Finding low-cost insurance for an Audi A3 in Indiana can turn out to be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to buy auto insurance and we'll show you the absolute fastest way to compare rates for your Audi and obtain the cheapest rates from Indianapolis insurance agents and online providers.

Insurance rates Audi A3 in IndianapolisA recent NerdWallet.com study revealed that nearly 70% of consumers kept their coverage with the same auto insurance company for at least the last four years, and almost half have never even compared quotes to find lower-cost rates. With the average premium in Indiana being $1,390, drivers could save about 55% a year by just shopping around, but they just don't understand how much they could save if they switched.

Consumers should take time to compare rates as often as possible since prices trend upward over time. Even if you think you had the best rate on Audi A3 insurance in Indianapolis six months ago other companies may now be cheaper. Ignore everything you know about auto insurance because we're going to show you the best methods to properly buy coverages and cut your premium.

Best Audi A3 insurance price quotes in Indiana

The following companies offer free quotes in Indianapolis, IN. If the list has multiple companies, we suggest you visit two to three different companies to get the most affordable price.

Audi A3 Insurance Cost Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $196 $428 $380 $22 $114 $1,140 $95
A3 2.0T Premium Plus Package $212 $496 $340 $20 $102 $1,170 $98
A3 2.0T Quattro $194 $340 $286 $16 $86 $922 $77
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can revise rates significantly.

Raise deductibles and save

One common question asked by Indianapolis drivers is how high should the physical damage coverage deductibles be. The following insurance rates may aid in understanding the rate differences between high and low coverage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Audi A3 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $242 $514 $280 $16 $84 $1,161 $97
A3 2.0T Premium Plus Package $242 $514 $280 $16 $84 $1,161 $97
A3 2.0T Quattro $272 $514 $280 $16 $84 $1,191 $99
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Audi A3 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $134 $270 $280 $16 $84 $784 $65
A3 2.0T Premium Plus Package $134 $270 $280 $16 $84 $784 $65
A3 2.0T Quattro $152 $270 $280 $16 $84 $802 $67
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in your specific Indianapolis location which can impact prices significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $32 more each month or $384 a year than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 28 months between claims, you would come out ahead if you opt for a higher deductible.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not even know about. Most are applied at quote time, but lesser-known reductions have to be asked about prior to getting the savings.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

Large auto insurance companies and some of their more popular discounts include:

Check with all the companies what discounts are available to you. Some discounts might not be offered on policies in Indianapolis. To see insurers that offer discounts in Indiana, follow this link.

Car insurance can be complex

Always keep in mind that when comparing coverage, there really is no "best" method to buy coverage. Every insured's situation is different and your car insurance should be unique as well. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance is available from local agents

Some consumers would rather visit with an insurance agent and that is a smart decision Most agents are highly skilled in risk management and help in the event of a claim. One of the benefits of comparing insurance online is you may find lower rates and still have an agent to talk to. And buying from neighborhood agents is important particularly in Indianapolis.

For easy comparison, once you complete this quick form, the coverage information is sent to local insurance agents that can give you free Indianapolis auto insurance quotes for your insurance coverage. You don't have to leave your house because prices are sent to you instantly. In the event you want to quote rates from a specific insurance provider, don't hesitate to find their quoting web page and fill out the quote form the provide.

What types of car insurance agents are in Indianapolis?

If you are searching for a local Indianapolis insurance agency, you should know the different agency structures and how they differ in how they can insure your vehicles. Agencies in Indianapolis can be described as either exclusive or independent (non-exclusive). Either one can sell affordable insurance policies, but it's worth mentioning why they differ since it could factor into buying decisions.

Independent Insurance Agents (or Brokers)

Independent agents do not work for one specific company and that enables them to quote your coverage with any number of different companies and find you the best rates. If premiums increase, they can switch companies in-house and you stay with the same agent. When comparing rates, it's a good idea to get insurance quotes from a few independent agents so that you can do a thorough price comparison. Most also write with companies you've never heard of that can offer cheaper rates than bigger companies.

Shown below are independent insurance agents in Indianapolis that can give you free price quotes.

View more Indianapolis agents

Exclusive Insurance Agencies

Exclusive agencies work for only one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on the products they sell which can be an advantage. Some consumers prefer to use the same agent mostly because of high brand loyalty and solid financial strength.

Below is a short list of exclusive agents in Indianapolis that are able to give comparison quotes.

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Choosing an insurance agent shouldn't rely on just a cheap quote. Any agent in Indianapolis should have no problem answering these questions:

Cheaper coverage is out there

More affordable insurance in Indianapolis is definitely available from both online companies as well as from independent agents in Indianapolis, so you need to shop Indianapolis auto insurance with both to have the best rate selection. A few companies do not offer online price quotes and most of the time these small, regional companies work with independent agents.

In this article, we presented some good ideas how to reduce Audi A3 insurance premium rates online in Indianapolis. It's most important to understand that the more quotes you get, the higher your chance of finding low cost Indianapolis auto insurance quotes. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

As you prepare to switch companies, it's a bad idea to reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits only to regret that it was a big error on their part. Your goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Even more information can be read in these articles: