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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Searching for better insurance rates? Consumers have many options when looking for affordable Audi TT insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to buy insurance so you’re going to learn the best way to get price quotes on a Audi and obtain the lowest price from both online companies and local agents.

Verify you’re getting every discount

The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but a few must be specially asked for before being credited.

  • Distant College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
  • Student Discounts – Being a good student may save you up to 25%. You can use this discount normally well after school through age 25.
  • Waiver for an Accident – Not really a discount, but a few companies such as Allstate and State Farm will turn a blind eye to one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Low Miles Discount – Low mileage vehicles can qualify you for discounted insurancerates on garaged vehicles.
  • Life Insurance – Select insurance companies reward you with a discounted rate on car insurance if you buy life insurance from them.
  • Homeowners Pay Less – Owning a home can get you a discount since home ownership is proof of financial responsibility.
  • Bundled Policy Discount – If you combine your auto and homeowners policies and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a insurance quote.
  • New Vehicle Savings – Buying a new car model can get you a discount because new vehicles have to meet stringent safety requirements.

Don’t be shocked that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

A few companies that may include most of these discounts are:

If you need lower rates, check with every company to give you their best rates. All car insurance discounts may not apply to policyholders in your area.

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

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Lower your insurance prices

Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are less apparent like where you live or your commute time.

  • Less chance of injury means lower premiums – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Audi TT earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Tickets will cost you – Having a single chargable violation can increase rates by as much as thirty percent. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who get severe tickets such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state in order to keep their license.
  • Gender is a factor – Statistics demonstrate females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. They both get in fender benders in similar numbers, but the males tend to have higher claims. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and are penalized with high car insurance rates.
  • Single vs. married – Having a significant other may earn you lower rates on car insurance. Marriage is viewed as being more stable financially and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Big cities have higher costs – Being located in less populated areas may provide you with better prices when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates. City drivers tend to have more auto accidents and more time behind the wheel. Longer commute distances means higher likelihood of an accident.
  • Alarms and GPS tracking lower prices – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
  • You may save more by consolidating policies – Many insurers afford a discount to customers who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, you still need to shop around to confirm you are receiving the best rates possible.
  • Limits of liability insurance – Liability coverage kicks in when a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Can my babysitter drive my car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does medical payments coverage apply to all occupants?
  • What is UM/UIM insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • When does my teenage driver need to be added to my policy?
  • Does my 2010 Audi TT need full coverage?
  • How do I file an SR-22 for a DUI in my state?
  • When should I buy a commercial auto policy?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Don’t listen to company ads

Consumers get pounded daily by advertisements that claim the cheapest premium rates from companies such as State Farm, GEICO and Progressive. They all advertise claims that you’ll save big if you get a free insurance quote and switch your car insurance coverage to their company.

It sounds good, but how can they all say the same thing?

Different companies offer their best rates for the type of customer that is profitable for them. A good example of a profitable risk profile may need to be over the age of 35, insures multiple vehicles, and drives less than 7,500 miles a year. A customer that fits those parameters may get the lowest auto insurance rates as well as save quite a bit of money when switching.

Insureds who cannot meet those criteria will probably have to pay more expensive rates with the end result being business not being written. If you pay attention, the ads say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can make those statements. Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. It is impossible to guess with any certainty which company will have the best auto insurance rates.

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

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Detailed coverages of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance will pay to fix damage to your TT caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, damage from getting keyed, a tree branch falling on your vehicle and theft. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, nursing services, hospital visits, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible


Liability coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, funeral expenses, structural damage, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2010 Audi TT.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

In Summary

When getting insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

Budget-conscious 2010 Audi TT insurance is possible both online and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. Some companies may not offer the ability to get a quote online and usually these smaller companies prefer to sell through independent agents.

In this article, we covered a lot of ways to get a better price on 2010 Audi TT insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from an unexpected company.

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