Better Methods to Lowering Your Audi TTS Insurance Rates

Expensive auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to lower your monthly bill. There are many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it can be more difficult to adequately compare rates.

Finding the best rates is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Drivers only need to know the tricks to buy auto insurance on the web.

Be sure to get all your discounts

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Multi-policy Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.
• Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
• Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
• Senior Discount – Mature drivers may be able to get reduced rates for TTS insurance.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for TTS insurance depending on your company.
• Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies who offer auto insurance discounts, click this link.

Why you might be paying too much to insure your Audi TTS

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the items that factor into premiums.

• A clean driving record saves money – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
• Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
• Rate your vehicle for proper use – The more you drive every year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance policy shows the correct driver usage. Incorrect usage on your TTS can result in significantly higher rates.
• Always keep insurance in force – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine.
• Credit scores impact auto insurance rates – Credit rating is a huge factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your Audi TTS by spending a little time repairing your credit.

More quotes mean more savings

Cost effective Audi TTS insurance is possible both online and also from your neighborhood agents, so compare prices from both to have the best selection. Some companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.