Lower Your 2008 Audi TT Insurance Cost

Searching for better insurance coverage rates for your Audi TT? Shopping for budget insurance coverage can be rather challenging for drivers new to buying insurance on the internet. With a ridiculous number of online companies available, how can drivers even start to compare each option to find the best price?

These discounts can reduce insurance rates

Insurance is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically at quote time, but a few must be asked about before they will apply. If you are not receiving all the discounts you deserve, you could be saving more on your insurance.

• Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
• Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on TT insurance with a few insurance companies.
• E-sign – A few insurance companies will provide an incentive just for signing your application on the internet.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
• Accident-Free Discounts – Drivers with accident-free driving histories can save substantially in comparison to insureds who have frequent claims or accidents.
• Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
• Service Members Pay Less – Having a deployed family member may lower your premium rates slightly.
• Home Ownership Discount – Being a homeowner can help you save on insurance because it requires personal responsibility.
• Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote on TT insurance than their less cautious counterparts.
• Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.

You can save money using discounts, but some credits don’t apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any amount of discount should help reduce the amount you have to pay.

To find providers who offer insurance discounts, click here to view.

Compare auto insurance quotes

When looking for cheaper insurance coverage quotes, there are a couple ways to compare prices from local auto insurance companies. The recommended way to find the lowest 2008 Audi TT rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

1. The most efficient way to get quotes for comparison is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating separate forms for each price estimate. One simple form gets coverage cost estimates from all major companies. It’s definitely the quickest method.
2. A different way to compare rate quotes is going to the website for every company you want to comare to complete a price quote. For sake of this example, we’ll pretend you need rates from Progressive, Safeco and Travelers. To get rate quotes you would need to navigate to each company’s site and repeatedly enter your information, which can take a lot of time.

   To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you use the exact same deductibles and coverage limits for each comparison quote. If you enter different coverage information it will be very difficult to determine which rate is truly the best. Quoting even small variations in insurance coverages or limits could skew the results. Keep in mind that having more price comparisons helps improve the odds of finding lower pricing.

What determines Audi TT insurance prices?

Multiple criteria are taken into consideration when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are more transparent like where you live or your commute time.It’s important that you understand a few of the rating criteria that are used to determine car insurance rates. If you know what controls the rates you pay, this enables you to make decisions that can earn you better car insurance rates.

The items below are some of the most common factors that factor into your prices.

• Women tend to cost less – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Both genders have fender benders in similar percentages, but men cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
• Discounts for GPS tracking and theft deterrents – Buying a car with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
• Only buy extra coverages you need – There are a ton of extra bells and whistles that can waste your money on your TT policy. Insurance for things like vanishing deductibles, high-cost glass coverage, and term life insurance are probably not needed. You may think they are a good idea initially, but if they’re wasting money consider taking them off your policy.
• Mature drivers pay less – Beginning drivers are proven to get distracted easily in a vehicle so car insurance rates are higher. Older, more experienced drivers are viewed as being more responsible, are lower risk to insure and get fewer tickets.
• Companies want multiple policies – Most larger insurers apply a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to check prices from other companies to make sure you are getting the best deal.There is a chance you can save money by buying insurance from more than one company.
• Miles driven impacts premiums – Driving more miles in a year the higher the price you pay to insure it. Almost all companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Having an incorrect usage rating on your TT is just wasting money. It’s a good idea to make sure your declarations sheet reflects the correct driver usage, because improper ratings can cost you money.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you will benefit from professional help.

• How high should deductibles be on a 2008 Audi TT?
• Does coverage extend to a rental car in a foreign country?
• Why does it cost so much to insure a teen driver?
• When can my company non-renew my policy?
• Can my babysitter drive my car?
• Why am I required to get a high-risk car insurance policy?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I wreck a rental car?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages for a 2008 Audi TT

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage will pay to fix damage to your TT resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hail damage, fire damage, rock chips in glass and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like funeral costs, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They 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. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This coverage protects you from damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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 liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, medical expenses, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Stretch your dollar

A few companies may not have online quoting and most of the time these smaller providers sell through independent agencies. Cheaper car insurance is definitely available from both online companies in addition to many insurance agents, and you should compare rates from both to get a complete price analysis.

Drivers who switch companies do it for many reasons like high prices, high rates after DUI convictions, lack of trust in their agent or even denial of a claim. It doesn’t matter why you want to switch switching car insurance companies is pretty easy and you might even save some money in the process.

As you quote insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best price while not skimping on critical coverages.

Additional information

• Young Drivers: The High Risk Years Video (iihs.org)
• Vehicle Insurance (Wikipedia)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)