Compare Audi TT Insurance Rates in Atlanta

Wish you could get a refund on overpriced Audi TT insurance in Atlanta? Say no more because there are a lot of people in Atlanta just like you who feel imprisoned by their auto insurance policy.

Remarkably, a study showed that a large majority of auto insurance policyholders have purchased from the same company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. Consumers in Atlanta can save hundreds of dollars each year just by getting comparison quotes, but they don’t invest the time required to compare other rate quotes. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

It’s important to get comparison quotes every six months since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on Audi TT insurance in Atlanta a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the best methods to remove unneeded coverages and save money.

Informed Consumers Can Slash Their Insurance Costs

Lots of factors are used when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are more transparent such as your marital status or how financially stable you are.

• Liability insurance preserves assets – The liability section of your policy will afford coverage in the event that you are responsible for an accident. This coverage provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
• Safer occupants lowers rates – Vehicles with high crash test scores get lower rates. Safer cars help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
• High performance vehicles cost more to insure – The performance level of the car you need insurance for makes a significant difference in your premium level. Since the Audi TT is classified as a luxury sports car, insurance will be up to twice as much compared to average rates in Atlanta. Lower performance four cylinder passenger models usually have the lowest rates, but other factors influence the final cost greatly.
• Get a ticket, pay higher prices – Having a clean driving record impacts premiums far more than you think. Just one ticket can increase the cost of insurance forty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who have careless citations such as DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
• Certain occupations raise rates – Careers such as lawyers, business owners and dentists have higher premium rates due to high stress and lots of time spent at work. On the flip side, occupations like farmers, engineers and performers get better rates.
• Single drivers take more risk – Being married can get you a discount on your auto insurance bill. It means you’re more mature and responsible and statistics prove married drivers tend to file fewer claims.
• Loss statistics for an Audi TT – Auto insurance companies factor in historical loss data to help calculate premium rates. Models that historically have higher claim frequency or loss amount will cost more for specific coverages.

  The table shown below demonstrates the insurance loss data used by companies for Audi TT vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is represented as 100. Percentage values below 100 are indicative of better than average losses, while values that are 100 or greater indicate higher probability of having a loss or larger claims.

  Audi TT Insurance Loss Statistics

  Specific Audi Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi TT 2dr 4WD	168		111
  Audi TTS 2dr 4WD	141

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

The easiest way to compare insurance rates in your area is to realize all the major auto insurance companies have advanced systems to provide you with a free rate quote. The one thing you need to do is provide the companies a bit of rating information including distance driven, if you’re married, how much education you have, and your job. That information is then submitted to insurance companies and they return rate quotes immediately.

To compare rates for your Audi TT now, click here and enter the information requested.

The companies in the list below can provide free rate quotes in Atlanta, GA. If several companies are displayed, we suggest you visit as many as you can to find the most competitive auto insurance rates.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can alter auto insurance rates noticeably.

Gender-based car insurance premiums

The example below visualizes the comparison of Audi TT car insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is how high should your deductibles be. The following tables show the differences in premium rates between high and low insurance deductibles. The first pricing table uses a $250 deductible and the second rate chart uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in garaging location in Atlanta which can increase or decrease coverage prices noticeably.

Based on this data, using a $250 deductible would cost the average driver about $21 more each month or $252 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 12 months between claims, you would probably be better off if you elect the higher deductible.

Why you might not save $456 a year

Consumers can’t get away from all the ads that claim the best rates by companies like Allstate, GEICO and Progressive. All the companies make an identical promise that drivers can save some big amount if you change your auto insurance policy to them.

But how can every company charge you a lower premium?

Many companies can use profiling for the type of customer that will add to their bottom line. A good example of a desirable risk should be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. Someone that matches those criteria is entitled to the best price and therefore will save some money.

Consumers who don’t qualify for these criteria will be quoted higher prices and this results in the customer not purchasing. The trick companies use is to say “customers that switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can claim big savings.

Because every company is different, drivers should get Atlanta auto insurance quotes as often as possible. Because you never know the company that will have the lowest rate quotes.

Insuring your TT just makes sense

Despite the high insurance cost for a Audi TT in Atlanta, insuring your vehicle serves several important purposes.

First, just about all states have mandatory insurance requirements which means the state requires specific limits of liability insurance in order to drive the car legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your Audi TT with a loan, more than likely the lender will require that you have insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi at a much higher premium rate and force you to pay for it.

Third, car insurance preserves both your assets and your vehicle. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of insuring your TT definitely exceed the cost, particularly if you ever have a claim. The average driver in America is overpaying over $810 a year so compare rate quotes each time the policy renews to make sure the price is not too high.

Do you qualify for discounts on Audi TT insurance in Atlanta?

Companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts that you may qualify for.

• Theft Prevention System – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Atlanta auto insurance quote.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance from them.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on Atlanta auto insurance quote when compared to accident-prone drivers.
• Switch and Save Discount – A few larger companies allow discounts for switching companies before your current coverage expires. It could save around 10% when you buy Atlanta auto insurance online.
• Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
• Lower Rates for Military – Having a deployed family member could mean lower premium rates.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education in school.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

To view car insurance companies offering car insurance discounts in Georgia, follow this link.

Insurance agent or online?

A small number of people just prefer to buy from a local agent and that is a smart decision Agents will help you protect your assets and help file insurance claims. An additional benefit of price shopping on the web is you may find the lowest rates and still have an agent to talk to. Supporting neighborhood agents is important especially in Atlanta.

Once you complete this form (opens in new window), your coverage information is transmitted to participating agents in Atlanta that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer since rate quotes are delivered to you. If you need to get a price quote from a specific company, you can always visit that company’s website and submit a quote form there.

If you prefer to buy auto insurance from a reliable insurance agency, it can be helpful to understand the types of agencies and how they are distinctly different. Auto insurance policy providers can be classified as either independent or exclusive. Either one can properly insure your vehicles, but we need to point out the subtle differences because it can factor into your selection of an agent.

Independent Auto Insurance Agencies or Brokers

Independent agents do not sell for just one brand so they can write business through many companies and help determine which has the cheapest rates. If they find a cheaper price, the business is moved internally and you don’t have to switch agencies.

When comparing rate quotes, we recommend you compare prices from independent agents for maximum quote selection.

Below is a partial list of independent agencies in Atlanta that may be able to give you free rate quotes.

More insurance agents

Exclusive Insurance Agents

These type of agents have only one company to place business with and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies are highly trained in insurance sales which aids in selling service over price.

Shown below are exclusive agencies in Atlanta that are able to give rate quotes.

More insurance agents

Choosing the best car insurance agent shouldn’t rely on just a cheap quote. The following questions are important to ask.

• Will a damage claim use OEM or aftermarket replacement parts?
• Does the agent recommend any additional coverage?
• What companies can they write with?
• Are there any discounts for paying up front?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How experienced are they in personal risk management?

Situations that may require an agent’s advice

When quoting and comparing insurance from an agent or online, there is no cookie cutter policy. Your needs are unique to you and your auto insurance should be unique as well.
These are some specific questions might help in determining if you would benefit from professional advice.

• Should I waive the damage coverage when renting a car?
• Does my Audi TT need full coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Where can I get insurance after a DUI in Georgia?
• Does every company file a SR-22 automatically?
• Should I buy full coverage?
• Do I need an umbrella policy?
• Does my insurance cover a custom paint job?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Cheaper car insurance is a realistic goal

In this article, we covered some good ideas how you can reduce Audi TT insurance auto insurance rates online in Atlanta. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive Atlanta auto insurance quotes. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

Some insurance companies may not offer online quoting and many times these small insurance companies work with independent insurance agents. Cheap Audi TT insurance in Atlanta can be sourced online and from local insurance agents, so you should compare both to have the best selection.

Additional information is located at these links:

• Five Mistakes to Avoid (Insurance Information Institute)
• Who Has Affordable Atlanta Auto Insurance Rates for Drivers with Good Credit? (FAQ)
• Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Atlanta? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• Auto Crash Statistics (Insurance Information Institute)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)