Lower your Audi TTS Rates in Less than Five Minutes
If finding affordable car insurance was easy, most of us would take the time to do it. But more than likely, it's challenging for most people and we always end up paying more than we want. Insuring your Audi TTS is probably no exception.
Step One: Shop Around
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Times have changed!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Audi TTS without even visiting their websites!
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your TTS is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Cut Costs on TTS Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a TTS.
- The Audi TTS is a high performance vehicle. Insurance rates are higher on cars that offer larger engines, more horsepower or increased risk of accident or rollover.
- 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.
- When repairing accident damage on luxury vehicles, body shops charge more because the replacement parts are more expensive. Everything from a fender to a tail light will cost more to replace so your insurance rates will be higher as well.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Zero to 60 is pretty fast in with a TTS, but having this extra power will cost you in the form of a bigger insurance bill.
- 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.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- If your Audi is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- If your TTS ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- 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.
Step Three: Choose a Company and Bind Coverage
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
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. Be sure to have a new policy ready to go if you are buying a new TTS. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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