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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Searching for the cheapest auto insurance rates for your Audi TT? Are you irritated from sacrificing to pay auto insurance each month? Your situation is no different than the majority of other consumers. Many auto insurance companies compete for your business, so it’s not easy to compare every provider and get the definite best price available.

It is always a good idea to price shop coverage occasionally because auto insurance rates go up and down regularly. Even if you think you had the best deal for TT insurance on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the only way to lower your annual insurance bill.

How much does insurance cost?

Performing a rate comparison can be a daunting task if you aren’t aware of the easiest way. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on that information. This eliminates the need for quote requests to every company.

To find out what other companies charge click here (opens in new window).

The only downside to pricing coverage this way is you can’t choose which companies you want to price. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you are using equivalent quote data for every company. If each company quotes different data you will not be able to determine the best price for your Audi TT.

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

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Switch companies and save? Really?

Consumers get pounded daily by advertisements that claim the lowest premium rates by State Farm and Allstate. All the ads advertise claims that you can save if you switch to their company.

How does each company save you money? It’s all in how they say it.

All companies require specific criteria for the type of customer that will most likely be profitable. For instance, this type of insured may be a mature driver, has a clean driving record, and insures a new vehicle. A customer who matches those parameters gets the lowest rates and is almost guaranteed to save if they switch.

Consumers who do not meet these criteria may be required to pay higher rates and the customer buying from a different company. The wording the ads use say “drivers that switch” not “everybody who quotes” save money. That is how companies can truthfully advertise the savings.

Because of this risk profiling, it’s extremely important to get a wide range of price quotes. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Auto insurance policy discounts

Car insurance companies do not advertise the entire discount list very clearly, so the list below details some of the more common and also the more inconspicuous discounts you could be receiving when you buy auto insurance online. If you are not receiving all the discounts available, you could be getting lower rates.

  • Membership in Organizations – Affiliation with a civic or occupational organization could trigger savings when getting a auto insurance quote.
  • Air Bags and Passive Restraints – Vehicles with factory air bags may get savings as much as 30%.
  • Homeowners Savings – Owning a house can get you a discount because maintaining a house is proof of financial responsibility.
  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Just because you may think you could get a free auto insurance policy, nobody gets a free ride. But all discounts will cut your auto insurance premiums.

Insurance companies that may offer policyholders many of the previously listed discounts are:

If you are trying to find cheaper auto insurance quotes, ask all companies you are considering which discounts they offer. Depending on the company, some discounts might not be offered in your area. To view companies that offer many of these discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Do I have coverage when making deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • When should I remove comp and collision on my 2015 Audi TT?
  • Are rock chip repairs covered?
  • How do I buy GAP insurance?
  • Can I afford low physical damage deductibles?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company won’t pay a claim?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

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

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Auto insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist 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. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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. Usually these coverages are identical to your policy’s liability coverage.

Collision – This coverage pays for damage to your TT resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, surgery and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as medical services, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, hitting a bird, hail damage and theft. The highest amount a insurance company will pay at claim time 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.

Saving money makes a lot of cents

When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

A few companies do not offer online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agencies. Lower-priced insurance can be found online and also from your neighborhood agents, so you should compare both to get a complete price analysis.

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