Compare 2019 Audi TT Insurance Rates in 2024

Want better car insurance rates for your Audi TT? High-priced car insurance can eat up your funds and put the squeeze on your family’s finances. Doing a rate comparison can help to lower your monthly bill.

There is such a variety of insurance companies to choose from, and although it’s nice to have a selection, lots of choices makes it harder to compare company pricing.

Consumers should take time to quote other rates as often as possible due to the fact that insurance prices go up and down regularly. Just because you had the lowest price for TT insurance a couple years back there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to find out the right way to find great coverage at a great price.

Compare auto insurance rates

Finding a lower price on 2019 Audi TT insurance is actually easier than you may think. The only requirement is to spend a few minutes comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

The single most time-saving way to compare a lot of rates at once is a comparison rater form. This quick form keeps you from doing separate quote forms for each price estimate. One quote request gets prices estimates from auto insurance companies with the best prices.

Another way to analyze rates is to take the time to go to the website of each company and repeat the quote process. For example, let’s assume you are doing a rate comparison from Liberty Mutual, 21st Century and GEICO. To do that, you would have to spend time on each company’s site to enter your coverage information, which can take a lot of time.

Compare rates however you want, just do your best to enter the same coverage limits and deductibles on every price quote you get. If your comparisons have mixed coverages it’s impossible to decipher which rate is best.

Five tips to get more affordable insurance premiums

Multiple criteria are considered when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more transparent such as your marital status or your commute time.

• Women pay lower premiums – Statistics have proven that men are more aggressive behind the wheel. It does not mean females are better at driving than males. They both cause auto accidents in similar percentages, but the men have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are the most expensive to insure so it costs more to insure them.
• Your career may increase prices – Do you have a high-stress occupation? Occupational choices like lawyers, business owners and medical professionals have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. On the flip side, careers such as professors, engineers and the unemployed pay the least for TT insurance.
• Don’t skimp on liability – The liability coverage on your policy is the protection in the event that you are ruled to be at fault for damages from an accident. This coverage provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
• How your age affects premiums – Mature drivers are viewed as being more responsible, are lower risk to insure . Beginning drivers tend to be less responsible in a vehicle so car insurance rates are higher.
• Never have car insurance policy lapses – Driving your car without having proper coverage can get you a ticket and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, getting caught without coverage may earn you fines and jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

These discounts can cut insurance rates

Companies that sell car insurance don’t always publicize every discount they offer in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous discounts that you may qualify for.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a car insurance quote.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for TT insurance compared to accident prone drivers.
• Auto/Home Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
• ABS Brakes – Cars equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Defensive Driver Discount – Taking time to complete a class that teaches driver safety techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Paper-free Discount – Some companies provide a small discount just for signing your application online.

As is typical with insurance, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will help lower your policy cost.

Popular insurance companies and a selection of discounts are detailed below.

• GEICO includes discounts for military active duty, anti-lock brakes, emergency military deployment, multi-vehicle, and five-year accident-free.
• Mercury Insurance offers premium reductions for age of vehicle, type of vehicle, location of vehicle, professional/association, low natural disaster claims, and multi-car.
• Farmers Insurance offers discounts including bundle discounts, multi-car, business and professional, teen driver, pay in full, and homeowner.
• Auto-Owners Insurance may include discounts for group or association, paid in full, paperless, safe vehicle, anti-theft, and anti-lock brakes.
• Liberty Mutual discounts include new move discount, good student, preferred payment discount, newly married, hybrid vehicle, exclusive group savings, and multi-policy.
• SAFECO policyholders can earn discounts including teen safety rewards, accident prevention training, teen safe driver, homeowner, and drive less.
• Progressive may have discounts that include multi-policy, online quote discount, multi-vehicle, online signing, and continuous coverage.
• USAA has discounts for multi-vehicle, multi-policy, annual mileage, safe driver, and good student.

It’s a good idea to ask each company or agent which discounts you qualify for. Discounts may not apply to policies in your state.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation may require specific advice.

• Do I need Motor Club coverage?
• Are rock chip repairs covered?
• Am I getting all the discounts available?
• Does my liability insurance cover pulling a trailer or camper?
• At what point should I drop full coverage?
• Is rental equipment covered for theft or damage?
• Can my babysitter drive my car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance policy coverages for a 2019 Audi TT

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most auto insurance policies.

Auto liability – This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as attorney fees, court costs, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, driving through your garage door, colliding with another moving vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2019 Audi TT.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, prosthetic devices, nursing services and funeral costs. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism, hail damage and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A little work can save a LOT of money

We just covered a lot of techniques to compare 2019 Audi TT insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Budget-conscious 2019 Audi TT insurance can be purchased on the web and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not offer rates over the internet and most of the time these smaller providers only sell through independent agencies.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.