2015 Audi TT Insurance Cost

Paying for overpriced Audi TT insurance can draw down your funds and put a big crunch on your finances. Doing a rate comparison is a fast and free way to lower your bills every month.

Numerous auto insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest rate

Why your insurance premiums might be higher

When buying insurance it’s important to understand the different types of things that aid in calculating the price you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to better insurance rates. Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or your vehicle rating.

• Your career may increase rates – Occupations like real estate brokers, architects and accountants have higher premium rates due to job stress and lots of time spent away from family. Conversely, careers such as farmers, engineers and performers generally pay rates lower than average on TT insurance.
• Single drivers take more risk – Your spouse may save some money on your policy. Marriage is viewed as being more mature and insurance companies like that being married results in fewer claims.
• Safety first – Cars with high safety ratings tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.
• Claim-free discounts can add up – Auto insurance companies award cheaper rates to people who are not frequent claim filers. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
• Good drivers pay less – Your driving record can have a huge impact on auto insurance premiums. Drivers with clean records get better rates than people who have multiple driving citations. Even a single moving violation can bump up the cost to the point where it’s not affordable. Drivers with multiple tickets like DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
• Poor credit history equals high prices – Credit score is a big factor in calculating your premium rate. If your credit history is low, you could potentially save money when insuring your 2015 Audi TT by repairing your credit. Consumers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.

Insurance coverage rates and discounts

Companies offering auto insurance don’t always advertise every policy discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
• Onboard Data Collection – Insureds that choose to allow data collection to track when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may qualify for discounts up to 30%.
• Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
• Lower Rates for Military – Being deployed with a military unit can result in better insurance coverage rates.
• Discount for Swiching Early – Some insurance coverage companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works.

A list of insurance coverage companies and some of the premium reductions they offer include:

• State Farm may include discounts for safe vehicle, anti-theft, good driver, multiple autos, and multiple policy.
• Geico may have discounts that include emergency military deployment, air bags, driver training, good student, and five-year accident-free.
• SAFECO has discounts for anti-theft, accident prevention training, safe driver, homeowner, bundle discounts, and teen safety rewards.
• Farmers Insurance offers discounts for distant student, pay in full, electronic funds transfer, switch companies, bundle discounts, and good student.
• AAA policyholders can earn discounts including multi-car, anti-theft, education and occupation, good student, AAA membership discount, good driver, and multi-policy.
• USAA offers premium reductions for defensive driver, military installation, vehicle storage, multi-vehicle, annual mileage, good student, and loyalty savings.

When comparing rates, check with every prospective company which discounts you may be entitled to. Discounts may not apply in your state. To see a list of insurance coverage companies who offer online insurance coverage quotes, click here to view.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for insurance savings from companies such as Progressive, Allstate and Geico. All the companies make the same claim that you can save if you switch to their company.

Is it even possible that every company can charge you a lower premium? Just pay attention to how they say it.

Insurance providers quote their cheapest rates for the type of driver that will be a good risk. One example of a driver they prefer could possibly be over the age of 45, owns their home, and drives less than 5,000 miles a year. Anyone who matches those parameters will get a cheap rate quote and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to this stringent profile will get higher premium rates and ends up with business not being written. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s why companies can advertise the savings. Because of this risk profiling, you absolutely need to get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will have the best car insurance rates for your profile.

Situations that may require an agent’s advice

When choosing coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

• Do all my vehicles need collision coverage?
• Does car insurance cover theft of personal property?
• Is motorclub coverage worth it?
• When should my teen driver be added to my policy?
• Is my nanny covered when driving my vehicle?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2015 Audi TT

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage protection

This pays for damage to your TT from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like dental work, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This coverage can cover damage that occurs to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like structural damage, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, fire damage and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Save for a rainy day

We’ve covered a lot of ways to shop for 2015 Audi TT insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the best premium rates are with some of the lesser-known companies. Regional companies may have significantly lower prices on certain market segments compared to the large companies like Allstate, Geico and Progressive.

When you buy insurance coverage online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Cheaper insurance coverage can be found online in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not provide internet price quotes and most of the time these regional insurance providers only sell coverage through independent agents.

Helpful information

• Teen Driver Licensing Information (iihs.org)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)