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: Mar 31, 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.

Did a good deal turn into overpriced car insurance? Trust us when we tell you you’re not the only one. Having so many different company options, it can be impossible to find the cheapest insurance company.

You need to do rate comparisons as often as possible since rates are rarely the same from one policy term to another. Just because you had the best rate on TT RS coverage at your last renewal other companies may now be cheaper. You can search a lot of car insurance on the internet, but we’re going to give you some great ideas on how to lower your car insurance bill.

The most recommended method to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is provide a little information such as how much school you completed, the type of vehicles you drive, daily mileage, and coverage limits. That information is sent automatically to multiple insurance coverage providers and you should receive rate quotes immediately.

To check rates for your 2013 Audi TT RS now, click here and complete the quick form.

Cheaper rates by receiving discounts

Some insurers don’t always publicize their entire list of discounts very clearly, so we took the time to find a few of the more common and the more hidden discounts that you may qualify for.

  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
  • Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance coverage on TT RS coverage but check with your company.
  • Senior Discount – Mature drivers may qualify for lower premium rates on TT RS coverage.
  • Drive Less and Save – Keeping the miles down on your Audi could be rewarded with slightly better prices than normal.
  • Paperwork-free – A few larger online companies give back up to $50 just for signing your application on their website.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount due to better safety requirements for newer models.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic.

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

  • Progressive may offer discounts for online signing, multi-policy, good student, homeowner, online quote discount, continuous coverage, and multi-vehicle.
  • AAA may have discounts that include multi-car, AAA membership discount, education and occupation, pay-in-full, multi-policy, good student, and good driver.
  • Farmers Insurance policyholders can earn discounts including distant student, mature driver, alternative fuel, homeowner, youthful driver, bundle discounts, and multi-car.
  • GEICO may include discounts for anti-lock brakes, emergency military deployment, federal employee, driver training, military active duty, membership and employees, and five-year accident-free.
  • Esurance offers premium reductions for anti-theft, homeowner, good student, online shopper, and emergency road assistance.
  • SAFECO offers discounts including drive less, anti-theft, teen safe driver, anti-lock brakes, bundle discounts, and accident prevention training.
  • State Farm offers discounts for Steer Clear safe driver discount, multiple autos, anti-theft, driver’s education, passive restraint, and defensive driving training.

Before purchasing a policy, check with each company which discounts they offer. Some of the discounts discussed earlier may not be available in your area. To find car insurance companies that offer the discounts shown above, follow this link.

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

secured lock Secured with SHA-256 Encryption

Your car insurance coverage should be tailored to you

When buying coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if you may require specific advice.

  • How can I force my company to pay a claim?
  • Does having multiple vehicles earn me a discount?
  • Does car insurance cover theft of personal property?
  • If my pet gets injured in an accident are they covered?
  • What is the difference between comprehensive and collision coverage?
  • Is a fancy paint job covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is no-fault insurance?
  • Is my 2013 Audi TT RS covered for smoke damage?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi TT RS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverage – This coverage covers damage to your TT RS resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means 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. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, emergency aid, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Quote more. Save more.

In this article, we presented many ways to compare 2013 Audi TT RS insurance car insurance rates online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Some insurance coverage companies do not provide online price quotes and these smaller companies prefer to sell through independent agencies. Budget-friendly insurance coverage can be found on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

When searching for cheaper insurance coverage quotes, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links: