Lower Your 2012 Audi TT RS Car Insurance Rates

Searching for lower insurance rates for your Audi TT RS? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us, many consumers feel financially strained by their insurance policy.

You have multiple insurers to pick from, and even though it’s nice to be able to choose, it can be more difficult to compare rates and find the lowest cost insurance.

It’s a good idea to check insurance prices at least once a year because prices trend upward over time. Just because you found the best deal for TT RS coverage a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance online, so I’m going to show you the best ways to quit paying high insurance rates.

Pricing affordable coverage is easy if you know what you’re doing. Basically, every driver who has to buy insurance most likely will be able to find lower rates. But consumers do need to understand the way insurance companies price online insurance and apply this information to your search.

Audi TT RS insurance rates consist of many parts

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what determines base rates enables informed choices that can help you get big savings.

  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Audi TT RS earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Lower rates come with age – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Careers like doctors, social workers and dentists tend to have the highest average rates due to high stress levels and lengthy work days. Other occupations like pilots, historians and homemakers receive lower rates for TT RS coverage.
  • Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Audi from damage. Examples of covered claims could be a windshield shattered by a rock, damage from fire, and burglary. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you’re willing to pay, the bigger discount you will receive for TT RS coverage.
  • You might want pay the small claims yourself – If you file claims often, you can expect higher rates. Car insurance companies award better rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but less common discounts must be specially asked for before being credited.

  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up over the internet.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Low Mileage – Keeping the miles down on your Audi can earn better rates on cars that stay parked.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for TT RS coverage than drivers with accidents.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce your premiums.

For a list of companies who offer insurance coverage discounts, click this link.

Do drivers who switch really save $400 a year?

State Farm, Geico and Progressive continually stream ads on TV and radio. All the companies make the same claim that you can save after switching your coverage to them. But how can every company claim to save you money?

All the different companies can use profiling for the right customer they prefer to insure. An example of a profitable customer might be profiled as between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the “perfect” profile will be charged higher prices which usually ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make those claims.

That is why you absolutely need to get as many quotes as possible. It is impossible to predict which insurance companies will have the lowest Audi TT RS insurance rates.

Do I need special coverages?

When it comes to buying the best auto insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need replacement cost coverage on my 2012 Audi TT RS?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, nursing services, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your TT RS caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, rolling your car, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, damage from getting keyed and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi TT RS.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Liability

This coverage will cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, emergency aid, bail bonds, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Don’t throw your cash in the trash

Cheap 2012 Audi TT RS insurance is possible online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of information how to get a better price on insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

More information can be read at these links: