2013 Audi TTS Insurance Quotes – 5 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: Jan 27, 2020

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Trying to find low-cost insurance for an Audi TTS can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find car insurance online and you need to know the quickest way to compare rates for a Audi and obtain the cheapest rates from both online companies and local agents.

If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to find better prices and possibly find even better coverage. Shopping for the cheapest insurance coverage coverage is quite easy. Vehicle owners just need to know the proper way to get comparison rates over the internet.

Are you getting all your discounts?

Companies do not list all available discounts very well, so we break down both the well known and the more hidden auto insurance savings. If you don’t get every credit possible, you are paying more than you should be.

  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Sign Online – Some insurance companies give back up to $50 just for signing your application over the internet.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of insurance companies offering auto insurance discounts, click here.

Don’t listen to company ads

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all have a common claim of big savings if you move your policy.

How does each company say the same thing?

All companies have a certain “appetite” for the right customer that is profitable for them. For example, a desirable insured could possibly be between 30 and 50, is a homeowner, and has a high credit rating. A driver that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who are not a match for the “perfect” profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save that much. That’s why companies can truthfully advertise the savings. This emphasizes why you should get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest Audi TTS insurance rates.

When might I need an agent?

When it comes to buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

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For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Does insurance cover damages from a DUI accident?
  • What vehicles should carry emergency assistance coverage?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won’t pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision insurance pays for damage to your TTS from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills like surgery, doctor visits, pain medications and chiropractic care. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

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

Comprehensive coverage protects against things like a broken windshield, rock chips in glass, theft, hitting a bird and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability – Liability insurance will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like medical services, structural damage, emergency aid, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

In conclusion

Lower-priced 2013 Audi TTS insurance is possible online as well as from independent agents, so compare prices from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone dropped liability limits or collision coverage only to regret that it was a big error on their part. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Insureds switch companies for many reasons like extreme rates for teen drivers, high prices, policy non-renewal and not issuing a premium refund. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

More detailed insurance information is available in these articles:

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