Have you had enough of paying out the nose to insure your Audi every month? You’re in the same situation as most other car owners. Lots of auto insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider to find the cheapest price
You should take the time to do rate comparisons quite often since rates are usually higher with each renewal. Even if you got the best price on TT coverage a couple years back there may be better deals available now. Starting now, ignore everything you know about auto insurance because you’re going to get a crash course in the best methods to find lower rates on auto insurance.
If you are insured now or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is not that difficult. Drivers just need to understand the proper way to get comparison rates online.
Are you getting all your discounts?
Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount available, you’re paying more than you need to.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
- Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
- Paperless Signup – Some insurance companies may give you up to $50 for buying your policy digitally online.
- Senior Discount – Older drivers may qualify for a small decrease in premiums on TT coverage.
It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.
It’s not one size fits all
When choosing the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you will benefit from professional help.
- Which companies will insure high-risk drivers?
- Will I be non-renewed for getting a DUI or other conviction?
- How high should my medical payments coverage be?
- What if I total my Audi TT and owe more than it’s worth?
- What are the best liability limits?
- What companies insure drivers after a DUI or DWI?
- Is borrowed equipment or tools covered if stolen or damaged?
- Do I have coverage if my license is suspended?
- Exactly who is provided coverage by my policy?
- What can I do if my company won’t pay a claim?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Comparing rates from local agents
Certain consumers would prefer to get advice from a local agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing rates online is you can get the lowest rates but also keep your business local.
Once you complete this short form, your insurance data is immediately sent to insurance agents who will battle to get your business. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. Now that’s easy!
Picking a company requires more thought than just the bottom line cost. These are valid questions to ask:
- Who are their largest clients?
- Do they review policy coverages at every renewal?
- Do they assist clients in filing claims?
- Do they receive special compensation for putting your coverage with one company over another?
- Did they already check your driving record and credit reports?
Multiple types of insurance agents
When looking for a reliable agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Agencies are either independent or captive. While both can do a good job, but it’s worth learning the difference between them because it can impact buying decisions.
Captive Insurance Agents
Captive agents can only write with one company such as State Farm, AAA and Liberty Mutual. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies receive extensive training on their company’s products which can be an advantage.
Independent Agents
Independent agents do not work for one specific company but instead can place your coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparison shopping, it’s recommended you get quotes from at least one independent agent to get the best comparison.
For a complete listing of insurance agencies, click here.
Once you have satisfactory answers to these questions and a good coverage price, you’ve probably found a car insurance agent that will service your policy.
Don’t believe everything you hear
Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate and Progressive. All the companies make an identical promise that you can save after switching your policy.
But how can every company make almost identical claims?
Insurance companies are able to cherry pick for the type of driver they prefer to insure. A good example of a desirable insured could be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save when switching.
Potential insureds who don’t measure up to the requirements will be charged higher premiums which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can advertise the way they do. That is why drivers should get as many comparisons as possible. Because you never know which auto insurance company will provide you with the cheapest rates.
Quote often and quote early
As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.
Low-cost Audi TT insurance can be bought on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
