rates online in Oakland. It’s most important to understand that the more you quote Oakland auto insurance, the better chance you’ll have of finding low cost Oakland auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at the best price.

How to find low-cost rates for Audi A3 insurance in Oakland

If your goal is the lowest price, then the best way to get the cheapest car insurance rates in Oakland is to compare prices annually from insurance carriers in California.

  1. Gain an understanding of how insurance companies determine prices and the things you can change to lower rates. Many rating criteria that increase rates like speeding tickets, careless driving and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
  4. Notify your company or agent of your intent to cancel your existing policy and submit a down payment along with a signed application for the new coverage. Make sure you store the certificate verifying proof of insurance with the vehicle registration.

An essential thing to point out is to use the same liability limits and deductibles on each price quote and and to get price quotes from all possible companies. This provides a fair rate comparison and a thorough price selection.

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