2016 Audi TTS Insurance Rates in 2024 – 5 Tips to Save

Having to pay for high-priced Audi TTS insurance can bleed your savings account and force you to tighten up your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

How to buy car insurance online

Finding cheaper car insurance prices can be surprisingly simple. All you need to do is invest a few minutes to compare free insurance quotes from online providers. Rate comparisons can be done using a couple different methods.

• The easiest and least time consuming way to find low rates is an all-inclusive rate comparison. This type of form saves time by eliminating separate quotation requests for every company. A single form compares rates from all major companies.
• A more difficult way to find more affordable insurance consists of visiting the website for every company you want to compare to complete a price quote. For instance, let’s say you want to compare Auto-Owners, Farmers and GMAC. To get each rate you have to take the time to go to each site to enter your coverage information, which can get rather old.

It’s your choice how you get your quotes, but do your best to enter exactly the same quote data on every quote. If you have different deductibles you can’t possibly truly determine the lowest rate.

Insurance advertising tricks

Consumers can’t avoid all the ads that claim the lowest prices from the likes of State Farm and Allstate. They all seem to advertise the message that drivers will save a bundle if you get a free insurance quote and switch your coverage.

How does every insurance coverage company charge you less for car insurance?

Most companies look for specific characteristics for the driver that earns them the most money. An example of this type of risk profile might be described as a mature driver, carries full coverage, and has great credit. A driver that matches those criteria receive the lowest rate quotes and have a good chance to save money with a new company.

People who don’t measure up to these stringent criteria will get a more expensive rate with the end result being business not being written. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can lure you into getting a quote.

Because of this risk profiling, it is so important to get insurance quotes as often as possible. It’s not possible to predict with any certainty which company will be your best fit.

Slash your auto insurance rates with these five discounts

Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that can drop the cost substantially. A few discounts will be applied at the time of purchase, but a few must be specially asked for before you get the savings.

• No Charge for an Accident – This one isn’t a discount, but a few companies such as Allstate and GEICO will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
• Data Collection Discounts – Drivers that enable driving data collection to spy on driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
• Accident-Free Discounts – Insureds who avoid accidents and claims get the best auto insurance rates when compared with policyholders that have many claims.

Just know that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, that’s just not realistic.

Large auto insurance companies and some of their more popular discounts include:

• State Farm offers discounts including accident-free, passive restraint, student away at school, Drive Safe & Save, driver’s education, and anti-theft.
• American Family includes discounts for air bags, mySafetyValet, good driver, Steer into Savings, and early bird.
• GEICO may offer discounts for five-year accident-free, multi-policy, membership and employees, anti-lock brakes, defensive driver, and good student.
• 21st Century may have discounts that include good student, theft prevention, automatic seat belts, anti-lock brakes, student driver, and 55 and older.
• Progressive has discounts for online quote discount, multi-vehicle, online signing, continuous coverage, homeowner, good student, and multi-policy.

Before you buy a policy, ask every company what discounts are available to you. A few discounts may not be offered everywhere.

You are unique and your insurance coverage should be too

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• Is Motor Club coverage worth it?
• Should I buy full coverage?
• Is business equipment covered while in my vehicle?
• Does liability extend to a camper or trailer?
• Am I covered if I drive in a foreign country?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

Car insurance policy coverages for an Audi TTS

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Medical costs insurance

Med pay and PIP coverage kick in for bills for things like ambulance fees, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

This coverage protects you from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, attorney fees, medical expenses, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your TTS resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, colliding with a tree, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Audi TTS.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final considerations

As you quote insurance, never reduce needed coverages to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best cost.

We just showed you a lot of information how to compare 2016 Audi TTS insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Drivers may discover the best price on car insurance is with the smaller companies. Some small companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate and Progressive.