Trying to find low cost Audi TT insurance in Austin can seem to be difficult for drivers who have little experience online price comparisons. With such a large number of agents and online companies available, it can easily turn into a difficult mission to find a more affordable company.
A recent survey discovered that a large majority of drivers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never taken the time to shop around. Most drivers in America could save $859 a year, but most tend to underestimate how much they could save if they just switched companies.
Quoting and comparing rates for cheaper car insurance coverage in Austin can be fairly easy. In a nutshell, each driver who has to purchase car insurance stands a good chance to find a cheaper policy. But Texas vehicle owners must learn how big insurance companies compete online and use it to find better rates.
How to shop Audi TT insurance online
Keep in mind that having more price comparisons helps improve the odds of finding a lower rate. Not every company does online price quotes, so you should also compare quotes from them as well.
The companies shown below have been selected to offer free quotes in Texas. If multiple companies are shown, we suggest you visit several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TT 2.0T Quattro 2-Dr Coupe||$318||$660||$400||$24||$120||$1,522||$127|
|TT 2.0T Quattro 2-Dr Coupe||$362||$774||$462||$28||$138||$1,764||$147|
|TT 2.0T Quattro 2-Dr Coupe||$260||$424||$500||$30||$150||$1,364||$114|
|TT S 2.0T Quattro 2-Dr Coupe||$322||$602||$388||$24||$116||$1,452||$121|
|TT 2.0T Quattro 2-Dr Roadster||$452||$936||$514||$30||$154||$2,086||$174|
|TT 2.0T Quattro 2-Dr Roadster||$396||$746||$388||$24||$116||$1,670||$139|
|TT S 2.0T Quattro 2-Dr Coupe||$196||$408||$366||$22||$110||$1,102||$92|
|TT S 2.0T Quattro 2-Dr Roadster||$280||$590||$514||$30||$154||$1,568||$131|
|TT 2.0T Quattro 2-Dr Roadster||$518||$908||$500||$30||$150||$2,106||$176|
|TT S 2.0T Quattro 2-Dr Roadster||$250||$492||$392||$24||$118||$1,276||$106|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can modify premium rates greatly.
Impact of violations and accidents on rates
The chart below highlights how traffic violations and at-fault claims drive up Audi TT premium costs for different insured age categories. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below shows the difference between Audi TT insurance prices with full coverage and liability only. The price estimates are based on no claims or driving violations, $250 deductibles, married female driver, and no policy discounts are applied.
Should you pay for full coverage?
There is no clear-cut rule to delete full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Audi TT book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the deductible is paid. If you are paying more than $200 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Get cheaper rates by receiving discounts
Auto insurance is not inexpensive, but you might already qualify for some discounts that may help make it more affordable. Some trigger automatically when you get a quote, but some may not be applied and must be inquired about prior to getting the savings.
- ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems have fewer accidents and will save you 10% or more on TT insurance in Austin.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
- Safe Driver Discount – Insureds who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Military Deployment Discount – Having an actively deployed family member could mean lower auto insurance rates.
- Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your company.
- College Student Discount – Kids living away from Austin attending college and do not have access to a covered vehicle could qualify for this discount.
Don’t be shocked that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.
To see insurers with discount rates in Austin, follow this link.
Why Your Insurance Premiums might be higher
Smart consumers have a good feel for some of the factors that aid in calculating your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that can help you get cheaper rates. Many things are part of the equation when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are not as apparent like your continuous coverage or your vehicle rating.
Liability protection is important – Your policy’s liability coverage provides coverage if you are found liable for physical damage or personal injury to other. It will provide legal defense to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Higher prices for specific employers – Jobs like military generals, police officers, and medical professionals tend to pay the highest average rates attributed to stressful work requirements and incredibly demanding work hours. On the flip side, occupations like actors, students and retirees pay lower than average rates.
Pay less if you’re married – Having a significant other actually saves money when shopping for car insurance. Having a spouse demonstrates that you tend to be more stable financially and it’s proven that married drivers get in fewer accidents.
Gender and car insurance prices – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Men and women are responsible for auto accidents in similar numbers, but males have costlier accidents. They also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
Audi TT claim probability – Insurers use historical loss data in order to profitably underwrite each model. Models that are shown to have higher losses will have higher rates for specific coverages. The information below illustrates the insurance loss data for Audi TT vehicles.
For each policy coverage type, the claim amount for all vehicles as a whole is equal to 100. Values under 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate more frequent claims or an increased probability of a larger loss.
Car Insurance Loss Data for Audi TT Models
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi TT 2dr 4WD||168||111|
|Audi TTS 2dr 4WD||141|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance agents are trained to help
Some consumers still prefer to sit down and talk to an agent and doing so can bring peace of mind One of the great benefits of comparing rates online is that you can obtain cheaper prices and still have a local agent. Buying from local agents is important particularly in Austin.
After filling out this simple form, your information is transmitted to participating agents in Austin who will give competitive quotes for your car insurance coverage. It’s much easier because you don’t need to search for any insurance agencies because quoted prices will be sent immediately to your email address. You can find better rates without requiring a lot of work. In the event you want to get a comparison quote from a specific insurance company, you just need to navigate to their website and fill out their quote form.
If you want a local agent, you should know the types of agencies and how they are distinctly different. Insurance agencies in Austin can be classified as either independent or exclusive.
Independent Car Insurance Agencies or Brokers
Independent agents are not employed by any specific company and that gives them the ability to insure with lots of companies and find the cheapest car insurance rates. If you want to switch companies, they can switch companies in-house which is easy for the insured.
If you need cheaper car insurance rates, you should always include rate quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through different regional companies which may have better rates.
The following are Austin independent insurance agents that can give you comparison quotes.
- Starr Insurance Agency
8801 Research Blvd #104 – Austin, TX 78758 – (512) 586-2000 – View Map
- Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map
- Time Insurance Agency
1405 E Riverside Dr – Austin, TX 78741 – (512) 447-7773 – View Map
Exclusive agencies generally can only insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to shop your coverage around so they have to upsell other benefits. These agents are very knowledgeable on their company’s products which helps them compete with independent agents. Many people choose to use an exclusive agent partially due to the brand name and solid financial strength.
The following are exclusive agencies in Austin that are able to give price quote information.
- State Farm: Charlie Anderson
12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231 – View Map
- Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 – Austin, TX 78745 – (512) 443-9598 – View Map
- Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Choosing a insurance agency is decision based upon more than just the price. You should also get answers to these questions.
- If they are an independent agency in Austin, which companies do they recommend?
- Does the company have a solid financial rating?
- Are they able to influence company decisions when a claim is filed?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they reduce claim amounts on high mileage vehicles?
- Are you getting all the discounts the company offers?
- Are they involved in claim handling?
Auto insurance advertising gotchas
Respected companies like Progressive, Allstate and GEICO regularly use ads on television and other media. They all tend to make the same promise about how much you will save just by moving your auto insurance policy to them. How do they all charge less that you’re paying now? This is how they do it.
Most companies give the cheapest rates for the type of driver they prefer to insure. For instance, a profitable risk profile could be a married female, has no claims, and has a short commute. Any new insured that fits those parameters will get the preferred prices in Austin as well as save money with a new company.
People who do not fit these criteria will probably be forced to pay a more expensive rate which usually ends up with the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently state the savings.
That is why you should compare free Austin auto insurance quotes often. It’s impossible to know which insurance companies will give you lower car insurance rates than your current company.
Keep this in mind when shopping around
We just presented some good ideas how you can find affordable Audi TT insurance in Austin. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the best premium rates are with the smaller companies.
Cheaper insurance in Austin can be sourced on the web and with local Austin insurance agents, so you should compare both to have the best selection. A few companies do not offer online price quotes and most of the time these small, regional companies only sell through local independent agencies.
Consumers who switch companies do it for many reasons like high prices, policy non-renewal, lack of trust in their agent or delays in paying claims. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.
More tips and info about insurance can be read by following these links:
- Liability Insurance Coverage (Nationwide)
- Who Has the Cheapest Austin Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
- Who Has Affordable Austin Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Austin Car Insurance Rates for Teenage Males? (FAQ)
- Determing Auto Insurance Rates (GEICO)
- Frontal Crash Tests (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)