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 1, 2018

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Are you confused by the dozens of auto insurance companies that you can choose from? Many other drivers are too. People have so many companies to choose from that it can be a difficult situation to find a cheaper company.

Affordable insurance coverage

Most companies provide insurance quotes on their websites. Getting prices online is pretty easy because you just enter your coverage preferences into a form. Upon sending the form, their rating system requests credit information and your driving record and returns pricing information based on the information you submitted.

This makes it easy to compare insurance prices but the process of having to visit several different sites and enter the same data into a form can get tiresome after awhile. But it’s also necessary to perform this step in order to get lower prices.

There is a better way to compare rates

The easiest way to lower your insurance coverage bill requires only one form that gets prices from several different companies. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable. After sending the form, it gets priced and you are able to buy any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and can result in significant savings.

To quickly find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you replicate your coverages exactly as shown on your declarations page. Doing this guarantees you’re receiving a fair comparison for exact coverage.

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

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Do drivers who switch really save?

Auto insurance providers like Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to say the same thing that drivers can save some big amount just by moving your auto insurance coverage to their company. How is it plausible that every one can offer you a better deal? Here is the trick they use.

Most companies quote their best rates for a prospective insured that will most likely be profitable. One example of a profitable insured might have to be over the age of 35, is a homeowner, and the vehicle is rated for pleasure use. A customer getting a price quote that matches those criteria is entitled to the best price and have a good chance to cut their rates if they switch.

People who may not quite match the requirements will have to pay higher premium rates which leads to business not being written. If you listen closely, the ads state “customers that switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully make the claims of big savings. Each company has different criteria, so you really should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Lower your insurance rates

Lots of factors are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are less obvious such as your marital status or how financially stable you are.It’s important that you understand the factors that help determine the price you pay for insurance. When consumers understand what determines base rates, this allows you to make educated decisions that may reward you with lower insurance prices.

Listed below are some of the major factors used by companies to determine prices.

  • Big city or small town – Choosing to live in less populated areas of the country can be a good thing if you are looking for the lowest rates. Urban drivers regularly have much more traffic and much longer commute distances. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • More stress means more cost – Did you know that where you work can have an impact on rates? Careers like military generalsairline pilots and emergency personnel tend to have the highest rates attributed to high stress levels and lengthy work days. On the flip side, careers such as professors, athletes and performers pay the least on TTS coverage.
  • Always keep your insurance in force – Driving without insurance coverage in place is a misdemeanor and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage may earn you fines or a revoked license.
  • Liability – The liability coverage on your policy will provide protection if you are ruled to be at fault for physical damage or personal injury to other. It will provide legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
  • Frequent claims will cost you – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Insurance companies award the best rates to policyholders who do not rely on their insurance for small claims. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Get cheap car insurance rates with discounts

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the list below gives a summary of some of the more common and also the lesser-known discounts that may be available.

  • Early Renewal Discounts – Some companies give discounts for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
  • E-sign Discounts – A few car insurance companies will give you a small discount just for signing your application on their website.
  • Active Military Service – Having an actively deployed family member can result in better prices.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • 55 and Retired – Drivers over the age of 55 may qualify for reduced rates on TTS coverage.
  • Defensive Driver – Taking part in a course in defensive driving may get you a small discount and easily pay for the cost of the class.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.

Companies and the discounts they provide can be read below.

  • State Farm may have discounts that include multiple autos, passive restraint, driver’s education, defensive driving training, and anti-theft.
  • Farmers Insurance includes discounts for early shopping, multi-car, pay in full, good student, switch companies, youthful driver, and electronic funds transfer.
  • GEICO may offer discounts for anti-theft, seat belt use, air bags, federal employee, daytime running lights, defensive driver, and multi-policy.
  • American Family policyholders can earn discounts including mySafetyValet, multi-vehicle, early bird, good student, TimeAway discount, and defensive driver.
  • Nationwide may include discounts for multi-policy, easy pay, accident-free, family plan, Farm Bureau membership, defensive driving, and anti-theft.
  • Progressive discounts include multi-vehicle, multi-policy, homeowner, online signing, online quote discount, good student, and continuous coverage.

Double check with all companies you are considering which discounts can lower your rates. A few discounts might not be offered in your area.

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

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Tailor your insurance coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions can help discover if you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my teen driver covered when they drive my company car?
  • How can I find cheaper teen driver insurance?
  • When should I remove comp and collision on my 2014 Audi TTS?
  • Am I insured when driving a different vehicle?
  • Am I covered when pulling a rental trailer?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi TTS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, medical expenses, repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer, vandalism and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for expenses like prosthetic devices, hospital visits and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Better coverage you can count on

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

We covered a lot of techniques to lower your 2014 Audi TTS insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with some of the lesser-known companies.

People switch companies for many reasons like poor customer service, unfair underwriting practices, policy non-renewal and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.

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