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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Want lower auto insurance rates for your Audi TTS? Trying to find low-cost insurance for an Audi TTS could be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to buy auto insurance and you need to know the proper way to compare rates for your Audi and obtain the cheapest rates.

You should take the time to get comparison quotes once or twice a year because auto insurance prices change quite often. Just because you found the lowest rates on TTS coverage six months ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

How to shop insurance online

Cutting your insurance rates doesn’t have to be difficult. The only requirement is to take the time comparing free car insurance quotes from some recommended companies. Price comparisons can be done by using one of the methods below.

  1. The most recommended method to get quotes is a comparison rater form click to view form in new window. This type of form keeps you from doing boring form submissions for each price estimate. One quote request compares rates from many national carriers. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to get comparison quotes consists of going to each individual company website and request a quote. For instance, we’ll assume you need rates from Allstate, Safeco and Farmers. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just do your best to enter equivalent information with each company. If you compare unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Audi TTS.

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

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Find discounts to get cheap car insurance rates

Companies that sell car insurance do not list their entire list of discounts in an easy-to-find place, so the list below contains both the well known as well as the least known credits available to bring down your rates.

  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance on TTS coverage with a few car insurance companies.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Own a Home – Owning a home can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Military Rewards – Being on active duty in the military could mean lower premium rates.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn lower car insurancerates on the low mileage vehicles.
  • Senior Citizen Rates – Drivers over the age of 55 may qualify for a slight reduction on a car insurance quote on TTS coverage.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles are generally safer.
  • Sign Online – A handful of companies will give a small break for buying your policy on your computer.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Companies and a selection of discounts are shown below.

  • State Farm policyholders can earn discounts including driver’s education, multiple policy, accident-free, passive restraint, student away at school, anti-theft, and Drive Safe & Save.
  • Progressive may have discounts that include online quote discount, multi-vehicle, homeowner, multi-policy, and online signing.
  • Progressive includes discounts for multi-policy, homeowner, good student, online signing, multi-vehicle, and continuous coverage.
  • MetLife has savings for multi-policy, good student, defensive driver, claim-free, good driver, and accident-free.
  • Farm Bureau offers discounts including multi-policy, youthful driver, good student, safe driver, multi-vehicle, driver training, and renewal discount.
  • GEICO discounts include emergency military deployment, good student, five-year accident-free, federal employee, membership and employees, and military active duty.
  • SAFECO may include discounts for multi-car, teen safety rewards, drive less, homeowner, and accident prevention training.

If you are trying to find low cost car insurance quotes, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies everywhere. To locate insurance companies that offer the discounts shown above, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

  • I have a DUI can I still get coverage?
  • Is upholstery damage covered by car insurance?
  • How does medical payments coverage work?
  • Am I better off with higher deductibles on my 2016 Audi TTS?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when delivering products for my home-based business?
  • Do I need replacement cost coverage?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Audi TTS.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, dental work, chiropractic care and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your TTS resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, fire damage and hitting a deer. The most 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 consider dropping full coverage.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like loss of income, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.