2008 Audi TT Insurance Quotes – 10 Tricks for Best Rates

Looking for lower insurance rates for your Audi TT? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me, you’re not alone. Because there are so many companies to choose from, it can be challenging to locate the best insurer.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you complete an application, but a few need to be asked for prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for TT coverage depending on your company.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

Insurance companies that may offer some of the above discounts include:

Double check with each company which discounts they offer. Some discounts may not be available in your area.

Situations that might require an agent

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine if you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover a custom paint job?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when driving in Canada or Mexico?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage options for an Audi TT

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against things such as hail damage, rock chips in glass, fire damage, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage provides protection from damage that occurs to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, structural damage, repair costs for stationary objects, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like X-ray expenses, pain medications, rehabilitation expenses, hospital visits and prosthetic devices. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Audi TT.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage will pay to fix damage to your TT resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

A fool and his money are soon parted

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage only to regret at claim time that it was a big mistake. The aim is to buy enough coverage at a price you can afford.

We covered a lot of techniques to compare 2008 Audi TT insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Discount insurance can be found both online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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