Save on 2013 Audi TT Car Insurance Quotes

Nobody enjoys paying for insurance, especially knowing they are paying too much. With consumers having so many choices, it can be hard to pick the cheapest insurance company.

Discounts on 2013 Audi TT insurance

Companies that sell car insurance don’t necessarily list all available discounts very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

  • No Claims – Drivers who don’t have accidents pay less when compared with frequent claim filers.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings when buying auto insurance for TT coverage.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% for TT coverage.

It’s important to note that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

For a list of providers with the best auto insurance discounts, follow this link.

What determines your Audi TT insurance premium

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Rural vs Urban Areas – Residing in less populated areas has it’s advantages when it comes to auto insurance. Urban drivers tend to have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Safe vehicles cost less to insure – Safer cars get lower rates. Safe vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Audi TT earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage if my license is suspended?
  • Am I covered when pulling a rental trailer?
  • How much liability coverage do I need in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Collision coverage – Collision coverage pays for damage to your TT resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability – This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, repair bills for other people’s vehicles, pain and suffering and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2013 Audi TT.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, funeral costs, doctor visits, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to regret that the savings was not a smart move. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Cost effective 2013 Audi TT insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Even more information is available at these sites: