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...

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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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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.

Looking for the cheapest car insurance rates? Shoppers have lots of choices when shopping for low-cost Audi TT insurance. They can either spend hours calling around trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to find car insurance online and we’ll show you the proper way to price shop coverage for a Audi and locate the lowest price either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Drivers only need to know the best way to find the lowest price online.

How to buy insurance

All major insurance companies such as State Farm, GEICO and Progressive provide prices for coverage on the web. Obtaining pricing is easy for anyone because you just enter your coverage information into the quote form. Once you submit the form, the company’s rating system sends out for your driving and credit reports and returns pricing information based on the information you submitted.

Quoting online helps simplify price comparisons, but the work required to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to perform this step in order to get the lowest price.

The smarter way to get multiple rate quotes uses one form that analyzes rates from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much simpler. After sending your information, it gets priced and you can select your choice of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process takes less than 15 minutes and may result in a nice savings.

If you want to get comparison pricing now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. Doing this assures you are getting an apples-to-apples comparison using the exact same coverages.

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

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Lower rates by qualifying for these nine discounts

Companies don’t always publicize every policy discount very clearly, so we break down a few of the more well known and the more hidden discounts that you can inquire about if you buy car insurance online. If you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your next auto insurance statement.
  • E-sign – Certain auto insurance companies may give you up to $50 shop car insurance on your computer.
  • Telematics Data Discounts – Drivers who elect to allow driving data submission to analyze where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Government Employees – Federal government employees can earn a discount up to 10% on TT coverage with certain companies.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Multi-policy Discount – If you insure your home and vehicles and place coverage with the same company you will save over 10 percent off each policy depending on the company.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Defensive Driver Discount – Participating in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Just know that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, it just doesn’t work that way.

A few companies that may have these benefits include:

When getting a coverage quote, ask each company or agent which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your area. If you would like to view insurance companies with discount auto insurance rates, click this link.

Auto insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if you would benefit from professional advice.

  • What is medical payments coverage?
  • Should I rate my 2003 Audi TT as pleasure use or commute?
  • I don’t drive much so do I pay less?
  • When can I cancel my policy?
  • What exactly is covered by my policy?
  • Are my friends covered when driving my 2003 Audi TT?
  • Why am I required to buy high-risk coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance – Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, doctor visits, X-ray expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, damage from flooding, a broken windshield and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.