If you're new to shopping for Evansville auto insurance quotes online, you can easily be bewildered thanks to the incredible selection of insurers all promising to save you money.

Insurance quote for Audi A3 in EvansvilleUnbelievable but true according to a study the vast majority of insurance customers kept their coverage with the same insurance company for at least four years, and just under half have never even compared quotes to find affordable rates. Evansville drivers could save almost $697 a year by just comparing rate quotes, but most just don't grasp the amount of savings they would get if they bought a different policy.

You need to do price comparisons as often as possible because insurance prices fluctuate regularly. If you had the lowest rates on Audi A3 insurance in Evansville at your last renewal you can probably find a better premium rate now. There are lots of tips to save on A3 insurance online, but in a few minutes you can learn a lot of great tips on how to lower your insurance rates in Evansville.

Best companies for low-cost Audi A3 insurance in Indiana

The companies in the list below offer free rate quotes in Evansville, IN. If the list has multiple companies, we recommend you compare several of them in order to find the most affordable rates.

Audi A3 Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $104 $230 $270 $16 $80 $700 $58
A3 2.0T Premium Plus Package $152 $340 $318 $18 $94 $922 $77
A3 2.0T Quattro $210 $426 $264 $16 $80 $996 $83
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location which can revise premium rates noticeably.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The tables below sum up the differences in price between high and low coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Audi A3 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $216 $430 $280 $16 $84 $1,051 $88
A3 2.0T Premium Plus Package $216 $430 $280 $16 $84 $1,051 $88
A3 2.0T Quattro $244 $430 $280 $16 $84 $1,079 $90
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Audi A3 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $176 $348 $280 $16 $84 $904 $75
A3 2.0T Premium Plus Package $176 $348 $280 $16 $84 $904 $75
A3 2.0T Quattro $200 $348 $280 $16 $84 $928 $77
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can influence rates substantially.

Based on this data, using a $250 deductible costs about $13 more each month or $156 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 19 months between claims, you would more than likely save some money if you elect the higher deductible. The numbers below show an example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $76
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Cheaper Audi A3 insurance in Evansville

Companies offering auto insurance do not advertise every discount they offer very clearly, so the below list has some of the best known and the more hidden credits available to bring down your rates.

Just know that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Even though it appears you could get a free insurance policy, you won't be that lucky.

For a list of providers that offer multiple discounts in Indiana, follow this link.

You may need help from a local insurance agent

Certain consumers just prefer to buy from a local agent and that is a personal choice. One of the best bonuses of comparing car insurance online is the fact that drivers can get cheap car insurance quotes and still buy from a local agent.

For easy comparison, once you complete this quick form, the coverage information gets sent to local insurance agents who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go to the email address you provide. You can find lower rates and work with a local agent. If you have a need to compare rates from a specific company, you just need to visit that company's website and fill out the quote form the provide.

Selecting an company should include more criteria than just the premium amount. A good agent in Evansville will have answers to these questions.

Two types of Evansville auto insurance agents

If you are wanting to purchase car insurance from a local Evansville insurance agency, you must know there are a couple types of insurance agents and how they function. Evansville agents are either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are well trained on their products and sales techniques which helps offset the inability to provide other markets. Some people will only buy from the same agent for years mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive insurance agencies in Evansville who can help you get price quote information.

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Independent Car Insurance Agencies

Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier which requires no work on your part. When shopping rates, it's recommended you get quotes from several independent insurance agents in order to have the best price comparison. A lot of them also have access to lesser-known insurance companies that can offer cheaper rates than bigger companies.

Below are Evansville independent insurance agents that can give you price quotes.

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One last note

Some auto insurance companies do not provide price quotes online and many times these small, regional companies prefer to sell through independent agents. Cheap Audi A3 insurance in Evansville can be purchased on the web as well as from insurance agents, and you need to comparison shop both to get a complete price analysis.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

People change insurance companies for any number of reasons including poor customer service, questionable increases in premium, policy non-renewal or delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

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