Cheap 2008 Audi TT Car Insurance Quotes

Searching for better insurance rates for your Audi TT? Shopping for the lowest cost insurance over the internet can be challenging for consumers new to comparing rates online. With such a large number of companies in the marketplace, how can you possibly compare the different rates to find the lowest rates?

Pricing the best insurance is easy if you know what you’re doing. Basically, every vehicle owner who carries insurance will be able to find better rates. But car owners must understand how insurance companies determine prices because it can help you find the best coverage.

Why your Audi TT insurance rates may be high

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Your spouse saves you money – Having a wife or husband can actually save you money on car insurance. Having a significant other means you’re more responsible and it’s proven that drivers who are married are more cautious.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Audi has ratings of a minimum four stars on or an “acceptable” rating on you may qualify for a discount.
  • Rate your vehicle for proper use – Driving more miles every year the more you will pay for car insurance. Almost all companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your TT may be wasting your money. Verify your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Tickets mean higher rates – Good drivers have lower premiums compared to drivers with tickets. Just one citation can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but a few must be manually applied prior to receiving the credit.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • No Claims – Good drivers with no accidents pay less compared to bad drivers.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy for TT insurance.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy on their website.

Drivers should understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck. But all discounts will bring down the amount you have to pay.

Companies that may have these discounts include:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Do you really save 40% when you switch?

Progressive, Allstate and GEICO regularly use ads on television and other media. All the companies make the same claim about savings if you move your coverage to them. How does each company make the same claim?

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer could be over the age of 50, a clean driving record, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential insureds who don’t meet the “perfect” profile must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can claim big savings.

This illustrates why it’s extremely important to get quotes from several different companies. You cannot predict which insurance company will provide you with the cheapest Audi TT insurance rates.

Everyone needs different coverages

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What exactly is covered by my policy?
  • When would I need additional glass coverage?
  • When should I buy a commercial auto policy?
  • Am I better off with higher deductibles on my 2008 Audi TT?
  • I have a DUI can I still get coverage?
  • When should I drop full coverage on my 2008 Audi TT?
  • Is pleasure use cheaper than using my 2008 Audi TT to commute?
  • How much liability coverage do I need in my state?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.


This provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance pays for damage to your TT resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Audi TT.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

Consumers leave their current company for any number of reasons including unfair underwriting practices, policy non-renewal, high prices and even lack of trust in their agent. Regardless of your reason, finding a new auto insurance company is not as difficult as it may seem.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

The cheapest 2008 Audi TT insurance is possible from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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