Save on 2015 Audi TTS Insurance Rates

Searching for better insurance rates for your Audi TTS? Purchasing affordable insurance online is rather challenging for consumers not familiar with buying insurance on the web. With so many choices, how can you possibly compare the different rates to find the best available price?

It’s a good habit to get comparison quotes on a regular basis since rates go up and down regularly. Even if you think you had the best rates on TTS coverage six months ago you will most likely find a better rate today. So just forget anything you know (or think you know) about insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

How to Compare Insurance

When shopping for insurance there are multiple ways of comparing price quotes from different insurance companies. One of the best ways to find the cheapest 2015 Audi TTS insurance rates consists of shopping online. This can be accomplished using a couple different methods.

  • The most efficient way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quotes for each company. A single, simple form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  • A different way to shop for insurance online is to take the time to go to the website for every company you want to comare to complete a price quote. For examples sake, we’ll assume you want comparison quotes from Auto-Owners, Safeco and Geico. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage information with each company. If each company quotes different deductibles it will be next to impossible to make a fair comparison for your Audi TTS. Slightly different limits could mean much higher rates. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting a lower rate.

More discounts equal less premium

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but a few must be specially asked for in order for you to get them.

  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums on TTS coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Passive Restraints and Air Bags – Factory air bags may earn rate discounts of 20% or more.

It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce the amount you have to pay.

To see a list of providers offering insurance coverage discounts, follow this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if my car is in a flood?
  • How high should my medical payments coverage be?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Factors that can influence insurance rates for an Audi TTS

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

  • The more you drive the more you pay – The higher the mileage driven in a year’s time the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. If your policy improperly rates your TTS can cost quite a bit. Ask your agent if your insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Credit scores impact insurance rates – A driver’s credit history is a important factor in determining what you pay for insurance. If your credit score is not that good, you could pay less to insure your 2015 Audi TTS by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Rates may be higher depending on your occupation – Careers like judges, social workers and stock brokers tend to have the highest rates in part from stressful work requirements and long work hours. On the other hand, jobs such as scientists, students and the unemployed receive lower rates on TTS coverage.
  • Never go without insurance – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Being married can save on insurance – Having a wife or husband can get you a discount on insurance. Having a significant other is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Lower deductibles cost more – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more money you’re willing to pay, the less your company will charge you for insurance on TTS coverage.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men have accidents at a similar rate, but men tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Allstate, Geico and Progressive continually stream ads on television and other media. They all make an identical promise that you can save after switching to them. How do they all make the same claim? This is how they do it.

All the different companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured might be over the age of 50, has no prior claims, and chooses high deductibles. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Consumers who don’t meet the “perfect” profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can claim big savings.

This emphasizes why you should get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on Audi TTS insurance.

Insurance coverages explained

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, theft and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Audi TTS.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, surgery, hospital visits, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

A tidy conclusion

Cost effective 2015 Audi TTS insurance is definitely available online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just presented many ideas to get a better price on insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage only to regret they didn’t purchase enough coverage. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

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