Compare 2014 Audi TTS Insurance Quotes

Want lower car insurance rates for your Audi TTS? When searching for lower-cost insurance, do you get overwhelmed by the wide range of car insurance choices available to you? You’re not alone. There are so many options that it can turn into a real challenge to compare premium rates.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to cut costs considerably using this strategy. But drivers need to have an understanding of the methods companies use to sell insurance online because it can help you find the best coverage.

The best way we recommend to compare insurance rates in your area is to realize car insurance companies participate in online systems to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information such as if the car is leased, how old drivers are, if a SR-22 is required, and if it has an anti-theft system. That rating data is sent automatically to multiple top-rated companies and they respond with quotes quickly.

To find the cheapest Audi TTS insurance rates, click here and find out if you can get cheaper insurance.

Cheaper insurance coverage rates with discounts

Some providers do not advertise all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more common as well as some of the hidden discounts that you may qualify for.

  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
  • Defensive Driving Course – Successfully completing a course in defensive driver could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Military Deployment Discount – Being on active duty in the military may lower your insurance coverage rates slightly.
  • Own a Home and Save – Just being a homeowner can get you a discount since home ownership requires a higher level of personal finance.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Even though it may seem like you could get a free insurance coverage policy, you won’t be that lucky. Any qualifying discounts should definitely cut the cost of coverage.

Companies and a summarized list of policyholder discounts can be found below.

  • State Farm offers discounts for anti-theft, Steer Clear safe driver discount, good driver, student away at school, passive restraint, and defensive driving training.
  • American Family offers premium reductions for bundled insurance, Steer into Savings, good driver, mySafetyValet, and multi-vehicle.
  • GEICO may have discounts that include multi-policy, seat belt use, federal employee, daytime running lights, membership and employees, anti-theft, and emergency military deployment.
  • 21st Century may offer discounts for student driver, automatic seat belts, 55 and older, teen driver, theft prevention, and defensive driver.
  • Progressive has savings for online signing, multi-policy, multi-vehicle, continuous coverage, online quote discount, good student, and homeowner.

If you are trying to find inexpensive car insurance quotes, ask every prospective company how many discounts you can get. Some discounts may not be offered in your area. To locate insurance companies who offer discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Am I missing any policy discounts?
  • What is medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I have a commercial auto policy?
  • How high should deductibles be on a 2014 Audi TTS?
  • Should I sign the liability waiver when renting a car?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This covers damage to your TTS from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, rolling your car, crashing into a building, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability car insurance

This will cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like medical expenses, repair costs for stationary objects, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer, damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, ambulance fees, chiropractic care, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Audi TTS.

Because many people 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 very important.

Spend less. Save more.

More affordable car insurance can be found from both online companies in addition to many insurance agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get quotes online and usually these small insurance companies work with independent agents.

Consumers leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, delays in paying claims or delays in responding to claim requests. Regardless of your reason, choosing a new insurance company can be easier than you think.

In this article, we presented many ideas to lower your 2014 Audi TTS insurance premium rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. Consumers may even find the lowest premium rates are with the least-expected company.

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