2012 Audi TTS Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 2, 2024

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Trying to find the cheapest insurance rates for your Audi TTS? Searching for the cheapest insurance for an Audi TTS can be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a Audi and obtain the best price possible either online or from local insurance agents.

Affordable insurance

The majority of larger companies make it easy to get price estimates from their websites. Comparing prices online is very simple as all you need to do is type in the coverages you want on the page. Once you submit the form, the system gets information on your driving record and credit history and provides a quote determined by many factors.

Online price estimates helps simplify price comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it is imperative to get many rate quotes in order to get the best price on insurance.

Compare rates the easy way

A better way to lower your rates uses one form to get prices from several different companies. It saves time, eliminates repetitive work, and makes rate comparisons much more efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out what other companies charge, simply enter your zip code here and complete the simple form. To compare your current rates, we recommend that you enter your coverages exactly as shown on your declarations page. Doing this assures you will have comparison quotes based on identical coverages.

Are you receiving every discount?

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so below is a list a few of the more well known and the harder-to-find credits available to you. If you do not check that you are getting every discount you qualify for, you are just wasting money.

  • Drive Less and Save – Low annual miles may enable drivers to earn discounted rates on garaged vehicles.
  • Passive Restraint Discount – Factory options such as air bags can receive discounts of 20 to 30 percent.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Libery Mutual, GEICO and Allstate may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
  • Defensive Driver Discounts – Completing a course teaching defensive driver skills could cut 5% off your bill if you qualify.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house requires a higher level of personal finance.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since newer models are generally safer.
  • Responsible Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote on TTS insurance compared to accident prone drivers.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

Larger insurance companies and their possible discounts are outlined below.

  • American Family offers discounts for good driver, air bags, good student, defensive driver, and accident-free.
  • State Farm has savings for student away at school, multiple autos, safe vehicle, good student, good driver, and passive restraint.
  • 21st Century may offer discounts for teen driver, anti-lock brakes, defensive driver, automatic seat belts, theft prevention, homeowners, and good student.
  • Travelers offers discounts including payment discounts, early quote, IntelliDrive, driver training, student away at school, and good student.
  • GEICO may have discounts that include good student, emergency military deployment, multi-policy, five-year accident-free, anti-theft, and military active duty.

If you need affordable car insurance quotes, ask all companies you are considering which discounts you qualify for. Some discounts listed above might not apply in your area. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

When in doubt talk to an agent

When choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions can help discover if your situation may require specific advice.

  • What is an SR-22 filing?
  • Can I rent a car in Mexico?
  • Is my ex-spouse still covered by my policy?
  • When should I remove comp and collision on my 2012 Audi TTS?
  • Am I covered when driving someone else’s vehicle?
  • How much liability coverage do I need in my state?
  • Which companies will insure high-risk drivers?
  • Is my 2012 Audi TTS covered for flood damage?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can help protect your family.

Informed consumers can lower insurance rates

A large part of saving on insurance is knowing some of the elements that go into determining your insurance rates. If you understand what influences your rates, this helps enable you to make changes that could result in lower insurance prices.

  • Where you reside plays a part – Having an address in areas with lower population can be a good thing when insuring your vehicles. People who live in big cities have much more traffic and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents.
  • More annual miles equals more premium – The more miles you rack up on your Audi annually the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use cost less to insure than those that get driven frequently. An incorrectly rated TTS may be wasting your money. It’s always a good idea to double check that your insurance declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Guys pay more for insurance coverage – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean females are better drivers. Men and women have accidents at about the same rate, but the men get into accidents with more damage. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Male teenagers generally have the highest accident percentage and therefore are the most expensive to insure.
  • With age comes lower costs – More experienced drivers have been proven to be more responsible, tend to file fewer claims , and are generally more financially stable. Drivers with little experience are statistically shown to be inattentive when driving and because of this, their insurance rates are much higher.

But they said I’d save $490 a year!

Drivers can’t avoid all the ads that promise big savings for switching by companies like State Farm and Allstate. They all seem to make the point that drivers will save a bundle if you just switch your insurance policy to them.

How is it plausible that every one can make almost identical claims?

Insurance providers offer their best rates for the type of driver that earns them a profit. One example of this type of driver could be over the age of 50, has no prior claims, and does not commute to work. Anyone who matches those parameters will qualify for the lowest rates and have a good chance to cut their rates substantially.

Consumers who are not a match for the ideal profile will have to pay higher prices which usually ends up with the customer not buying. The ads state “people that switch” not “all people who quote” can save as much as they claim. That’s why companies can truthfully make it sound like they have such great car insurance rates. Because each company has a different risk profile, you absolutely need to get car insurance quotes as often as possible. It’s just not possible to know the company that will have the best rates for your profile.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.


This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, loss of income, attorney fees, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Audi TTS.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, rock chips in glass, falling objects and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as chiropractic care, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

A fool and his money are soon parted

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

In this article, we covered many tips how you can compare 2012 Audi TTS insurance car insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from some of the smallest insurance companies.

People who switch companies do it for many reasons like lack of trust in their agent, poor customer service, unfair underwriting practices or policy non-renewal. No matter why you want to switch, finding a new company is not as hard as you think.

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