2011 Audi TT Car Insurance Rates

Looking for cheaper car insurance rates for your Audi TT? No one in their right mind looks forward to paying for car insurance, in particular when their premiums are too high.

Insurance companies such as Geico and Progressive persitently shower you with ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s smart to compare rates yearly since rates are variable and change quite frequently. Even if you got the lowest price for TT insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to find out one of the easiest ways to find better coverage at a better price.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. But car owners do need to understand the way companies compete online and use this information to your advantage.

Vehicle Insurance Comparison

To find the best insurance prices, there are several ways to compare rate quotes from different insurance companies. The easiest way by far to find the cheapest 2011 Audi TT insurance rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to find low rates is a comparison rater form click here to open form in new window. This method keeps you from doing multiple quote forms for each company. One form gets you coverage quotes from several companies.
  2. A more difficult way to analyze rates requires a visit to each company website and fill out their own quote form. For examples sake, let’s assume you want to compare rates from Progressive, Safeco and Geico. To get each rate you have to spend time on each company’s site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote. If you have different limits and deductibles on each one you will not be able to make a fair comparison for your Audi TT. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just keep in mind that more quotes helps locate lower pricing.

Drivers who switch save $459 a year? Really?

Insurance coverage companies such as Geico, State Farm and Progressive consistently run ads in print and on television. They all seem to say the same thing that you can save if you change to them. But how can every company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver they prefer to insure. A good example of a profitable customer might be profiled as over the age of 50, is a homeowner, and has a high credit rating. A customer that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the requirements will have to pay more money which usually ends up with business not being written. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully claim big savings.

Because of the profiling, you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.

How to reduce 2011 Audi TT insurance rates

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Most are applied at quote time, but less common discounts must be manually applied before you get the savings.

  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
  • Homeowners Savings – Owning a house may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

It’s important to understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

To see a list of insurance companies with discount car insurance rates, click here.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Is my 2011 Audi TT covered for smoke damage?
  • If I drive on a suspended license am I covered?
  • What is the ISO rating for a 2011 Audi TT?
  • When should I remove comp and collision on my 2011 Audi TT?
  • Am I missing any policy discounts?
  • How high should deductibles be on a 2011 Audi TT?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Liability coverages – This provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, funeral expenses, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, chiropractic care and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed, damage from flooding and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – This coverage covers damage to your TT resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, crashing into a building, hitting a mailbox, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Quote more, save more

We’ve covered a lot of tips how to reduce 2011 Audi TT insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with the smaller companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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