2014 Audi TT Insurance Quotes – 5 Tips for Cheapest Rates

If shopping for auto insurance quotes online is new to you, it’s easy to get bewildered due to the large number local agents and online companies offering coverage.

It’s smart to quote other rates quite often due to the fact that insurance prices change frequently. If you had the lowest rates on TT coverage two years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to find out how to use online quotes to find better coverage at a better price.

Compare quotes for auto insurance

Most of the larger companies allow you to get price estimates direct online. Obtaining pricing can be done by anyone as you simply enter the coverages you want as requested by the quote form. Once you submit the form, their system makes automated requests for your credit score and driving record and returns a price based on these factors.

This makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it is imperative to perform this step if you want to find better auto insurance pricing.

There is a better way to compare rates

A quicker way to get multiple rate quotes is to use a quote form that gets prices from many companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. After sending your information, your coverage is rated and you can select any or none of the returned quotes.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To compare pricing, click here and fill out the form. To compare your current rates, we recommend you complete the form with as close as possible to your current policy. This way, you’re receiving a rate comparison for the exact same coverage.

Do I just need basic coverages?

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions can help discover if your insurance needs will benefit from professional help.

Can I afford to buy a different vehicle if my 2014 Audi TT is totaled?
Which is better, split liability limits or combined limits?
Does liability extend to a camper or trailer?
When should I not file a claim?
Do I need medical payments coverage since I have good health insurance?
Am I covered by my spouse’s policy after a separation?
Is a blown tire covered by insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical services, legal defense fees, repair bills for other people’s vehicles, medical expenses and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your TT from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for pain medications, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage