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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Looking for the cheapest insurance coverage rates? Shoppers have options when shopping for low-cost Audi TTS insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the best way to price shop coverage for your Audi and get the cheapest rates.

You need to do rate comparisons once or twice a year since insurance prices go up and down regularly. Even if you think you had the best rate for TTS insurance a year ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the quickest way to find lower rates on insurance coverage.

These discounts can lower your insurance quotes

Insurance is neither fun to buy or cheap, but you may find discounts to cut the cost considerably. Some of these disounts will be visible when you purchase, but some need to be specifically requested before being credited.

  • Renewal Discounts – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without raising rates so long as you haven’t had any claims for a set time period.
  • Low Mileage Discounts – Keeping the miles down on your Audi could earn better premium rates on cars that stay parked.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Multi-line Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy auto and life insurance together.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because newer vehicles keep occupants safer.
  • Organization Discounts – Joining certain professional organizations could earn you a nice discount on your next renewal.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic. But any discount will positively reduce your policy premium.

Auto insurance companies that may offer quotes with most of the discounts above are:

Before purchasing a policy, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in every state. For a list of providers that have a full spectrum of discounts, follow this link.

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

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Where can I get affordable car insurance?

There are multiple methods to shop for car insurance, and some are easier and takes less work. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Most of the larger companies take part in a program where prospective buyers send in one quote, and each company returns a competitive quote based on that information. This saves time by eliminating quote requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but make sure you compare apples-to-apples coverages and limits for each price quote. If the quotes have different coverage information it will be next to impossible to determine the best price for your Audi TTS.

Smart buyers can lower their insurance premiums

It’s important that you understand some of the factors that are used to determine the level of your policy premiums. If you understand what determines premiums, this enables you to make decisions that may reward you with lower insurance prices. Many things are part of the equation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are less apparent like your continuous coverage and annual miles driven.

  • Gender and insurance prices – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Males and females tend to get into at-fault accidents in similar numbers, but men have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.
  • Does your job raise your rates? – Do you work in a high-stress field? Occupational choices like doctorsairline pilots and medical professionals tend to pay higher average rates due to high stress and long work days. Other jobs such as professors, students and the unemployed generally pay rates lower than average for TTS insurance.
  • Single drivers may get higher costs – Having a wife or husband may cut your premiums when buying insurance. Having a spouse means you’re more financially stable and statistics prove drivers who are married are more cautious.
  • Avoid unnecessary extra policy coverages – There are a lot of add-on coverages that you can buy on your TTS policy. Coverage for things like vanishing deductibles, accidental death, and extra equipment coverage are some examples. The coverages may be enticing when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Teenagers vs. experienced drivers – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.Teen drivers have been known to be less responsible when driving so they pay higher insurance rates.
  • Choose high safety ratings and save – Safe vehicles tend to have better insurance rates. Safer cars reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Audi TTS is rated at a minimum four stars on you may pay a lower rate.
  • Theft deterrents lowers insurance rates – Selecting a car model with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft.

Different people need different insurance coverage coverages

When buying adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • Which is better, split liability limits or combined limits?
  • Does my car insurance cover rental cars?
  • How does medical payments coverage work?
  • How do I buy GAP insurance?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

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

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Parts of your insurance policy

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Audi TTS.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Liability auto insurance – Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your TTS from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, prosthetic devices, pain medications and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Feed the piggy bank

You just read a lot of tips how to shop for 2010 Audi TTS insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Budget-friendly auto insurance can be bought on the web in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide the ability to get quotes online and these regional insurance providers sell through independent agencies.

When you buy insurance coverage online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. The goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

More tips and info about auto insurance can be read in the articles below: