Lower Your 2012 Audi TTS Car Insurance Rates

Trying to find lower insurance coverage rates? Buyers have a choice when searching for low-cost Audi TTS insurance. They can either spend hours calling around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to compare rates for a Audi and find the lowest price from both online companies and local agents.

Do you qualify for discounts?

Some providers don’t always publicize all disounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts that you may qualify for.

• Early Switch Discount – Some larger companies provide a discount for switching policies early. It could save around 10% when you buy car insurance online.
• Online Discount – A few insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
• Save with a New Car – Adding a new car to your policy may earn a small discount compared to insuring an older model.
• Student in College – Kids living away from home attending college and do not take a car to college can receive lower rates.
• Data Collection Discounts – Insureds who allow their company to track driving manner by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will definitely reduce your overall bill.

Large insurance companies and a summarized list of policyholder discounts are shown below.

• Farmers Insurance may have discounts that include youthful driver, distant student, switch companies, bundle discounts, and teen driver.
• Esurance has savings for multi-car, multi-policy, paid-in-full, anti-lock brakes, and good driver.
• State Farm includes discounts for multiple autos, driver’s education, multiple policy, safe vehicle, passive restraint, accident-free, and student away at school.
• Geico has discounts for membership and employees, defensive driver, good student, five-year accident-free, and seat belt use.
• Allstate policyholders can earn discounts including teenSMART discount, defensive driver, anti-lock brakes, good student, 55 and retired, and auto/life discount.

When comparing rates, check with every company to apply every possible discount. A few discounts might not be offered in your area. If you would like to choose from a list of insurers with discount rates, click this link.

Compare quotes for auto insurance

There are a variety of methods to compare auto insurance prices but some are easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and each participating company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The only downside to getting quotes like this is that you can’t choose the providers to get pricing from. So if you want to choose specific providers for rate comparison, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, compare nearly identical deductibles and coverage limits on every quote you get. If each company quotes different values for each quote then you won’t be able to truly determine the lowest rate.

How your TTS insurance prices are determined

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that aid in calculating your premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that can earn you lower auto insurance prices. Lots of factors are considered when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are less apparent like where you live or your commute time.

The items below are some of the factors auto insurance companies consider when setting your premiums.

• Lower rates with a multi-policy discount – Most larger companies provide a discount for people that buy multiple policies in the form of a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even though this discount sounds good, consumers should still compare other company rates to help ensure you have the lowest rates.There is a chance you can find better rates by buying from different companies
• Adjust deductibles and save – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Audi. A few examples of covered claims are a dented fender, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles state the amount of money you are required to spend if a covered claim is submitted. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for auto insurance for TTS coverage.
• Big cities have higher rates – Having an address in less populated areas can save you money if you are looking for the lowest rates. Residents of big cities regularly have much more traffic and longer commutes to work. Less people living in that area translates into fewer accident claims.
• Liability protection is important – The liability coverage on your policy is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Policy add-ons can waste money – Insurance policies have a lot of extra coverages that can waste your money but may not be useful. Coverages like replacement cost coverage, death and dismemberment, and motor club memberships are probably not needed. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Avoid coverage lapses – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with your state motor vehicle department.
• Older drivers pay less – Inexperience drivers are known to get distracted easily when behind the wheel therefore auto insurance rates are much higher. Adding a teenage driver to your auto insurance policy can be quite pricey. More experienced drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.

Don’t assume everyone needs the same car insurance coverage

When choosing the best car insurance coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

• Do I need to file an SR-22 for a DUI in my state?
• Where can I get insurance after a DUI in my state?
• Does liability extend to a camper or trailer?
• Is my state a no-fault state?
• Is my custom paint covered by insurance?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Drivers can’t get away from all the ads that promise big savings by State Farm and Allstate. All the companies advertise claims about savings just by switching to their company.

That’s great but how can every company have lower policy pricing? Here is the trick they use.

Many companies have strict underwriting profiles for the type of customer that earns them the most money. For example, this type of driver could possibly be over the age of 40, has no prior claims, and has a short commute. Any person who fits that profile will probably get cheap rates and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to this ideal profile will see higher premiums and the customer not purchasing. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can confidently make it sound like they have such great car insurance rates. This illustrates why you really need to get price quotes at each policy renewal. It’s just not possible to know the company that will have the best rates at this point in time.

Insurance policy coverages for an Audi TTS

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, funeral expenses, pain and suffering and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, ambulance fees and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your TTS resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Take this to the bank

When shopping online for car insurance, do not buy poor coverage just to save money. In many instances, an insured dropped full coverage to discover at claim time that it was a big error on their part. The goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

In this article, we presented quite a bit of information on how to shop for 2012 Audi TTS insurance online. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the best auto insurance rates are with a small mutual company.

Low-cost 2012 Audi TTS insurance is attainable both online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and usually these small insurance companies work with local independent agencies.

For more information, feel free to visit these articles:

• Medical Payments Coverage (Liberty Mutual)
• Teen Driving Statistics (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Liability Insurance Coverage (Nationwide)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)