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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 2, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for cheaper car insurance rates for your Audi TT RS? There isn’t a single person who looks forward to buying car insurance, especially when they know they could find lower prices if they just compared rates. Consumers have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, it makes it harder to find the best rates for your vehicles.

You need to compare rates periodically because car insurance rates are usually higher with each renewal. Even if you got the best rate on TT RS insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to get good coverage at a lower rate.

Choosing the best insurance company for you is not that difficult. If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. Drivers just need to know the most efficient way to buy auto insurance over the internet.

Lower your insurance prices

Part of the car insurance buying process is learning some of the things that help calculate car insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower car insurance prices. Many things are used when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are not as apparent like your continuous coverage or how financially stable you are.

Listed below are some of the major factors utilized by car insurance companies to help set premiums.

  • Your gender affects premiums – The statistics show women are more cautious behind the wheel. It does not mean females are better drivers. Men and women are in fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.
  • Do you need those extra policy coverages? – There are quite a few add-on coverages you can purchase but may not be useful. Coverages for replacement cost coverage, death and dismemberment, and additional equipment coverage could be just wasting money. The coverages may be enticing when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • When should you not file a claims? – If you file a lot of claims you can look forward to higher rates. Companies provide the lowest premiums to insureds who are claim-free. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • You may save more by combining policies – The majority of car insurance companies apply discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other insurance prices to make sure you are getting the best deal. Consumers may save money by buying from different companies
  • Car insurance rates and your job – Careers like military personnel, architects and dentists generally pay higher premiums than the average policyholder attributed to intense work requirements and incredibly demanding work hours. Conversely, professions such as actors, students and the unemployed get better rates on TT RS insurance.

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

secured lock Secured with SHA-256 Encryption

Get lower-cost rates with these auto insurance discounts

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we took the time to find some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If they aren’t giving you every credit available, you could be saving more on your auto insurance.

  • Military Rewards – Having an actively deployed family member could trigger a small discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates on TT RS insurance than their less cautious counterparts.
  • Early Switch Discount – A few insurance companies offer discounts for renewing your policy before your current coverage expires. This discount can save up to 10%.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote in comparison with drivers who are more careless.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to spy on their driving habits through the use of a telematics system like Allstate’s Drivewise may see discounts as long as the data is positive.
  • Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
  • Defensive Driver Discounts – Passing a course teaching defensive driver skills could possibly earn you a 5% discount and make you a better driver.
  • Professional Organizations – Being in a qualifying organization may earn a discount when shopping for auto insurance.

As a sidenote, some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies and their offered discounts are detailed below.

  • GEICO has discounts for air bags, daytime running lights, defensive driver, multi-policy, and five-year accident-free.
  • USAA may offer discounts for family discount, multi-vehicle, safe driver, annual mileage, good student, and loyalty savings.
  • Progressive has savings for good student, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
  • American Family may include discounts for good driver, air bags, mySafetyValet, multi-vehicle, good student, bundled insurance, and Steer into Savings.
  • Esurance policyholders can earn discounts including good driver, anti-lock brakes, online quote, multi-policy, Switch & Save, safety device, and paid-in-full.
  • Farmers Insurance discounts include teen driver, alternative fuel, good student, business and professional, pay in full, electronic funds transfer, and switch companies.
  • State Farm offers premium reductions for good driver, passive restraint, Steer Clear safe driver discount, driver’s education, student away at school, and multiple autos.

Double check with all the companies which discounts they offer. Some discounts listed above may not be available in your area. To see insurers with discount rates, follow this link.

Big brands don’t always mean big savings

Consumers can’t ignore all the ads for insurance coverage savings from the likes of Allstate and Progressive. They all seem to state the claim that you can save if you switch your insurance coverage coverage to their company.

That’s great but how can every company make the same claim? It’s all in the wording.

Insurance providers have a preferred profile for the right customer that earns them a profit. For instance, a profitable insured should be over the age of 50, has other policies, and the vehicle is rated for pleasure use. Any new insured that hits that “sweet spot” will get the preferred car insurance rates and will probably save money with a new company.

Consumers who fall short of this stringent profile will see more expensive rates which leads to the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully make those claims. This illustrates why you really should get auto insurance quotes as often as possible. It’s just not possible to know which insurance companies will have the best prices for your profile.

Insurance can get complicated

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I crash into my own garage door?
  • How do I buy GAP insurance?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

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

secured lock Secured with SHA-256 Encryption

Car insurance coverages explained

Understanding the coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Auto liability – This can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as structural damage, attorney fees and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

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

Comprehensive can pay for things like hitting a bird, a broken windshield, fire damage, damage from getting keyed and theft. The maximum amount 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 consider dropping full coverage.

Collision coverage – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, hospital visits, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Money doesn’t grow on trees

Discount 2012 Audi TT RS insurance can be bought on the web and with local insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance companies do not offer rates over the internet and these smaller companies prefer to sell through independent insurance agencies.

You just read some good ideas how you can shop for 2012 Audi TT RS insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.

When searching for low cost auto insurance quotes, don’t be tempted to reduce needed coverages to save money. In many cases, an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Additional detailed information can be found by following these links: