2014 Audi TT Insurance Cost – 10 Discounts for Cheapest Prices

Searching for the cheapest insurance coverage rates for your Audi TT? Cutting costs on insurance coverage could be nearly impossible for drivers who are beginners to comparison shopping online. Consumers have so many options available that it can be a difficult mission to find more affordable prices.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Pricing the cheapest coverage is easy if you know what you’re doing. But consumers must learn how companies compete online because it can help you find the best coverage.

Low cost insurance prices

Effectively comparing insurance prices can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company returns a rated price. This saves time by eliminating repetitive form submissions to each company.

To compare rates now click to open in new window.

The one disadvantage to using this type of system is you don’t know exactly which carriers you want pricing from. So if you prefer to pick specific providers for rate comparison, we have a page of insurance companies in your area. View list of insurance companies.

Whichever method you choose, be sure you’re using the exact same coverages and limits with every price quote. If you compare higher or lower deductibles you will not be able to determine the best price for your Audi TT. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, making a lot of price comparisons gives you a better chance of getting lower pricing. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare prices from them, too.

Get lower rates with these ten auto insurance discounts

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that you may not even know about. Certain credits will be shown at the time of purchase, but less common discounts must be asked about prior to getting the savings.

  • Membership in Organizations – Joining a professional or civic organization can get you a small discount when shopping for auto insurance.
  • E-sign Discounts – A few insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Early Signing – A few insurance companies offer discounts for buying a policy before your current coverage expires. The savings is around 10%.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates for TT insurance as compared to drivers with claims.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
  • Military Discounts – Being on active duty in the military may lower your rates slightly.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Accident Forgiveness Coverage – Not a discount per se, but some companies like Allstate and State Farm will let one accident slide without raising rates if you have no claims prior to the accident.

Please keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though you would think all those discounts means the company will pay you, you’re out of luck. Any amount of discount should help reduce the cost of coverage.

A list of auto insurance companies and some of the premium reductions they offer can be read below.

  • State Farm has savings for anti-theft, safe vehicle, student away at school, driver’s education, Steer Clear safe driver discount, and defensive driving training.
  • Progressive offers discounts for homeowner, multi-policy, good student, continuous coverage, online quote discount, and multi-vehicle.
  • Progressive has discounts for online signing, online quote discount, continuous coverage, multi-policy, good student, and homeowner.
  • MetLife policyholders can earn discounts including good student, good driver, defensive driver, claim-free, and multi-policy.
  • Farm Bureau may offer discounts for multi-vehicle, youthful driver, multi-policy, 55 and retired, driver training, and good student.
  • GEICO may have discounts that include defensive driver, military active duty, emergency military deployment, membership and employees, five-year accident-free, and anti-theft.
  • SAFECO may include discounts for accident prevention training, anti-theft, bundle discounts, teen safe driver, homeowner, and drive less.

Before buying, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to view auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Insurance coverage can get complicated

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if you might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • What if I owe more than I can insure my car for?
  • Do I need added coverage for expensive stereo equipment?
  • Is my camper covered by my car insurance policy?
  • Do I need replacement cost coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for an Audi TT

Having a good grasp of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses for things like surgery, nursing services, X-ray expenses and ambulance fees. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi TT.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – This pays for damage to your TT resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance – Liability insurance can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, medical services, emergency aid and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

In Summary

Budget-conscious 2014 Audi TT insurance can be found from both online companies in addition to many insurance agents, so you should compare both to have the best selection. A few companies may not offer online quoting and these regional carriers prefer to sell through independent agents.

In this article, we covered many ways to get a better price on 2014 Audi TT insurance. It’s most important to understand that the more companies you get prices for, the better likelihood of getting the cheapest insurance. You may even discover the most savings is with a small local company.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability limits or collision coverage and learned later that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

To read more, feel free to browse the resources below: