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 5, 2015

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.

Locating cheaper insurance for an Audi TT can normally be an all-consuming task, but you can use our car insurance buying tips to make it easier. There is a better way to compare car insurance rates so you’re going to learn the quickest way to quote coverages for your Audi and obtain the best price possible from local insurance agents and online providers.

It’s a good idea to shop coverage around occasionally since rates are variable and change quite frequently. Even if you think you had the best rate on TT insurance six months ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Consumers just need to learn the proper methods to compare price quotes on the web.

How do insurance providers determine Audi TT insurance prices?

Part of the insurance coverage buying process is learning some of the things that come into play when calculating your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in lower insurance coverage prices. Many things are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, although others are more obscure such as whether you are married or how safe your car is.

  • Bad credit hurts insurance costs – Credit score can be an important factor in determining what you pay. Insureds that have excellent credit scores tend to be more responsible as compared to drivers with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 2005 Audi TT by improving your rating.
  • Reduce rates by driving safer vehicles – Safer cars tend to be cheaper to insure. Highly rated vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Audi TT scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Obey driving laws and save – Drivers with clean records get better rates than their less careful counterparts. Even one chargable violation can bump up the cost twenty percent or more. Drivers unfortunate enough to have license-revoking violations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with the DMV in their state in order to keep their license.
  • Liability insurance limits on your policy – Your policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Cut prices and deter theft – Selecting a car model with a theft deterrent system can get you a discount on your insurance coverage. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent vehicle theft.
  • More policies can equal more savings – Most insurers afford better rates to insureds that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s still a good idea to comparison shop to help ensure you have the lowest rates. You may still save money by buying insurance coverage from a different company.

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

secured lock Secured with SHA-256 Encryption

Compare auto insurance rates

All major auto insurance companies allow consumers to get prices on the web. This process can be done by anyone as you simply enter your personal and coverage information into the form. After you submit the form their rating system automatically retrieves reports for credit and driving violations and quotes a price.

This makes it a lot easier to compare rates but the time required to go to many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you are searching for the best price on auto insurance.

Compare rates the easy way

The quickest way to find better auto insurance pricing uses one simple form that analyzes rates from several different companies. The form is fast, reduces the work, and makes quoting online a lot less work. After sending your information, it is quoted and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It only takes a few minutes and may save quite a bit of money.

To save time and compare rates using this form now, click here and enter your information. If you currently have coverage, we recommend that you enter just like they are on your policy. This ensures you will receive a price comparison based on the exact same insurance coverage.

Auto insurance policy discounts

Some insurance providers don’t always list every available discount very well, so the list below gives a summary of some of the more common and the more hidden credits available to bring down your rates.

  • Telematics Data Discounts – Policyholders that allow driving data collection to scrutinize driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Senior Discount – Older drivers may be able to get a discount up to 10% on TT insurance.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company you may save up to 20% off your total premium.
  • Discount for Swiching Early – A few auto insurance companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Good Student – This discount could provide a savings of up to 20% or more. The discount lasts well after school through age 25.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

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

  • GEICO may have discounts that include seat belt use, emergency military deployment, federal employee, driver training, defensive driver, and multi-policy.
  • Travelers policyholders can earn discounts including multi-car, early quote, payment discounts, home ownership, hybrid/electric vehicle, and IntelliDrive.
  • Farm Bureau has discounts for 55 and retired, multi-policy, youthful driver, good student, multi-vehicle, renewal discount, and driver training.
  • Liberty Mutual offers discounts including newly married, good student, new vehicle discount, new graduate, teen driver discount, exclusive group savings, and hybrid vehicle.
  • American Family discounts include defensive driver, multi-vehicle, good student, air bags, accident-free, mySafetyValet, and good driver.
  • Progressive offers discounts for good student, online quote discount, multi-policy, online signing, and homeowner.

If you want the cheapest car insurance quotes, ask each company to give you their best rates. Depending on the company, some discounts may not be available in your state. For a list of insurance companies that provide some of the discounts listed above, click here to view.

How do I know if I need professional advice?

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if I break a side mirror?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will filing a claim cost me more?
  • Do I need PIP coverage since I have good health insurance?

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 an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

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

secured lock Secured with SHA-256 Encryption

Insurance policy specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Audi TT.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

This protects you from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, legal defense fees, court costs, pain and suffering and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, falling objects, theft, damage from getting keyed and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your TT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for EMT expenses, surgery, chiropractic care and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

As you shop your coverage around, do not skimp on coverage in order to save money. In many cases, someone sacrificed collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Lower-priced 2005 Audi TT insurance is possible both online and from local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some companies may not provide online rate quotes and most of the time these small insurance companies work with independent agents.

We’ve covered many ideas to get a better price on 2005 Audi TT insurance. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company.

Helpful articles