2015 Audi TTS Insurance Rates

Trying to find better insurance rates for your Audi TTS? Being forced to pay for pricey insurance premiums can bottom out your accounts and possibly require you to analyze your spending habits. Doing a price comparison can lower your rates and help to lower your bills every month.

Due to the increasing number of insurance companies to choose from, it can be impossible to locate the lowest cost insurance provider.

Finding affordable coverage is not rocket science. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Vehicle owners just need to know the most efficient way to compare company rates online.

How to shop car insurance online

All major car insurance companies give pricing online. This process doesn’t take a lot of time as you just type in your coverage information as detailed in the form. Behind the scenes, the system automatically orders credit information and your driving record and generates a price. This makes it simple to compare prices but the time required to go to a lot of sites and type in your information is a waste of time. But it’s necessary to get many rate quotes if you want to find the best price on car insurance.

An easier way to compare rates utilizes a single form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as the form is sent, it is quoted and you can choose any or none of the quotes returned. If a lower price is quoted, you can click and sign and buy the policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend that you enter as close as possible to your current policy. Doing this assures you are getting rate quotes for exact coverage.

How your TTS insurance costs are determined

An important part of buying insurance is that you know a few of the rating criteria that help calculate your policy premiums. If you understand what determines base rates, this allows you to make good choices that will entitle you to better auto insurance rates. Many factors are used when quoting car insurance. Some are pretty understandable such as your driving record, but others are less obvious like your continuous coverage or your financial responsibility.

• Save money by having multiple policies – Most larger insurers will award lower prices for people who buy several policies from them in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to comparison shop to guarantee you are still saving the most.
• Deter theft and pay less – Owning a car with a theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
• Gals tend to cost less – The statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are BETTER drivers than men. Women and men are responsible for fender benders in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets like driving under the influence (DUI). Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.
• When should you file a claims? – Auto insurance companies award the lowest premiums to insureds who file claims infrequently. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of larger claims.
• lapses raise prices – Not having insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay higher rates, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Safety ratings are a factor – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less passed on to you as lower rates. If your Audi TTS earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Verify you’re getting every discount

Insurance coverage is easily one of your largest bills, but there could be significant discounts that can help lower your rates. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied in order for you to get them. If you are not receiving all the discounts available, you’re paying more than you need to.

• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on TTS coverage.
• Driver’s Ed – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
• Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Defensive Driver Discount – Taking part in a class that teaches safe driver techniques can save you 5% or more if your company offers it.
• Homeowners Savings – Owning a house can save you money because it shows financial diligence.
• Clubs and Organizations – Having an affiliation with a civic or occupational organization could trigger savings on your bill.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on TTS coverage than their less cautious counterparts.
• New Vehicle Savings – Putting insurance coverage coverage on a new car can be considerably cheaper since newer models are generally safer.
• Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.

Please keep in mind that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Even though it appears you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your policy premiums.

A few popular companies and a summarized list of policyholder discounts are included below.

• Progressive policyholders can earn discounts including homeowner, good student, multi-policy, multi-vehicle, online signing, and online quote discount.
• AAA offers discounts including multi-car, education and occupation, anti-theft, pay-in-full, good driver, and AAA membership discount.
• Farmers Insurance has savings for business and professional, bundle discounts, teen driver, good student, and distant student.
• Geico discounts include military active duty, membership and employees, anti-lock brakes, driver training, daytime running lights, emergency military deployment, and anti-theft.
• Esurance may have discounts that include DriveSense, paid-in-full, claim free, emergency road assistance, good student, and Switch & Save.
• SAFECO offers premium reductions for teen safe driver, drive less, teen safety rewards, bundle discounts, accident prevention training, homeowner, and safe driver.
• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, good driver, and multiple policy.

Before buying, ask every prospective company how you can save money. Savings may not apply in your area. To see a list of insurers who offer discounts, click here to view.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs may require specific advice.

• Do I need to file an SR-22 for a DUI in my state?
• Can I afford to pay high deductible claims out of pocket?
• When should I remove comp and collision on my 2015 Audi TTS?
• When does my teenage driver need to be added to my policy?
• Is a new car covered when I drive it off the dealer lot?
• Do I need added coverage for expensive stereo equipment?
• Does medical payments coverage apply to all occupants?
• Does coverage extend to my business vehicle?
• Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Auto liability – Liability coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses, attorney fees, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Audi TTS.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage will pay to fix damage to your TTS from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, sideswiping another vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, vandalism, theft and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a money saver!

We just covered a lot of techniques to compare 2015 Audi TTS insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance. You may even find the lowest premium rates are with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, never reduce coverage to reduce premium. There are a lot of situations where someone dropped full coverage only to regret that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Additional detailed information is located at these sites:

• Safe Vehicles for Teens (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)