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 better auto insurance rates for your Audi TT? Overpriced Audi TT insurance can dwindle your checking account and force you to make sacrifices. Doing a rate analysis is a fast and free way to cut your insurance bill.

You have so many car insurance companies to choose from, and although it’s nice to have a selection, it can be more difficult to find the best rates.

It’s a good habit to take a look at other company’s rates before your next renewal because auto insurance prices are usually higher with each renewal. Just because you had the best price on TT coverage a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the fastest and easiest way to buy cheaper auto insurance.

Buying the best auto insurance is not that difficult. Essentially every driver who is shopping for auto insurance should be able to lower their premiums. But drivers benefit from understanding how big insurance companies market on the web and take advantage of how the system works.

The quickest method to compare policy rates is to know most of the larger companies allow for online access to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information including how your vehicles are used, driver ages, what your job is, and an estimate of your credit level. Your insurance information is instantly sent to multiple top-rated companies and they return rate quotes with very little delay.

If you would like to start a quote now, click here and complete the quick form.

Are you receiving every discount?

Insuring your fleet can be pricey, but there could be significant discounts that many people don’t even know exist. Most are applied at quote time, but some discounts are required to be specially asked for prior to getting the savings.

  • Home Ownership Discount – Just being a homeowner can save you money since owning and maintaining a home means you have a higher level of financial diligence.
  • Discounts for Multiple Vehicles – Insuring multiple cars or trucks on a single policy may reduce the rate for each vehicle.
  • College Student Discount – College-age children who are attending college and leave their car at home may be insured at a cheaper rate.
  • Multi-policy Discount – If you combine your homeowners and auto policies and insure them with the same company you may save over 10 percent off each policy depending on the company.
  • Air Bags and Passive Restraints – Factory options such as air bags can receive discounts of up to 25% or more.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So even though you would think you could get a free auto insurance policy, companies don’t profit that way. But any discount will lower your policy premiums.

If you would like to view companies who offer auto insurance discounts, click here to view.

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

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Audi TT insurance premium factors

Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are more transparent such as your marital status or your financial responsibility.

  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for car insurance. Many insurance companies calculate rates partially by how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. It’s a smart idea to ensure your car insurance coverage reflects the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your TT may be costing you.
  • Having a spouse brings a discount – Getting married may save some money on your policy. It generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Safer vehicles save money – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce occupant injuries and any reduction in injury severity translates directly to fewer claims and thus lower rates. If your Audi scored better than four stars on you are probably receiving a discount.
  • Older drivers pay less – Inexperience drivers are statistically proven to be inattentive and easily distracted behind the wheel so they pay higher car insurance rates. More mature drivers are viewed as being more responsible, cause fewer claims and accidents and are safer drivers.
  • Rates also based on gender – Statistics show that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Men and women get in fender benders in similar numbers, but the men get into accidents with more damage. Men also receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
  • Policy add-ons add up – There are quite a few additional extra coverages that can add up on your TT policy. Insurance for things like roadside assistance, towing, and term life insurance are examples of these. They may sound like good ideas initially, but if you have no use for them think about removing them and cutting costs.
  • Consolidate home and auto and save – Some insurance companies give discounts to customers that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still compare other insurance prices to help ensure you have the lowest rates.

When in doubt talk to an agent

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you may require specific advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?
  • What are the financial responsibility laws in my state?
  • Is pleasure use cheaper than using my 2011 Audi TT to commute?
  • When should I not file a claim?
  • When should I remove comp and collision on my 2011 Audi TT?
  • Should I buy more coverage than the required minimum liability coverage?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Comprehensive protection – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, fire damage, damage from getting keyed and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi TT.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Collision coverage – This coverage covers damage to your TT resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability coverage – Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, attorney fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

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

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Smart consumers save more

Lower-priced insurance coverage is definitely available on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through local independent agencies.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits only to regret they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

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