Compare 2016 Audi TT Insurance Cost

Tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers.

Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the lowest cost out there.

How much can you save with discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few need to be requested specifically before being credited.

  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on your policy for TT coverage.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Drivers Education – Have your child complete a driver education course in high school.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for TT coverage depending on your company.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not apply in your area.

Free Quotes for Insurance

All major insurance companies provide prices directly from their websites. Getting online rates is pretty painless as you simply enter the coverages you want as detailed in the form. Behind the scenes, the system requests information on your driving record and credit history and generates pricing information based on many factors. Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it is imperative to perform this step if you want to find the best price possible.

There is a better way to compare rates

An easier way to get multiple rate quotes utilizes a single form that gets price quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes online price comparison much simpler. As soon as the form is sent, it is quoted and you are able to buy any of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process only takes a few minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here and fill out the form. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. Doing this assures you will have comparison quotes using the same coverage and limits.

Elements that influence Audi TT insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to better insurance rates.

  • Bad driving skills means higher rates – Good drivers get better rates than people who have multiple driving citations. Even one moving violation can increase rates twenty percent or more. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • More miles equals more premium – Driving more miles each year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your TT can result in significantly higher rates. Double check that your insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Multi-policy discounts can save money – Some insurance companies give discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Audi TT is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

How much car insurance do I need?

When choosing adequate coverage, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Do I have coverage when making deliveries for my home business?
  • Does my 2016 Audi TT need full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Where can I get insurance after a DUI in my state?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Auto insurance companies such as State Farm, Geico and Progressive continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching to their company. How do they all claim to save you money?

All the different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a preferred risk might be between 25 and 40, is a homeowner, and has excellent credit. A driver that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will be quoted a more expensive rate which usually ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why companies can truthfully advertise the way they do.

This emphasizes why you should get a wide range of price quotes. You cannot predict which auto insurance company will give you the biggest savings on Audi TT insurance.

Specific coverages for a 2016 Audi TT

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, damage from flooding, hitting a bird and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This coverage will pay to fix damage to your TT resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, backing into a parked car, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, chiropractic care, X-ray expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – This protects you from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like attorney fees, funeral expenses, medical expenses, loss of income and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Final thoughts

Lower-priced 2016 Audi TT insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In many instances, an accident victim reduced physical damage coverage only to find out that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Even more information is available at these sites: