6 Ways to Get Lower Rates on Audi TT Insurance

Shoppers have lots of choices when shopping for low-cost Audi TT insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to compare rates for your Audi and locate the lowest price.

You need to do rate comparisons every six months due to the fact that insurance rates are constantly changing. Just because you found the best deal for TT coverage two years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance online but with this article, you’re going to get a lot of great tips on how to save money.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but a few must be inquired about before you get the savings.

Homeowners Pay Less – Being a homeowner can save you money because maintaining a house shows financial diligence.
Organization Discounts – Participating in a civic or occupational organization could trigger savings when buying car insurance for TT coverage.
Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
No Charge for an Accident – A few companies will forgive one accident without raising rates if you are claim-free prior to the accident.
No Claims – Claim-free drivers can earn big discounts compared to bad drivers.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But any discount will bring down your overall premium however.

For a list of providers offering car insurance discounts, click this link.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

Is my dog or cat covered if injured in an accident?
How do I file an SR-22 for a DUI in my state?
Does my car insurance cover rental cars?
Why does it cost so much to insure a teen driver?
Is my business laptop covered if it gets stolen from my vehicle?
Do all my vehicles need collision coverage?
Is a no-fault state?
Will my rates increase for filing one claim?
Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

But I prefer to buy car insurance from an agent

A small number of people would prefer to visit with an insurance agent. One of the best bonuses of comparing insurance prices online is you can get lower rates but also keep your business local. And providing support for small agencies is especially important in smaller communities.

To help locate an agent, after submitting this simple form, your coverage information is immediately sent to participating agents who will return price quotes to get your business. There is no reason to even leave your home due to the fact that quote results will go to your email. Now that’s easy! You’ll get the best rates AND an agent nearby.

If you prefer to contact a specific insurance agent in your state, click here.

Deciding on an insurance company should depend on more than just the price. Some important questions to ask are:

How much will you save each year by using a higher deductible?
Does the agency provide any after hours assistance?
Do the coverages you’re quoting properly cover your vehicle?
Can they provide you with a list of referrals?
Can glass repairs be made at your home?
Who is covered by the car insurance policy?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Is working in the agency their full-time job?

After getting good answers as well as a affordable price, you’ve probably found an insurer that can properly insure your vehicles.

The fine print in car insurance ads

Car insurance companies such as Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings if you switch your coverage to them. How can each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer that is profitable for them. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any driver who fits that profile will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be quoted more money which usually ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can make the claims of big savings.

This emphasizes why you should get as many quotes as possible. It’s not possible to predict the company that will fit your personal profile best.

Specific coverages for an Audi TT

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like structural damage, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, vandalism, hitting a deer and damage from flooding. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for bills for things like ambulance fees, chiropractic care, X-ray expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance will pay to fix damage to your TT resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

A little work can save a LOT of money

Consumers switch companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, delays in paying claims and even denial of a claim. It doesn’t matter why you want to switch finding a new company is actually quite simple.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut liability coverage limits and learned later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Discount Audi TT insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.