2012 Audi TT Insurance Quotes – 8 Tricks for Best Rates

Are you tired of paying out the nose to pay insurance each month? You’re in the same situation as many other consumers.

Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute best rate

Reduce your car insurance rates with these eight discounts

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Some of these disounts will be visible when you get a quote, but some discounts are required to be inquired about before you will receive the discount. If they aren’t giving you every credit available, you are throwing money away.

• Use Seat Belts – Drivers who require all occupants to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• Discounts for New Vehicles – Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
• Sign Early and Save – A few insurance companies give discounts for signing up prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• Senior Citizen Rates – Seniors are able to get a slight reduction on a insurance quote on TT insurance.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
• No Claims – Claim-free drivers can save substantially as compared to insureds who have frequent claims or accidents.
• Sign Online – Some car insurance companies may give you up to $50 just for signing your application digitally online.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

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

• State Farm may include discounts for accident-free, defensive driving training, safe vehicle, good student, and Drive Safe & Save.
• Geico policyholders can earn discounts including anti-theft, seat belt use, multi-policy, five-year accident-free, and military active duty.
• Progressive has discounts for online quote discount, continuous coverage, multi-policy, homeowner, online signing, and good student.
• 21st Century has savings for student driver, teen driver, 55 and older, air bags, automatic seat belts, early bird, and defensive driver.
• American Family offers discounts including accident-free, TimeAway discount, good driver, Steer into Savings, and good student.
• The Hartford may have discounts that include vehicle fuel type, driver training, defensive driver, anti-theft, and good student.
• AAA may offer discounts for education and occupation, pay-in-full, good student, anti-theft, multi-policy, and good driver.

Double check with each company how many discounts you can get. Some discounts may not be available in your area.

Shop insurance coverage online

The are a couple different ways to compare rate quotes from different companies. One of the best ways to compare rates is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

The fastest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This style of form keeps you from doing separate quotation requests for each company. Taking the time to complete one form gets you price quotes from all major companies.

Another way to find more affordable insurance consists of visiting the website for each individual company and fill out their own quote form. For examples sake, let’s say you want to compare rates from Auto-Owners, Safeco and Liberty Mutual. To get rate quotes you would need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you compare the same coverages and limits for every quote you compare. If you enter different liability limits it will be nearly impossible to make an equal comparison. Even a minor difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating the best price. Not every company does online quotes, so you should also compare rates from them as well.

You are unique and your insurance coverage should be too

When choosing coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether or not you may require specific advice.

• Should I put collision coverage on all my vehicles?
• Are my friends covered when driving my car?
• Is my nanny covered when driving my vehicle?
• I have health insurance so do I need medical payments coverage?
• Does car insurance cover theft of personal property?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Can my teen drive my company car?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, colliding with a tree, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like hospital visits, dental work, ambulance fees, EMT expenses and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A little work can save a LOT of money

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

We just showed you a lot of information how to lower your 2012 Audi TT insurance prices. The key thing to remember is the more you quote insurance, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

Helpful information

• How to Avoid Common Accidents (State Farm)
• Older Drivers FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)