Lower Your 2009 Audi TTS Insurance Rates

Searching for lower auto insurance rates for your Audi TTS? Think you have high-priced auto insurance? It’s a common feeling and there are many drivers thinking the same thing. Consumers have so many car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it can be more challenging to find the best rates.

You need to quote other rates before your policy renews since rates trend upward over time. Just because you found the best premium rates on TTS coverage six months ago you will most likely find a better price today. You’ll find quite a bit of inaccurate information about auto insurance online but in this article, you’re going to get some good information on how to save money.

Finding affordable coverage is not rocket science. If you have car insurance now, you should be able to save some money using these methods. Vehicle owners only need to know the most efficient way to get comparison quotes on the web.

Cheap insurance rate quotes online

Getting a low cost price on 2009 Audi TTS insurance is actually easier than you may think. You just have to spend a few minutes getting comparison quotes from online providers. It’s really simple and can be done in a couple of different ways.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for repetitive form submissions for every prospective company. One form submission will get you rate comparisons direct from many companies.
  2. A different way to analyze rates requires you to visit each company’s website and get a separate price quote. For sake of this example, we’ll assume you are doing a rate comparison from Farmers, Allstate and State Farm. You would have to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you compare exactly the same coverages for each quote you get. If you are comparing different coverage information you can’t possibly decipher which rate is best.

Lower-cost car insurance rates with discounts

Companies offering auto insurance don’t list the complete list of policy discounts very clearly, so the list below details some of the more common and the harder-to-find car insurance savings.

  • Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in high school.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
  • Discount for Swiching Early – Some companies give discounts for renewing your policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Life Insurance Discount – Some insurance carriers give a lower premium rate if you buy life insurance from them.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on TTS coverage depending on your car insurance provider.
  • Savings for New Vehicles – Putting insurance coverage on a new car is cheaper because newer models are generally safer.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

Large car insurance companies and their offered discounts include:

  • State Farm discounts include Drive Safe & Save, good driver, multiple autos, Steer Clear safe driver discount, driver’s education, and safe vehicle.
  • Farmers Insurance policyholders can earn discounts including switch companies, bundle discounts, teen driver, early shopping, multi-car, and good student.
  • GEICO offers premium reductions for multi-policy, military active duty, daytime running lights, defensive driver, and membership and employees.
  • American Family has savings for TimeAway discount, Steer into Savings, bundled insurance, good driver, and early bird.
  • Nationwide offers discounts for anti-theft, family plan, Farm Bureau membership, good student, and business or organization.
  • Progressive may have discounts that include homeowner, multi-vehicle, good student, multi-policy, continuous coverage, and online quote discount.

If you need lower rates, check with every prospective company which credits you are entitled to. Some credits may not be available everywhere. If you would like to view insurance companies that offer many of these discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out if you may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Should I have a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Is my cargo covered for damage or theft?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Learn how to get car insurance more affordably

Lots of things are considered when premium rates are determined. Most are fairly basic such as traffic violations, although others are less obvious like where you live and annual miles driven.

The following are most of the major factors that factor into premiums.

  • Do you know you’re credit history? – Credit score factor in calculating your car insurance rates. People that have very good credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit history can be improved, you could save money insuring your 2009 Audi TTS by improving your credit score.
  • Bundle and save – The majority of car insurance companies provide a discount to buyers that buy multiple policies in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to check prices from other companies to make sure you are getting the best deal.
  • Lower rates come with age – Young drivers are statistically shown to be less responsible behind the wheel therefore car insurance rates are much higher. Parents adding a teen driver onto your car insurance can really hurt. Older people are more responsible, are lower risk to insure and get fewer tickets.
  • Claim-free discounts can add up – Insurance companies provide cheaper rates to people who do not file claims often. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • Pay more of a claim out-of-pocket – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your car insurance pays a claim. Protection for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered could be rearending another vehicle, animal collisions, or theft of your vehicle. The larger the amount you’re willing to pay, the less money you will pay for car insurance on TTS coverage.
  • Always have car insurance – 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 higher rates, failure to provide proof of insurance could earn you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Insurance rates in urban areas – Having an address in a rural area can be a good thing when it comes to car insurance. Urban drivers regularly have much more traffic and more time behind the wheel. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims.
  • Eliminate unneeded extra policy coverages – Policies have optional add-on coverages that you can buy if you aren’t diligent. Coverages for replacement cost coverage, towing, and membership fees are examples of these. The coverages may be enticing initially, but your money might be better spent on other coverage so eliminate them to save money.

Can you really save that much by switching?

Consumers can’t get away from ads for the lowest price insurance from the likes of Allstate, GEICO and Progressive. All the ads convey the message that drivers will save a bundle after switching your policy.

How can each company make the same claim? It’s all in the numbers.

All the different companies quote their cheapest rates for a prospective insured that makes them money. A good example of a preferred risk may be a married male, owns a home, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” will get a cheap rate quote and as a result will probably save if they switch.

Consumers who don’t measure up to those criteria will get more expensive rates and ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can confidently make those claims. Because of this risk profiling, it is so important to compare as many free auto insurance quotes as you can. It’s just too difficult to predict the company that will have the best prices.

Auto insurance 101

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi TTS.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical expenses, emergency aid, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, nursing services and surgery. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Quote more, save more

Some companies may not provide internet price quotes and usually these small insurance companies only sell through independent insurance agencies. Cost effective 2009 Audi TTS insurance can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage at a price you can afford.

More detailed auto insurance information can be found by following these links: