2002 Audi TT Insurance Quotes – 6 Discounts for Cheapest Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Having to pay for overpriced insurance can overdraw your savings account and put the squeeze on your family’s finances. Doing a price comparison is a great way to make sure you’re not throwing money away.

There are many insurers to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to compare company pricing.

Finding affordable coverage is not that difficult. Just about everyone who carries car insurance stands a good chance to be able to lower their premiums. But drivers need to have an understanding of the way companies price online insurance and apply this information to your search.

The best way to compare rate quotes is to understand most of the larger companies participate in online systems to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information like whether the vehicles are used for commuting, marital status, how much coverage you want, and which vehicles you own. Your information gets transmitted to insurance carriers in your area and you will get price comparisons almost instantly.

To find lower rates now, click here and enter your zip code.

Don’t miss these six discounts

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Good Student – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • Student in College – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.

Drivers should understand that most of the big mark downs will not be given the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of insurance companies who offer insurance coverage discounts, click here.

When might I need help?

When choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover my expensive audio equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Am I missing any policy discounts?
  • Can my teen drive my company car?
  • Who is covered when they drive my 2002 Audi TT?
  • Is my babysitter covered when using my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Liability auto insurance – This will cover damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your TT caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2002 Audi TT.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, hitting a bird, theft and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, doctor visits, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

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