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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Trying to find the cheapest car insurance rates for your Audi TTS? Finding low cost coverage rates for car insurance can be nearly impossible for drivers who have little experience shopping for insurance online. Consumers have so many options that it can turn into a challenge to compare coverage rates.

Smart consumers take time to do rate comparisons occasionally because prices go up and down regularly. Just because you had the lowest rates on TTS coverage on your last policy there may be better deals available now. You can find a lot of information about car insurance online, but by reading this article, you’re going to learn some of the best ways to find cheap car insurance.

If you have car insurance now, you should be able to cut costs considerably using these tips. Pricing the best coverage is not that difficult. But vehicle owners must understand how the larger insurance companies market on the web and use this information to your advantage.

How much does insurance coverage cost?

When looking for the cheapest car insurance quotes, there are a couple ways to compare quotes from different insurance companies. By far the easiest way to find competitive Audi TTS insurance rates is to jump online and get quotes. This can be accomplished in a couple minutes as outlined below.

  • Hands down the most simple method to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing repetitive form entry for each company you want a rate for. One quote request will get you rate comparisons from several companies. It’s the fastest way to compare.
  • A different way to analyze rates consists of going to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll assume you need rates from Nationwide, State Farm and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
  • The least efficient and most time consuming way to get rate quotes to local insurance agencies. Quoting and buying insurance online has made agencies unnecessary unless you have a need for the advice and guidance only provided by licensed agents. However, consumers can get the lowest quotes online and have a local agent actually service the policy.

It’s your choice how you get your quotes, but try to use exactly the same information on every price quote you get. If your comparisons have different data it will be nearly impossible to make an equal comparison. Even a minor difference in coverage limits can result in a big premium difference. Keep in mind that getting more free quotes helps locate a lower rate than you’re paying now. Not every company provides rate quotes online, so you need to compare prices on coverage from those companies, too.

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Discounts can really help lower rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some need to be specially asked for prior to receiving the credit.

  • Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
  • Discounts for Government Workers – Active or former government employment can save as much as 8% on TTS coverage depending on your company.
  • Renewal Discounts – A few car insurance companies allow discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Bundled Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
  • Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
  • Paperwork-free – A few insurance companies provide a small discount for completing your application on their website.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Clubs and Organizations – Being a member of qualifying employment or professional organizations can get you a small discount when getting a car insurance quote.
  • Data Collection Discounts – Policyholders that allow driving data collection to study when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But any discount will bring down your overall premium however.

Larger car insurance companies and a selection of discounts can be found below.

  • Farm Bureau offers premium reductions for multi-policy, multi-vehicle, good student, driver training, youthful driver, safe driver, and renewal discount.
  • Liberty Mutual may have discounts that include safety features, teen driver discount, multi-policy, good student, new vehicle discount, and exclusive group savings.
  • State Farm has savings for multiple autos, multiple policy, Drive Safe & Save, student away at school, and good driver.
  • Auto-Owners Insurance may include discounts for safe vehicle, multiple vehicles, safe driver, air bags, and paid in full.
  • GEICO may offer discounts for anti-lock brakes, federal employee, defensive driver, daytime running lights, membership and employees, and anti-theft.
  • SAFECO policyholders can earn discounts including anti-lock brakes, drive less, accident prevention training, bundle discounts, homeowner, teen safety rewards, and anti-theft.

If you need lower rates, check with all the companies what discounts are available to you. A few discounts might not be offered in your state. If you would like to view companies that have a full spectrum of discounts, click here.

Will just any policy work for me?

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my custom paint covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I break a side mirror?
  • What are the best liability limits?
  • Do I need higher collision deductibles?
  • Is motorclub coverage worth it?
  • Am I getting all the discounts available?
  • Why am I required to buy high-risk coverage?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

How car insurance companies calculate Audi TTS insurance prices

Consumers need to have an understanding of some of the factors that are used to determine your insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower premium levels.

  • Do you know you’re credit rating? – Having a bad credit score can be an important factor in calculating your insurance rates. Insureds that have very high credit ratings tend to file fewer claims than those with lower credit scores. If your credit score is not that good, you could save money insuring your 2011 Audi TTS by spending a little time repairing your credit.
  • Your spouse saves you money – Walking down the aisle helps lower the price on insurance. Marriage translates into being more mature it has been statistically shown that married drivers get in fewer accidents.
  • Put fewer miles on your vehicle – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Autos that have low annual miles receive lower rates than those that get driven frequently. Double check that your vehicle rating correctly shows the right rating data. An improperly rated TTS may be costing you higher rates.
  • Bad drivers pay high prices – Just one citation could increase your next policy renewal by twenty percent. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers who have license-revoking violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Where you live – Residing in areas with lower population can save you money when shopping for auto insurance. Fewer drivers means less chance of accidents in addition to fewer liability claims. Drivers in populated areas tend to have congested traffic and higher rates of accident claims. The longer drive time means higher likelihood of an accident.
  • Premiums are high for teenagers – Inexperience drivers are statistically shown to be less responsible with other occupants in the car therefore insurance rates are much higher. Parents adding a young driver onto your insurance will cause a huge premium hike. Older drivers tend to be more responsible, tend to file fewer claims , and usually have better credit.
  • Incidental coverages can cost a lot – Insurance policies have a lot of extra add-on coverages that can waste your money but may not be useful. Add-on coverages like rental car coverage, towing coverage, and membership fees may be costing you every month. They may seem like a good idea when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.

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Insurance coverage basics

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

Collision insurance covers damage to your TTS resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, EMT expenses, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverages

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

Comprehensive coverage protects against claims such as hitting a deer, falling objects, hail damage and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability insurance can cover damage that occurs to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Shop smart and save

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cheaper 2011 Audi TTS insurance can be sourced on the web and also from your neighborhood agents, and you should compare rates from both to have the best selection. Some companies do not offer internet price quotes and usually these regional carriers only sell through local independent agents.

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, delays in paying claims and delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is easier than you think.

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