Lower Your 2012 Audi TTS Insurance Quotes

Looking for better auto insurance rates for your Audi TTS? Finding better insurance prices for a new or used Audi TTS could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to get price quotes for a Audi and locate the best price possible either online or from local insurance agents.

Compare the Market for Insurance Coverage

Most major insurance companies allow you to get coverage price quotes on the web. Getting quotes is pretty painless as you simply type in your coverage information as detailed in the form. Upon sending the form, the company’s rating system automatically retrieves your credit score and driving record and returns a price quote based on these factors.

Quoting online helps simplify price comparisons, but having to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to perform this step if you are searching for the best price possible.

There is a better way!

An easier way to find lower prices uses one form that gets prices from a lot of companies. This type of form saves time, requires much less work on your part, and makes quoting online much easier. Immediately after you send the form, it gets priced and you are able to buy your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To save time and get comparison pricing now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This ensures you will have comparison quotes using the same coverage and limits.

Why you might be paying too much to insure your Audi TTS

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better auto insurance rates.

  • More people means more accidents – Being located in less populated areas can be a good thing when talking about auto insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Fewer people means reduced accidents.
  • Do you know you’re credit rating? – Your credit history is a important factor in determining what you pay for auto insurance. So if your credit is not that good, you could potentially save money when insuring your 2012 Audi TTS by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If your Audi TTS scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Policy add-ons can waste money – There are quite a few additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.

Save on Audi TTS insurance

Auto insurance companies don’t list all their discounts very clearly, so we researched both well-publicized and also the lesser-known ways to save on insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for TTS coverage with a few insurance companies.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • 55 and Retired – Mature drivers may be able to get better insurance rates for TTS coverage.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for TTS coverage than drivers with accident claims.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurers who offer insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • What happens if I owe more than my 2012 Audi TTS is worth?
  • When should I not file a claim?
  • How high should deductibles be on a 2012 Audi TTS?
  • What discounts do I qualify for?
  • Can my teen drive my company car?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage pays for damage to your TTS from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like attorney fees, loss of income, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, falling objects and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as surgery, doctor visits, hospital visits and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

In conclusion

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice physical damage coverage and learned later that the savings was not a smart move. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented some good ideas how to get a better price on 2012 Audi TTS insurance. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Insureds switch companies for a variety of reasons including policy cancellation, questionable increases in premium, poor customer service or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

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