2018 Audi TT Car Insurance Cost in 2024 – 9 Ideas for Best Prices

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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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Searching for better car insurance rates for your Audi TT? Finding the cheapest car insurance on the internet can appear to be somewhat difficult for vehicle owners that are not comfortable with quoting and comparison shopping over the internet. Because there are so many companies in the marketplace, how can you even start to compare every company in order to find lower car insurance premiums?

Save a ton with these nine discounts

Buying auto insurance is not cheap, but you may find discounts that you may not know about. Certain reductions will be credited when you purchase, but a few must be asked for prior to getting the savings.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% on TT coverage with select insurance companies.
  • Accident Waiver – This isn’t a discount exactly, but a few companies such as GEICO and Allstate will turn a blind eye to one accident before raising your premiums if you have no claims prior to the accident.
  • Renewal Discounts – A few insurance companies allow discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of 25 to 30%.
  • Multi-Vehicle Discounts – Insuring multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks get auto insurance on their website.
  • Defensive Driver – Passing a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it’s just not the way it works. But any discount will definitely lower your overall premium however.

To view insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

How to get affordable insurance

When shopping for cheaper auto insurance quotes, there are a couple of ways of comparing price quotes from insurance companies in your area. The best method to compare rates is to perform an online rate comparison. This can be accomplished by using one of the methods below.

  1. The simplest way to find the lowest comparison rates is a comparison rater form. This type of form saves time by eliminating boring form submissions to each individual insurance company. One quote request gets insurance cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A different way to find better pricing consists of going to the website of each company and request a quote. For sake of this example, we’ll assume you need rates from Allstate, Liberty Mutual and Travelers. In order to compare rates, you need to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

Take whichever approach you prefer, but make sure you use the exact same quote information on every quote you get. If each company quotes different data it will be nearly impossible to get a fair rate comparison. Even a minor difference in coverages can mean a large discrepancy in price. And when quoting insurance, remember that quoting more helps locate more affordable rates.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Is business property covered if stolen from my car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • At what point should I drop full coverage?
  • When can my company non-renew my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • What companies insure drivers after a DUI or DWI?
  • How much liability insurance is required?
  • When should I remove comp and collision on my 2018 Audi TT?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

But the ad said I’d save 15% in 15 minutes!

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the ads make an identical promise of big savings just by moving to them. How is it plausible that every one can have lower policy pricing? Here is how they do it.

Insurance companies have strict underwriting profiles for the type of driver that will most likely be profitable. One example of this type of driver may be over the age of 40, is a homeowner, and the vehicle is rated for pleasure use. Any customer that hits that “sweet spot” gets the lowest rates and will probably save a lot of money.

Insureds who fall outside these stringent criteria will see a higher premium which translates to business not being written. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can claim big savings.

This really illustrates why you really need to get auto insurance quotes from several different companies. It is impossible to guess which company will have the best rates for your profile.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a mailbox, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, vandalism, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, ambulance fees, prosthetic devices, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability

Liability insurance will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, court costs, bail bonds, funeral expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi TT.

Because many people 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 important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Be a penny pincher

Consumers switch companies for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, lack of trust in their agent and unfair underwriting practices. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

You just learned some good ideas how you can compare 2018 Audi TT insurance rates online. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding affordable auto insurance. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

As you quote auto insurance, never reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

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