2015 Audi TTS Insurance Rates in 2024 – 8 Ways to Save

Enter your zip code below to view companies that have cheap auto insurance rates.

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 come up with a payment for expensive auto insurance can drain your personal savings and force you to prioritize other expenses. Doing a price comparison is a smart way to slash your bill and have more disposable income.

Insurance companies such as State Farm and GEICO all promote huge savings with fancy advertisements and it can be hard to separate fact from fiction and find the best price available.

It’s a great practice to compare premium rates quite often because auto insurance rates change regularly. Just because you had the best deal for TTS insurance six months ago there may be better deals available now. There is too much inaccurate information about auto insurance out there, but by reading this article, you’re going to learn some good information on how to find affordable auto insurance.

You may qualify for discounts

Companies offering auto insurance do not list every discount they offer in an easy-to-find place, so the list below contains both well-publicized and the more hidden credits that you can use to lower your rates. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Telematics Devices – Drivers who elect to allow their insurance company to look at their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
  • Life Insurance Discount – Some insurance companies give lower premium rates if you buy some life insurance too.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings up to 30%.
  • Driver Training Discounts – Passing a course teaching driver safety skills could save 5% or more depending on where you live.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Early Renewal Discounts – Some insurance companies provide a discount for buying a policy before your current coverage expires. Ten percent is about the average savings.
  • Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts can save up to 15% off the medical payments premium.
  • Discount for Low Mileage – Driving less may enable drivers to earn cheaper prices.

As a sidenote, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

Companies who may offer many of the previously listed discounts include:

  • GEICO
  • SAFECO
  • State Farm
  • MetLife
  • 21st Century
  • Progressive

Check with each insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your area. To view insurance companies with significant discounts, enter your zip code here.

Where can I get the cheapest insurance coverage?

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the fastest way to get free quotes. You can waste hours talking to insurance agencies in your area, or you could use the web for quick rates.

Most major companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing. This system prevents you from having to do quote forms for every insurance coverage company.

To get comparison pricing now enter your zip code here.

The single downside to using this type of system is buyers cannot specifically choose which companies you want to price. So if you want to choose individual companies to compare, we have a page of low cost insurance coverage companies in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but ensure you’re using apples-to-apples coverages for each price quote. If you have mixed coverages then you won’t be able to make an equal comparison. Just slight variations in coverage limits could mean much higher rates. Just keep in mind that comparing more quotes helps locate a lower rate than you’re paying now.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if you will benefit from professional help.

  • How does medical payments coverage work?
  • Who is covered when they drive my 2015 Audi TTS?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage if my license is suspended?
  • I don’t drive much so do I pay less?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I missing any policy discounts?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Insurance coverage options for a 2015 Audi TTS

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi TTS.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage covers damage to your TTS caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, legal defense fees, medical services, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for things like rehabilitation expenses, doctor visits, chiropractic care, EMT expenses and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

One last thing

We covered a lot of ways to shop for 2015 Audi TTS insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premium rates are with an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Cheaper insurance coverage is attainable both online and from local agencies, so you need to shop insurance with both in order to have the best price selection to choose from. Some companies don’t offer internet price quotes and many times these regional insurance providers provide coverage only through local independent agencies.

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