2011 Audi TTS Insurance Quotes

Are you tired of robbing Peter to pay Paul to insure your Audi every month? Your situation is no different than the majority of other car owners. Popular companies such as Geico and Progressive persitently shower you with advertising and it is challenging if not impossible to ignore the propoganda and find the best price available.

You should make it a habit to price shop coverage yearly because insurance rates trend upward over time. If you had the best price for TTS coverage two years ago a different company probably has better rates today. So forget anything you know (or think you know) about insurance because it’s time to teach you the tricks you need to know to find better rates and still maintain coverage.

If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to know the proper methods to compare price quotes online.

Finding Insurance Deals

Getting a lower price on 2011 Audi TTS insurance can be quick and easy. You just need to invest a little time to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating a different quote for every insurance company. A single, simple form compares rates from multiple low-cost companies.
  • A more difficult way to get quotes online requires a trip to each company website and fill out their own quote form. For example, we’ll assume you want rates from Liberty Mutual, State Farm and American Family. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages for each comparison quote. If your comparisons have different liability limits it will be very difficult to make a fair comparison for your Audi TTS.

Are you falling for claims of savings?

Drivers get pounded daily by advertisements for car insurance savings from the likes of Allstate and Progressive. All the ads have a common claim of big savings if you change your coverage to them.

How do they all say the same thing?

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured could be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements will be quoted higher premiums and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s why companies can truthfully state the savings. This emphasizes why drivers must get as many quotes as possible. You cannot predict which insurance coverage company will fit your personal profile best.

Why you might be paying too much to insure your Audi TTS

Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The following are a few of the “ingredients” used by your company to calculate prices.

  • Equipment add-ons that lower auto insurance rates – Owning a car with an alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • With age comes lower rates – Older drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Poor credit can mean higher rates – Your credit score is a huge factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers with poor credit. If your credit score is low, you could be paying less to insure your 2011 Audi TTS by improving your credit score.
  • Never let your coverage lapse – Allowing your coverage to lapse is a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.You may need to file a SR-22 with your state department of motor vehicles.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Audi earned at least four stars on Safercar.gov it may be receiving lower rates.
  • A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than bad drivers. Even one ticket may increase your cost by twenty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • An active claims history can cost you – Auto insurance companies give cheaper rates to people who are claim-free. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your TTS can result in significantly higher rates.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t always advertise every available discount very clearly, so we break down some of the more common and also the lesser-known ways to save on car insurance. If you’re not getting every credit you deserve, you are throwing money away.

  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for TTS coverage depending on your company.
  • Clubs and Organizations – Participating in a qualifying organization could trigger savings when shopping for car insurance for TTS coverage.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Save over 55 – Mature drivers may qualify for reduced rates for TTS coverage.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

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

Situations that might require an agent

When it comes to choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Is extra glass coverage worth it?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I get a multi-policy discount?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?
  • Do I need an umbrella policy?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover 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. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, loss of income, medical services, structural damage and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, ambulance fees, chiropractic care, hospital visits and funeral costs. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Collision coverage protection

Collision insurance will pay to fix damage to your TTS resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, scraping a guard rail, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Get your money’s worth

We covered some good ideas how to get a better price on 2011 Audi TTS insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best price on insurance coverage is with a small mutual company. They may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Affordable insurance is definitely available on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and these small, regional companies work with independent agents.

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