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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I doubt anyone looks forward to buying auto insurance, particularly when the price is too high. You have so many auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

Take policy discounts and save

Car insurance can cost a lot, but you might be missing out on some discounts that can dramatically reduce your bill. Most are applied when you get a quote, but a few need to be asked about in order for you to get them.

  • Discount for Swiching Early – A few insurance coverage companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you up until you turn 25.
  • Responsible Driver Discount – Drivers without accidents can save up to 40% or more on their car insurance quote for TTS insurance compared to rates paid by drivers with frequent claims.
  • Defensive Driver Discount – Taking a class that teaches defensive driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save a little off the medical payments premium.
  • Multi-line Discount – Larger insurance coverage companies have better rates if you take out some life insurance in addition to your auto policy.
  • Paper-free Discount – A few larger online companies provide a small discount for signing up digitally online.

As a sidenote, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

Car insurance companies that may offer these discounts include:

Before purchasing a policy, check with every company to apply every possible discount. Some discounts listed above might not be offered on policies in every state. For a list of insurance coverage companies who offer free insurance coverage quotes, click here.

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

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Get cheap auto insurance with these tips

An important part of buying insurance is that you know some of the elements that help calculate your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs. Many factors are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are more obscure such as whether you are married or how safe your car is.

  • Save annual miles and save money – The higher the miles on your Audi in a year’s time the higher your rates will be. A lot of insurance companies calculate rates determined by how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates than those that get driven frequently. Improper usage on your TTS can result in significantly higher rates. Make sure your auto insurance declarations sheet states the right rating data, because improper ratings can cost you money.
  • If you don’t need it don’t buy it – Insurance companies have many additional extra coverages that you can get tricked into buying but may not be useful. Things like personal injury protection, towing, and motor club memberships may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.
  • Does insurance coverage cost more for males? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. They both cause fender benders at a similar rate, but men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving.
  • Getting married pays dividends – Walking down the aisle may earn you lower rates on auto insurance. Having a significant other generally demonstrates drivers are more mature it has been statistically shown that drivers who are married file infrequent claims.
  • Lower premiums for safer cars – Safer cars cost less to insure. Safer cars have better occupant injury protection and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If your Audi TTS scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Big city or small town – Living in less populated areas of the country is a good thing when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accidents. Drivers who live in large cities have more auto accidents and much longer commute distances. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • High physical damage deductibles reduce rates – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims could be a dented fender, damage caused by hail, and burglary. The deductibles are the amount of money the insured will be required to pay before your auto insurance pays a claim. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance for TTS insurance.

Which policy gives me the best coverage?

When choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Should I get collision insurance on every vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my 2013 Audi TTS covered for smoke damage?
  • What is the rate difference between pleasure use and commuting?
  • When should I remove comp and collision on my 2013 Audi TTS?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Save $393 a year? Really?

Consumers can’t get away from ads for cheaper insurance coverage from companies such as State Farm, GEICO and Progressive. All the ads advertise the message that people will save if you switch to them.

How does every company claim to save you money? Just pay attention to how they say it.

All companies have specific guidelines for the type of customer that will most likely be profitable. A good example of a profitable insured might be described as married and over the age of 30, has a clean driving record, and drives less than 10,000 miles a year. Any person who fits that profile will probably get the lowest prices and will probably cut their rates substantially.

People who don’t measure up to those standards will be charged higher premiums and this results in the customer buying from a different company. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” save that much. This is how insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you should get car insurance quotes from several different companies. It’s impossible to know which company will give you lower rates than your current company.

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

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What insurance coverages do you need?

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Audi TTS.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from 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. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, damage from getting keyed, vandalism, theft and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Final thoughts

There are still a few companies who do not provide the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents. Cheaper insurance is definitely available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection.

In this article, we covered a lot of tips how to get a better price on 2013 Audi TTS insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may discover the lowest priced insurance comes from a lesser-known regional company. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

To learn more, link through to the articles below: