2020 Audi TT Car Insurance Rates in 2024 – 7 Tips for Best Quotes

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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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No sane person looks forward to buying car insurance, especially knowing they are paying too much.

Big companies like GEICO, 21st Century and Progressive increase brand awareness with ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is not rocket science. But car owners can benefit by having an understanding of how the larger insurance companies price insurance differently.

How to shop insurance coverage online

To get cheaper car insurance quotes, there a variety of ways to compare prices from all the different companies. By far the easiest way to find the cheapest 2020 Audi TT insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by using one of the methods below.

The fastest way consumers can make multiple comparisons is a comparison rater form. This style of form eliminates the need for a different quote for every insurance coverage company. Filling out one form compares rates from several companies.

A more time consuming way to obtain and compare quotes online is going to each individual company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want comparison quotes from Nationwide, Progressive and Travelers. In order to compare rates, you need to go to each individual site and enter your information, which can be really labor intensive.

How you compare quotes is your choice, just compare identical coverage information for each quote you get. If you enter different values for each quote it will be nearly impossible to make an equal comparison. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Just remember that more quotes helps locate the best rates. Some companies don’t provide online price quotes, so it’s necessary to compare price quotes from the smaller companies as well.

Seven discounts to earn lower-cost car insurance rates

Auto insurance companies don’t always advertise 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 that may be available. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Safety Course Discount – Taking a defensive driving class could earn you a small percentage discount and make you a better driver.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with the same company you could save up to 20% and get you affordable car insurance.
  • Lower Rates for Military – Having a family member in the military may lower your prices slightly.
  • Multi-car Discount – Having several vehicles on a single policy qualifies for this discount.
  • Discount for Low Mileage – Driving less could qualify for lower rates due to less chance of an accident.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease for TT coverage depending on your car insurance provider.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

A few companies that possibly offer many of the previously listed discounts possibly include:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

If you are trying to find affordable car insurance quotes, ask each company or agent what discounts are available to you. Some discounts may not be offered everywhere. If you would like to view companies offering car insurance discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover whether you could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • What is PIP insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need replacement cost coverage?
  • What is an SR-22 filing?
  • Do I have newly-acquired coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverage options for an Audi TT

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Audi TT.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, fire damage, hitting a deer and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.


Liability coverage protects you from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, medical services, medical expenses, bail bonds and court costs. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, rehabilitation expenses, surgery, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many cases, consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best cost.

Low-cost 2020 Audi TT insurance can be purchased both online as well as from independent agents, and you should compare rates from both so you have a total pricing picture. A few companies do not offer rates over the internet and many times these smaller companies provide coverage only through independent insurance agencies.

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