Best Quotes for Audi A3 Insurance in Anchorage

Searching for lower-priced Audi A3 insurance in Anchorage? Are you a victim of an expensive insurance policy? Say no more because there are many people just like you.

Insurance for Audi A3Everyone knows that car insurance companies don’t want you comparing rates. Insureds who compare rates annually are highly likely to buy a different policy because they stand a good chance of finding coverage at a cheaper rate. A recent insurance study discovered that consumers who made a habit of comparing rates saved on average $865 a year compared to those who don’t regularly compare prices.

If finding the best rates on Audi A3 insurance is your ultimate target, then learning a little about the best ways to shop for insurance coverage can help simplify the process.

Big-name insurance companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Audi A3 insurance coverage information

The price information below outlines a range of prices for Audi A3 models. Having a good grasp of how insurance rates are determined can help drivers make smart choices when choosing a car insurance company.


Audi A3 Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $144 $322 $368 $22 $110 $966 $81
A3 2.0T Premium Plus Package $144 $322 $368 $22 $110 $966 $81
A3 2.0T Quattro $162 $322 $368 $22 $110 $984 $82
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in your specific Anchorage location which can influence premium rates greatly.

Comparison of policy deductibles

A question often asked by Anchorage drivers is where should you set your physical damage deductibles. The rates below lay out how much more rates are when you buy lower versus higher insurance deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.


Audi A3 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $234 $498 $272 $16 $82 $1,127 $94
A3 2.0T Premium Plus Package $234 $498 $272 $16 $82 $1,127 $94
A3 2.0T Quattro $264 $498 $272 $16 $82 $1,157 $96
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Audi A3 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $130 $262 $272 $16 $82 $762 $64
A3 2.0T Premium Plus Package $130 $262 $272 $16 $82 $762 $64
A3 2.0T Quattro $146 $262 $272 $16 $82 $778 $65
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can affect coverage rates considerably.

Based on the above data, using a $100 deductible costs roughly $31 more each month or $372 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 29 months between claims, you would save money if you decide on a higher deductible.

Full coverage or liability only

The example below visualizes the comparison of Audi A3 premium costs with full coverage and liability only. The rates are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied.

Should you be buying full coverage?

There is no exact formula for eliminating comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Audi A3 replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Informed Drivers Can Cut Their Insurance Prices

A large part of saving on car insurance is knowing some of the elements that go into determining your policy premiums. If you know what determines premiums, this enables informed choices that can earn you cheaper rates.

The following are some of the items utilized by car insurance companies to help set prices.

More effort can pay off

As you quote Anchorage car insurance, never buy less coverage just to save a little money. There have been many situations where someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

Some car insurance companies do not provide the ability to get quotes online and usually these small, regional companies only sell through independent insurance agencies. Affordable Audi A3 insurance in Anchorage can be sourced both online and also from your neighborhood Anchorage agents, and you should be comparing both to get a complete price analysis.

Steps to finding affordable quotes for Audi A3 insurance in Anchorage

If saving money is your primary concern, then the best way to get more affordable auto insurance rates is to start comparing prices regularly from companies that sell auto insurance in Anchorage. Drivers can shop around by following these guidelines.

A valuable tip to remember is to use identical coverages on each quote request and to quote with every company you can. This ensures an accurate price comparison and the most accurate and complete price analysis.

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