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If you’re driving an Audi A1, then you are legally required to purchase auto insurance for it. It’s tempting to find loopholes or ways out of paying exorbitant auto insurance prices for such luxury vehicles. But the truth is that you can find an affordable premium somewhere. You just have to know which of your personal attributes will most likely affect your premium costs, and do what you can to change them for the better.
The Audi A1 is an economy car produced by Audi and classified as a “supermini” – not quite big enough to be considered a minivan, but not nearly small enough to be considered a sedan. It has gradually grown in size and engine power over the years. According to the Euro NCAP, the older models of this particular vehicle (3 door hatchbacks) earned a 5-star safety rating. However, it should be noted that the A1 only scored 49% in pedestrian safety, and a 79% safety rating for child occupants.
The Audi A1 used to be offered in both 3- and 5-door varieties; however, given the increasing preference for larger and larger vehicles in many different markets around the globe, the smaller version of the Audi A1 was discontinued back in 2014. Also, this model may have slightly higher rates of auto theft then other supermini economy cars in its class. Owners or potential buyers of an Audi A1 may want to keep this in mind with regard to their auto insurance premiums.
Do you know whether or not you live in a safe driving area? Well, your insurance company does. Based on your ZIP code, they know the approximate population of the city where you live, statistics on auto accidents, and how often customers in that area tend to file claims. If they think your ZIP code makes you a higher risk driver, they will likely charge you more; conversely, if you live in a particularly safe driving area, you’re more than likely to get a discount on your monthly premium.
And if you think your monthly premium will vary by ZIP code, it may actually be paltry in comparison to how much your monthly payments will be between different companies. That’s why the most important thing you can do if you’re trying to find an affordable rate is to shop around. Just take a look at the chart below; it’s clear evidence that finding the best company in your area is the quickest and easiest way to get the lowest premiums.
Furthermore, how clean is your driving record? The safer a driver you are, the more likely you will be to get the lowest affordable rates. But if you have a ticket or two, if you filed claim within the past few years, or you have serious violations on your driving record, you may need to search for a special type of insurer in order to get adequate coverage. In the chart below, you can see estimates of how your driving record can possibly make your monthly payments more expensive. But, again, if you shop around, you may be able to prevent your rate from being raised quite as high.
At the end of the day, you’re going to want to periodically compare quotes from different insurance agencies – even if you are currently happy with your provider. Trust us; we’ve been experts in the car insurance industry for the past several years. The odds are very good that there is a lower right out there for you, and we can help you find it with our quick and easy quote generator tool.