Insure a Audi TT like a Penny Pincher
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But most likely we pay more than we want to and don't really enjoy the buying process. You probably feel the same way about finding lower cost coverage for your Audi TT.
Step One: Compare Rates from Multiple Companies
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Times have changed!
You can now shop all the best car insurance companies and compare rates for a Audi TT and you don't even have to visit each individual website!
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your TT.
Step Two: How to Lower your TT Insurance Premium
What you actually pay to insure your Audi is determined by many factors, some of which you have no control over.
- When insuring your Audi TT, expect to pay a little more due to the higher performance of the vehicle. On your next purchase consider a lower performance vehicle to save on insurance.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Owning a luxury vehicle like your TT means you'll pay a little more for insurance due to the higher cost of repair parts.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- If cheap insurance is your goal, then the TT is maybe not your best choice of vehicle. Sport cars cost more to insure even if you're a good driver.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Equipping your Audi with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- Vehicle thefts drive up the cost of everyone's insurance, but if your TT is on the list of the most frequently stolen cars, you might be paying just a little extra.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Select the Best Company for Your Needs
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your TT that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If this is a new policy with only the Audi on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new TT will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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