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
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
I live on the north side of Springfield, MA. I compared lots of rates. Saved roughly $30 a month. Allstate was the most affordable for me. I increased coverages a little too. Just waiting to see how claims go.
Well-written and thought out article. I live in a small town just outside of Kailua, Hawaii. Quoted quotes from Allstate, Eastwood, and Liberty Mutual for my Audi and saved $522 a year. Left State Farm to switch. Switched homeowners coverage too. Still almost need a second mortgage.
I live in a small town just outside of Tucson, AZ. Went online for free insurance quotes for a 2015 Audi TT. Ended up at about $290 savings annually. Went with State Farm.
Live in the western part of Providence, RI. I quoted with Nationwide, Eastwood, GEICO, and American Family for my Audi and I think I saved around $30 each month. I have kids on my policy, too. Online quotes are the way to go.
Live in the northern part of Chesapeake, VA. I got free rates from GEICO, AIG Insurance, and Erie for my Audi and I’m now saving $34 a month. Did it all online.
Do I have to have car insurance in Illinois?
Nice info. I live in Rochester, NY. I quoted with The General, Amica, Nationwide, and a couple others for my Audi and saved just over $400 a year. Thankfully I have a good driving record. Might find lower rates online.
I got decent rates for a 2015 Audi TT in Norfolk, VA. Ended up at right around $190 every six months with Auto-Owners. Good multi-policy discounts.
I’ve bought from Allstate forever. Cheapest rates in South Burlington, VT.
If you have a good history and live in the vicinity of Newark, New Jersey, check out GEICO. They seem to be cheaper. Insured with Travelers before. I have a teen driver too.
I’m in the east part of Rio Rancho, New Mexico. Got car insurance quotes from Auto-Owners, Farmers, and Sentry for my 2015 Audi TT and I think I saved around $50 each month. Not sure if rates are cheaper online or through an agent.
Will State Farm raise rates for a small claim?
If you’re a decent driver and live in the vicinity of Provo, Utah, check out State Farm. They seem to be cheaper.
It all costs too much. I’m in the east part of Knoxville, Tennessee. I don’t recall every quote but I ended up saving about $60 each month. I have a teen driver too. Still almost need a second mortgage.
I’m from Bismarck, ND. Received quotes with 21st Century, Auto-Owners, Encompass, and Hanover for my Audi and cut my rates about $280 a year. Left MetLife to switch. Good savings if you bundle. Not sure if rates are cheaper online or through an agent.
Allstate quoted the best rates in Florida.