2013 Audi TT RS Insurance Cost – 6 Tips for Cheaper Prices

Want the cheapest insurance coverage rates for your Audi TT RS? Comparison shopping for insurance coverage is nearly impossible for consumers not familiar with comparing rates online. Drivers have so many options that it can turn into a ton of work to find the best price.

It’s important to do rate comparisons before your policy renews because rates are adjusted regularly by insurance companies. Even if you got the lowest price on TT RS coverage last year you will most likely find a better rate today. You can find a lot of wrong information about insurance coverage online but I’m going to show you the easiest ways to stop overpaying for insurance.

Comprehensive Insurance Comparison Quotes

When shopping for insurance there are multiple ways to compare rate quotes and find the best price. The easiest way to find the lowest 2013 Audi TT RS rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing boring form submissions for each company. One quote request compares rates from many national carriers. Just one form and you’re done.
  • A slightly less efficient method to compare prices consists of visiting each company website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Farmers and Travelers. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended way of comparing rate quotes is to waste gas driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles on every quote you get. If your comparisons have different limits and deductibles on each one it’s not possible to determine the lowest rate for your Audi TT RS. Slightly different limits could mean much higher rates. It’s important to know that comparing a large number of companies gives you a better chance of getting better pricing.

Don’t pay full price with these six discounts

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums on TT RS coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Claim Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on TT RS coverage than their less cautious counterparts.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.

It’s important to understand that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may offer these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not apply everywhere.

Your personal situation dictates your coverage

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • What happens if I owe more than my 2013 Audi TT RS is worth?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy full coverage?
  • Can I still get insurance after a DUI?
  • Do I need more liability coverage?
  • Do all my vehicles need collision coverage?
  • Does liability extend to a camper or trailer?
  • What is the minimum liability in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover 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. You might see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like court costs, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, hospital visits and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your TT RS caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, backing into a parked car, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi TT RS.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Have the Midas touch

Lower-priced 2013 Audi TT RS insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

People who switch companies do it for many reasons like extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason for switching companies, switching companies is not as hard as you think.

In this article, we presented a lot of techniques to reduce insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with a small local company.

More tips and info about insurance coverage is located by following these links: