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: May 16, 2018

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If you are new to getting auto insurance quotes online, it’s easy to be baffled by the confusing number of online car insurance companies and websites who all claim to have the lowest rates.

Buy insurance coverage online

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company then gives them pricing. This system prevents you from having to do quotation requests to each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose the insurers you will receive quotes from. If you would rather choose specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

Compare rates however you want, just ensure you’re using equivalent quote information for every quote you compare. If you compare different coverage information it’s not possible to truly determine the lowest rate. Even a minor difference in limits may result in large price differences. And when comparison shopping, comparing a large number of companies helps locate the best offered rates. Not every company allows you to get quotes online, so it’s important to compare price quotes from them, too.

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

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Get cheaper car insurance with discounts

Some insurers don’t always advertise every possible discount very well, so the below list has both well-publicized and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • More Vehicles More Savings – Purchasing coverage when you have more than one vehicle with the same car insurance company can get a discount on all vehicles.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
  • Good Driver Discount – Accident-free drivers can pay as much as 50% less on TTS coverage compared to rates paid by drivers with frequent claims.
  • Military Deployment Discount – Having a family member in the military could trigger a small discount.
  • First Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find affordable auto insurance.
  • Driver Safety – Taking time to complete a course in defensive driving could save 5% or more if you qualify.

A quick disclaimer, most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride. But any discount should help reduce your overall bill.

To view companies who offer free car insurance quotes, click here.

Tailor your insurance coverage coverage to you

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • Do I need more liability coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving a rental car?
  • Where can I find DUI or SR-22 insurance?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

What determines Audi TTS insurance prices?

Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but others are not as apparent like your continuous coverage or how safe your car is.

  • Save by driving less – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Almost all companies calculate prices based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate than vehicles that are driven to work every day. An improperly rated TTS may be costing you higher rates. Verify your declarations sheet reflects how each vehicle is driven.
  • Keep rates low by being claim-free – Insurance companies generally give discounts to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Your car’s features help determine prices – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
  • Always keep your car insurance in force – Going without insurance will be a guaranteed way to increase your rates. In addition to paying higher rates, failure to provide proof of insurance can result in a fine, jail time, or a revoked license.
  • Stress out and pay more – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokersairline pilots and accountants are shown to have higher rates than the rest of us due to high stress levels and lots of time spent away from family. Conversely, careers like professors, students and homemakers receive lower rates on TTS coverage.
  • Having a spouse can save you money – Getting married actually saves money when shopping for car insurance. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

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

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Drivers who switch save $431 a year? Really?

Auto insurance companies such as State Farm and Allstate seem to constantly run ads on television and other media. All the ads make an identical promise that drivers can save some big amount if you change your auto insurance coverage to their company. How is it possible that every company can make the same claim?

Most companies look for specific characteristics for a prospective insured that will be a good risk. One example of a driver they prefer might be between 25 and 40, has a clean driving record, and drives less than 10,000 miles a year. Any person who matches those parameters is entitled to the best price and will also save a lot of money.

Potential insureds who don’t qualify for the requirements will probably have to pay higher premium rates which leads to the prospect going elsewhere. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save that much. That’s why companies can make it sound like they have such great car insurance rates.

Because every company is different, you really need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will give you lower rates than your current company.

Information about specific coverages

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2012 Audi TTS.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

Liability insurance will cover injuries or damage you cause to a person or their property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like medical services, funeral expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your TTS from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, prosthetic devices, rehabilitation expenses, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

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

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a bird, fire damage, falling objects and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money is sweet as honey

Affordable 2012 Audi TTS insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not have internet price quotes and many times these small, regional companies sell through independent insurance agents.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

In this article, we presented many tips how you can lower your 2012 Audi TTS insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

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