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 better insurance rates? Consumers have many options when looking for the best price on Audi TTS insurance. They can either waste time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to buy insurance so you’re going to learn the best way to get price quotes for a new or used Audi and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to get comparison quotes every six months because rates go up and down regularly. Even if you got the best premium rates for TTS insurance on your last policy there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to reduce your cost while increasing coverage.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maximizing coverage. This article will help you learn how car insurance quotes work and some money-saving tips. Drivers just need to understand how to compare price quotes on the web.

Ways to get auto insurance quotes

Finding a lower price on 2015 Audi TTS insurance is a fairly straight forward process. All that’s required is to take a couple of minutes comparing rates from different insurance companies. Rate comparisons can be done in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating repetitive form submissions for each price estimate. One form gets coverage cost estimates instantly. It’s definitely the quickest method.

A different way to get comparison quotes is going to each company website and request a quote. For sake of this example, we’ll assume you want to get rates from USAA, GEICO and Farmers. In order to compare rates, you need to go to each individual site and repeatedly type in your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but do your best to use nearly identical coverage limits and deductibles on every price quote you get. If you use different values for each quote it will be nearly impossible to make a fair rate comparison.

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

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The ad said I’d save $427 a year!

Consumers can’t avoid all the ads that promise big savings for switching from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the point that drivers will save a bundle if you move to their company.

How do they all charge lower premium rates?

All the different companies have specific guidelines for the type of driver that will add to their bottom line. An example of a preferred risk might be described as over the age of 45, carries high limits, and drives less than 5,000 miles a year. A driver that meets those criteria will probably get cheap prices and is almost guaranteed to save when switching.

Potential customers who do not fit the “perfect” profile will probably be forced to pay higher premiums which usually ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently make those claims.

Because of this risk profiling, you really should compare price quotes frequently. It is just not possible to predict which auto insurance company will give you lower rates than your current company.

Cheap insurance coverage rates with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some discounts are required to be requested specifically prior to getting the savings.

  • Active Military Service – Having an actively deployed family member could be rewarded with lower rates.
  • Sign Early and Save – Some larger companies give discounts for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles with one company can get a discount for every vehicle.
  • Defensive Driver – Taking time to complete a course teaching defensive driving skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Smart Student Discounts – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance too.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will positively reduce the cost of coverage.

Larger insurance coverage companies and some of the premium reductions they offer are:

  • 21st Century offers discounts including automatic seat belts, driver training, theft prevention, good student, teen driver, air bags, and 55 and older.
  • Progressive includes discounts for continuous coverage, good student, online quote discount, homeowner, multi-vehicle, online signing, and multi-policy.
  • State Farm has discounts for Drive Safe & Save, safe vehicle, driver’s education, anti-theft, accident-free, and good student.
  • Nationwide discounts include Farm Bureau membership, anti-theft, defensive driving, multi-policy, easy pay, business or organization, and good student.
  • Esurance may include discounts for safety device, renters, multi-car, emergency road assistance, anti-lock brakes, homeowner, and claim free.
  • The Hartford may have discounts that include air bag, driver training, good student, anti-theft, defensive driver, vehicle fuel type, and bundle.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. A few discounts might not be offered on policies in your area. To find providers with the best insurance coverage discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I benefit by insuring my home with the same company?
  • When should I buy a commercial auto policy?
  • Does my 2015 Audi TTS need full coverage?
  • Which companies will insure high-risk drivers?
  • What are the financial responsibility laws in my state?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

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

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Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, theft, vandalism and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, EMT expenses, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Liability coverage – Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles, structural damage, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

More quotes mean more savings

A few companies may not offer online quoting and usually these smaller providers prefer to sell through independent agents. Cheaper insurance coverage is possible online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, policy non-renewal, high prices and delays in paying claims. It doesn’t matter what your reason, finding a new insurance coverage company can be less work than you think.

We just presented some good ideas how to get a better price on 2015 Audi TTS insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from some of the smallest insurance companies.

Helpful learning opportunities