View 2014 Audi TTS Insurance Quotes

Nobody likes having to buy auto insurance, particularly when they are paying too much.

Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurance company to find the best rate

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Choosing the best insurance company for you is quite easy. Nevertheless, car owners do need to know the way insurance companies compete online.

Where Can I Get Cheap Car Insurance?

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You could waste a few hours discussing policy coverages with agents in your area, or you could use the web to get prices fast.

All the larger companies take part in a program where insurance shoppers submit their information once, and every company returns a competitive quote based on that information. This system prevents you from having to do quote forms to each company.

To compare 2014 Audi TTS rates using this form now click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick individual companies to compare, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use exactly the same coverages and limits on every quote. If each company quotes different liability limits then you won’t be able to determine the best price for your Audi TTS. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that having more price comparisons will enable you to find a lower rate.

Discounts on Audi TTS insurance

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Sign Online – A few companies will give a small break simply for signing online.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save – Fewer annual miles on your Audi can qualify you for discounted rates on garaged vehicles.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums on TTS coverage.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of insurance companies with the best insurance coverage discounts, click this link.

Factors that can influence insurance rates for an Audi TTS

An important part of buying insurance is that you know the factors that help determine your insurance coverage rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Protect your assets with liability insurance – The liability section of your policy provides coverage if ever a jury decides you are liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Pay less if you’re married – Being married helps lower the price on insurance coverage. Having a spouse translates into being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Pleasure use or commuting – Driving more miles every year the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated TTS can result in significantly higher rates. Double check that your insurance coverage coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a steep fine or even jail time.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Bad driving skills means higher rates – A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • What is the minimum liability in my state?
  • How can I get high-risk coverage after a DUI?
  • Do I need more liability coverage?
  • What is UM/UIM insurance?
  • Who is covered by my policy?
  • Are rental cars covered under my policy?
  • Is my Audi TTS covered if I use it for business?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Do drivers who switch really save $431 a year?

Geico, State Farm and Progressive consistently run television and radio advertisements. All the companies say the same thing that you can save if you change to their company. How do they all make the same claim? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has a high credit rating. A propective insured who matches those parameters will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not match these standards will be charged higher premiums and this can result in business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. This is how companies can advertise the savings. That is why drivers must compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Audi TTS insurance rates.

Insurance coverage considerations

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Liability car insurance – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, structural damage, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2014 Audi TTS.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – This will pay to fix damage to your TTS from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, rolling your car, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Cheaper insurance is a realistic goal

You just learned many ways to save on 2014 Audi TTS insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Cost effective insurance is available online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More tips and info about insurance can be read in the articles below: