Cheap 2008 Audi TT Car Insurance Rates

Consumers have a choice when looking for the lowest priced Audi TT insurance. You can either waste hours contacting agents getting price quotes or use the internet to get rate quotes. There are both good and bad ways to shop for insurance coverage so you’re going to learn the quickest way to price shop coverage for a Audi and find the cheapest rates either online or from local insurance agents.

Cut your insurance coverage rates with discounts

Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy qualifies for this discount.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when buying insurance coverage for TT coverage.
  • Auto/Home Discount – If you have multiple policies with the same company you will save 10% to 20% off each policy.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for TT coverage depending on your company.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not apply in every state.

How to Compare Insurance Coverage Costs

There are several ways to compare Audi TT insurance coverage prices but some are more efficient than others. You can spend your afternoon talking to agents in your area, or you could use the internet to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program that enables customers to only type in their quote data once, and at least one company returns a rated price based on that information. This saves time by eliminating quotation requests to each company. To participate in this free quote system, click here to open in new window.

The only downside to getting quotes like this is that consumers can’t choose which carriers you want pricing from. If you wish to select specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

However you get your quotes, ensure you are comparing the exact same coverage limits on every quote. If each company quotes unequal deductibles or liability limits you will not be able to find the best deal for your Audi TT.

Factors that can influence Audi TT insurance rates

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Listed below are a partial list of the pieces companies use to determine rates.

  • Poor driving leads to higher costs – Whether or not you get tickets has a big impact on rates. Only having one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers with dangerous tickets like DUI or reckless driving are required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Where do you drive? – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your TT may be wasting your money.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Your location is important – Being located in a small town has it’s advantages when insuring your vehicles. City drivers have congested traffic and longer commutes to work. Fewer drivers means fewer accidents.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and financial analysts are shown to have higher average rates attributed to job stress and long work hours. Conversely, jobs such as scientists, engineers and performers pay the least for TT coverage.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • Marriage brings a discount – Having a spouse can actually save you money on your policy. It means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
  • Keep rates low by being claim-free – Companies generally give cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

You are unique and your car insurance should be too

When buying proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is no-fault insurance?
  • Why do I need rental car insurance?
  • Is my teenager covered with friends in the car?
  • Do I need PIP coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • What can I do if my company won’t pay a claim?
  • Do I need replacement cost coverage on my 2008 Audi TT?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, loss of income, legal defense fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, hitting a bird and fire damage. 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 dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2008 Audi TT.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, ambulance fees, nursing services and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, 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.

In Summary

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, someone dropped collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Budget-conscious 2008 Audi TT insurance is possible both online and with local insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers leave their current company for any number of reasons including policy cancellation, policy non-renewal, questionable increases in premium and even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is less work than it seems.

Much more information about car insurance can be found below: