Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 7, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Drivers have a choice when trying to find the lowest priced Audi TT insurance. They can either spend hours driving around to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to buy insurance coverage and you need to know the absolute fastest way to quote coverages for your Audi and find the lowest price.

Smart consumers take time to shop coverage around on a regular basis due to the fact that insurance prices tend to go up over time. Even if you got the best rates on TT insurance last year there may be better deals available now. There are a lot of ways to save on insurance coverage online, but by reading this article, you’re going to learn some of the best ways to lower your insurance coverage premiums.

The most recommended method to compare insurance rates in your area utilizes the fact almost all companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including coverage limits, an estimate of your credit level, whether or not you need a SR-22, and the ages of drivers. Those rating factors is instantly submitted to all major companies and they respond with quotes instantly.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that many people don’t even know exist. Certain reductions will be credited when you quote, but a few must be asked about in order for you to get them.

  • Online Discount – A few insurance companies give back up to $50 shop insurance coverage on their website.
  • Save over 55 – Drivers that qualify as senior citizens could receive lower premium rates on TT insurance.
  • Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Accident Waiver – Not really a discount, but a handful of insurance companies may permit one accident before they charge you more for coverage if you are claim-free for a set time period.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote compared to drivers who are more careless.
  • Own a Home and Save – Simply owning a home may trigger a policy discount on auto insurance because it requires personal responsibility.
  • Driver Safety – Passing a class that teaches defensive driver techniques could save 5% or more depending on where you live.

Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Popular auto insurance companies and some of the discounts are outlined below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, defensive driving training, good student, driver’s education, Drive Safe & Save, good driver, and multiple policy.
  • Esurance discounts include anti-lock brakes, online quote, claim free, good student, defensive driver, and multi-car.
  • Progressive may include discounts for online signing, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
  • Liberty Mutual may have discounts that include multi-policy, new graduate, teen driver discount, new vehicle discount, good student, safety features, and newly retired.
  • Auto-Owners Insurance offers discounts including student away at school, mature driver, air bags, anti-lock brakes, good student, safe vehicle, and group or association.
  • GEICO includes discounts for defensive driver, good student, daytime running lights, anti-lock brakes, membership and employees, seat belt use, and driver training.

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state. To locate insurers with the best auto insurance discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Auto insurance is unique, just like you

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • Will my insurance pay for OEM parts?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance policy specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as legal defense fees, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, doctor visits, X-ray expenses and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, fire damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

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

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

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 and damage to your Audi TT.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

More quotes mean more savings

Consumers switch companies for a variety of reasons including unfair underwriting practices, policy cancellation, denial of a claim or high prices. Regardless of your reason, switching auto insurance companies can be less work than you think.

As you quote insurance coverage, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your objective should be to buy enough coverage at the best cost, but do not skimp to save money.

More affordable auto insurance can be sourced online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide rates over the internet and these smaller providers work with independent agents.

More resources