Compare 2014 Audi TT Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 9, 2024

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Drivers have lots of choices when trying to find low-cost Audi TT insurance. They can either spend hours contacting agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance and you need to know the quickest way to get price quotes for your Audi and locate the lowest price.

Consumers need to get comparison quotes before your next renewal because insurance prices change regularly. If you had the lowest rates for TT coverage two years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.

How to compare car insurance rate quotes

There are a lot of ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can spend your afternoon driving to agents in your area, or you could use the web to quickly compare rates.

Many companies enroll in a system that allows shoppers to submit one quote, and each participating company returns a rated price for coverage. This prevents consumers from doing form submissions to every company. To find out how much you can save on car insurance enter your zip code here.

One minor caveat to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. If you wish to select from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. Click to enter zip code.

How you compare quotes is your choice, just ensure you are comparing the exact same coverage limits and deductibles for each quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to find the best deal for your Audi TT.

Lower your insurance premiums

The best way to find cheaper car insurance is to take a look at some of the elements that aid in calculating your premiums. If you have a feel for what determines base rates, this enables you to make decisions that could help you find better car insurance rates. Lots of things are considered when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are more obscure like where you live or your commute time.

The following are just a few of the factors used by companies to determine premiums.

  • Low coverage deductibles cost more – Comprehensive and collision coverage deductibles state the amount of money you are required to spend if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are rear-ending another vehicle, damage caused by hail, or theft of your vehicle. The higher the amount the insured is willing to pay, the less your company will charge you for insurance for TT coverage.
  • Vehicle options that cut prices – Owning a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
  • Too many policy claims and you’ll pay more – If you’re an insured who likes to file claims you should expect either higher rates or even cancellation. Car insurance companies generally give the lowest premiums to people who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
  • Small coverages can add up – There are a ton of extra coverages that can add up if you aren’t diligent. Coverage for things like rental car coverage, towing coverage, and term life insurance may be wasting your money. They may seem like a good idea initially, but if you don’t need them eliminate them to save money.

Insurance rates and discounts

Some companies do not advertise every available discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden insurance savings. If you do not check that you are getting every discount possible, you are just wasting money.

  • Claim Free – Good drivers with no accidents have much lower rates when compared to bad drivers.
  • Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
  • Paperwork-free – Many insurance companies will discount your bill up to fifty bucks just for signing your application on the internet.
  • Senior Discount – Older drivers can get better insurance rates for TT coverage.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same company you may save as much as 10 to 15 percent.
  • ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

Popular insurance companies and a summarized list of policyholder discounts can be read below.

  • Progressive discounts include multi-vehicle, continuous coverage, homeowner, online quote discount, multi-policy, good student, and online signing.
  • MetLife has savings for good driver, multi-policy, accident-free, claim-free, and good student.
  • Mercury Insurance may offer discounts for good driver, multi-car, annual mileage, ease of repair, and location of vehicle.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, defensive driving, good student, accident-free, business or organization, and anti-theft.
  • GEICO may include discounts for emergency military deployment, air bags, multi-vehicle, anti-lock brakes, driver training, seat belt use, and membership and employees.
  • AAA offers premium reductions for education and occupation, pay-in-full, good driver, anti-theft, good student, multi-car, and AAA membership discount.

Check with every prospective company to apply every possible discount. Discounts may not apply in your state. To see providers that offer multiple discounts, enter your zip code here.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • What are the financial responsibility laws in my state?
  • What are the best liability limits?
  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I pay less for low miles?
  • Is my camper covered by my car insurance policy?
  • Do all my vehicles need collision coverage?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code. It’s fast, free and can help protect your family.

Information about specific coverages

Understanding the coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, pain and suffering, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, damage from flooding, hail damage and damage from getting keyed. The most a auto 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.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi TT.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, funeral costs, hospital visits and nursing services. They can be used in conjunction with a health insurance program 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 is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your TT caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Online plus local equals savings

In this article, we presented a lot of tips how to save on 2014 Audi TT insurance. It’s most important to understand that the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may be surprised to find that the biggest savings come from the least-expected company.

Lower-priced insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer price quotes online and many times these small insurance companies only sell through independent agencies.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at the best cost and still be able to protect your assets.

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