2017 Audi TT Insurance Rates 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: May 9, 2024

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Want cheaper insurance coverage rates for your Audi TT? Car owners that are new to comparing auto insurance prices on the internet are likely to find purchasing low cost insurance can be quite difficult.

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. Nevertheless, vehicle owners should learn how the larger insurance companies determine prices and apply this information to your search.

How to compare insurance rate quotes

There are several ways to compare insurance quotes, but some are more efficient than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use the internet to get pricing more quickly.

Most of the best insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote. This system prevents you from having to do form submissions to every company.

To enter your information into the quoting system, enter your zip code here.

The only downside to comparing rates this way is you are unable to specify which providers you want to price. If you would rather choose from a list of companies to compare, we have assembled a list of insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just make sure you are using equivalent information on every price quote you get. If you are comparing different limits and deductibles on each one you can’t possibly decipher which rate is best. Just a small difference in insurance coverages or limits may result in large price differences. And when comparison shopping, comparing a wide range of rates provides better odds of finding better pricing. Not every company provides online price quotes, so it’s important to also get price estimates from them, too.

These discounts can lower your insurance rates

Some insurers don’t list every possible discount very well, so the following list contains a few of the more common as well as the least known discounts that may be available.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
  • Discount for Good Grades – This discount may save you up to 25%. Earning this discount can benefit you until age 25.
  • Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on a single policy could earn a price break for each car.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with one insurance company they may give you a discount of up to 20% off your total premium.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Onboard Data Collection – Policyholders that allow companies to spy on driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.

Don’t be surprised that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts should help lower the amount you have to pay.

Popular insurance companies and some of the discounts include:

  • American Family offers discounts including defensive driver, air bags, TimeAway discount, good driver, and early bird.
  • State Farm may offer discounts for multiple autos, anti-theft, safe vehicle, good student, student away at school, and good driver.
  • 21st Century discounts include theft prevention, teen driver, automatic seat belts, driver training, homeowners, 55 and older, and air bags.
  • Travelers may have discounts that include driver training, hybrid/electric vehicle, continuous insurance, IntelliDrive, early quote, and multi-policy.
  • GEICO offers discounts for defensive driver, membership and employees, five-year accident-free, emergency military deployment, and seat belt use.

Check with every prospective company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders everywhere.

Different people need different car insurance coverages

When choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine whether you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?
  • Should I get collision insurance on every vehicle?
  • Does my 2017 Audi TT qualify for pleasure use?
  • Will my rates increase for filing one claim?
  • Am I covered by my spouse’s policy after a separation?
  • Can I afford low physical damage deductibles?

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, simply complete your zip code.

Insurance coverage options for a 2017 Audi TT

Learning about specific coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses such as X-ray expenses, funeral costs and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, vandalism, hitting a deer and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like medical expenses, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverages – This coverage covers damage to your TT caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi TT.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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