View 2014 Audi TTS Insurance Cost

Want cheaper insurance rates for your Audi TTS? Nobody I know looks forward to paying for insurance, particularly when their premiums are too high. Insurance companies such as GEICO, 21st Century and Progressive continually bombard you with fancy advertisements and consumers find it hard to see past the corporate glitz and find the best price available.

How to Get Cheap Insurance

All the larger insurance companies like Allstate, GEICO and Progressive quote prices for coverage directly from their websites. Obtaining pricing is pretty easy as you just type in the amount of coverage you want into the quote form. Once entered, their system requests credit information and your driving record and returns a price determined by many factors. This makes it a lot easier to compare rates but having to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to get the best price possible.

The preferred way to lower your insurance bill uses one form that gets prices from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable. As soon as the form is sent, it is rated and you are able to buy your choice of the quote results. If a lower price is quoted, you can click and sign and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you replicate the insurance coverages as close as possible to your current policy. This way, you will have a rate comparison based on identical coverages.

Pay less by taking advantage of discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list both the well known and the more hidden ways to save on car insurance. If they aren’t giving you every credit available, you are paying more than you should be.

  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on TTS insurance than less cautious drivers.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Save over 55 – Mature drivers may be able to get a discount up to 10% on TTS insurance.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Low Mileage Discounts – Fewer annual miles on your Audi can earn lower rates on the low mileage vehicles.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.

It’s important to understand that many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.

To see a list of insurers who offer car insurance discounts, click here.

Your coverage should be tailored to you

When choosing coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • How much liability coverage do I need in my state?
  • Does my 2014 Audi TTS need full coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I insured when driving a different vehicle?
  • Am I covered when delivering products for my home-based business?
  • How much liability do I need to cover my assets?
  • Is a fancy paint job covered?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Auto liability

This will cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, legal defense fees, structural damage and medical expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like hospital visits, prosthetic devices, surgery, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as 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. So UM/UIM coverage is important protection for you and your family.