2010 Audi TTS Car Insurance Quotes – 9 Tricks for Cheaper Rates

Paying for high-priced Audi TTS insurance can overdraw your checking account and put a big crunch on your finances. Comparing price quotes is a smart way to tighten up your finances.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

If you are paying for car insurance now, you should be able to save some money using these tips. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners should learn the way insurance companies sell online and take advantage of how the system works.

Save money by taking advantage of these nine discounts

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but some may not be applied and must be asked about prior to receiving the credit.

  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break when buying auto insurance for TTS insurance.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for TTS insurance than drivers with accident claims.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

For a list of providers offering auto insurance discounts, click here to view.

Quick Auto Insurance Quotes

The are a couple different ways of comparing price quotes and find the best price. By far the easiest way to find competitive 2010 Audi TTS insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing multiple quote forms for each company. Just one form gets rate comparisons from all major companies.

A more difficult way to find lower rates is to manually visit the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want rates from USAA, Geico and State Farm. You would have to visit each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The most time-consuming way of getting rate comparisons is to spend your day driving to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. Drivers can price shop online and still use a local agent.

Which method you use is up to you, but compare the exact same information with every price quote. If the quotes have mixed coverages you can’t possibly make an equal comparison. Having just a slight variation in limits may cause a big price difference. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting better pricing.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you could use an agent’s help.

  • Can I make deliveries for my home business?
  • Does my insurance cover a custom paint job?
  • I have a DUI can I still get coverage?
  • Which is better, split liability limits or combined limits?
  • Are my friends covered when driving my car?
  • Is my 2010 Audi TTS covered for flood damage?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, prosthetic devices, surgery and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your TTS resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, colliding with a tree, hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Audi TTS.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

You can do this!

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. Too many times, an insured cut liability coverage limits only to discover later that it was a big error on their part. The aim is to buy enough coverage at the best price.

Affordable 2010 Audi TTS insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More information