Lower Your 2023 Audi TT Car Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Do you get overwhelmed by the dozens of auto insurance sources that you can choose from? Drivers have so many choices that it can quickly become a challenge to locate the lowest premium rates.

It’s important to shop coverage around periodically since insurance prices fluctuate regularly. If you had the best rates for TT insurance last year other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate the quickest way to reduce your cost while improving coverage.

How much is auto insurance?

Many insurance companies provide pricing direct online. Getting online rates is fairly straightforward as you simply type in the amount of coverage you want into the quote form. Once you submit the form, their system makes automated requests for your driving and credit reports and generates a price based on these and other factors.

Online quotes makes it simple to compare prices but the process of having to visit many different websites and type in your information is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

The quickest way to compare auto insurance pricing requires only one form that gets price quotes from several companies at one time. It saves time, requires less work, and makes online quotes much more efficient. After sending your information, it gets priced with multiple companies and you can pick any of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. It takes just a few minutes to complete and you will know how your current rates stack up.

In order to find out what other companies charge, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend that you enter the coverage information as close as possible to your current policy. This makes sure you are getting comparison quotes for similar coverage.

Smaller companies may have the best rates

Allstate and Progressive continually stream ads on television and other media. They all seem to tend to make the same promise about saving some big amount if you move to their company. But how can every company cost less than your current company?

Companies can use profiling for the type of insured that earns them the highest profit. A good example of a profitable insured should be between the ages of 40 and 55, has other policies, and drives a car with an anti-theft system. A prospective insured who matches that profile is entitled to the best price and will also cut their rates substantially.

Consumers who do not meet these standards must pay higher premium rates which results in the prospect going elsewhere. If you listen closely, the ads state “customers that switch” not “all people who quote” will save that much if they switch. That’s the way companies can make those statements. Because of this risk profiling, drivers must compare free car insurance quotes often. It is just not possible to predict which insurance companies will have the best rates for your profile.

Informed consumers can reduce insurance rates

Lots of things are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are not as apparent like your vehicle usage or how safe your car is.

  • Never have auto insurance policy lapses – Having a lapse in insurance coverage is a sure-fire way to bump up your auto insurance costs. Not only will you pay higher rates, getting caught without coverage could earn you a license revocation or jail time.
  • Save by staying claim free – Auto insurance companies give the lowest premiums to insureds who do not file claims often. If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Credit score impacts premium prices – Having a bad credit history can be a huge factor in calculating your premium rate. Drivers with high credit scores tend to be more responsible than drivers who have lower credit ratings. If your credit rating can be improved, you could potentially save money when insuring your 2023 Audi TT by repairing your credit.
  • High comp and collision deductibles equal low rates – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for TT insurance.
  • What are good liability coverage limits? – The liability coverage on your policy will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
  • Premiums can be impacted by your employer – Did you know your auto insurance rates can be affected by your occupation? Jobs like lawyers, social workers and medical professionals have higher rates than the rest of us in part from intense work-related stress and long work hours. Conversely, occupations like farmers, engineers and retirees receive lower rates for TT insurance.
  • Lower rates for safer vehicles – Safer cars tend to be cheaper to insure. The safest vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If your Audi TT has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Discounts for cheap auto insurance rates

Insuring your fleet can be pricey, but there could be significant discounts that could help you make your next renewal payment. Some discounts apply automatically when you quote, but a few must be specifically requested prior to receiving the credit.

  • Senior Citizen Rates – Seniors can possibly qualify for reduced rates for TT insurance.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared to drivers with a long claim history.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for TT insurance depending on your company.
  • Military Discounts – Having an actively deployed family member can result in better auto insurance rates.
  • E-sign Discounts – A few larger online companies give back up to $50 for completing your application on the web.
  • Professional Memberships – Being a member of certain professional organizations could qualify you for a break on your policy.
  • Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.

Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, you’re out of luck. But all discounts will help reduce your policy premiums.

To locate insurers that have a full spectrum of discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Should I carry comprehensive and collision coverage?
  • Will filing a claim cost me more?
  • Why does it cost so much to insure a teen driver?
  • I have a DUI can I still get coverage?
  • Am I covered when driving a rental car?
  • Do all my vehicles need collision coverage?
  • What discounts do I qualify for?
  • Is my state a no-fault state?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, complete your zip code.

Insurance coverage basics

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi TT.

Because many people 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.


Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as legal defense fees, structural damage, loss of income, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for doctor visits, chiropractic care, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Final thoughts

People who switch companies do it for many reasons like extreme rates for teen drivers, delays in paying claims, not issuing a premium refund or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

Cheap 2023 Audi TT insurance is definitely available from both online companies as well as from independent agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get quotes online and most of the time these regional insurance providers only sell through independent agents.

We covered quite a bit of information on how to save on 2023 Audi TT insurance. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. Drivers may discover the lowest prices come from some of the smallest insurance companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles