Save on Audi TT Insurance in Louisville

If saving money is your primary concern, then the best way to find discount Audi TT insurance in Louisville is to start comparing prices yearly from different companies in Kentucky.

  1. Spend a few minutes and learn about what is in your policy and the measures you can control to lower rates. Many things that cause high rates like at-fault accidents and poor credit history can be amended by making small lifestyle or driving habit changes. Continue reading for more ideas to find cheap rates and find overlooked discounts.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agents can provide prices for a wide range of insurance providers.
  3. Compare the new rates to your existing policy to see if cheaper TT coverage is available. If you find a lower rate, ensure coverage does not lapse between policies.
  4. Provide notification to your current agent or company to cancel the current policy and submit payment and a completed application for the new policy. Be sure to safely store the certificate verifying coverage along with the vehicle’s registration papers.

The most important part of shopping around is that you’ll want to make sure you compare similar coverage information on every quote request and and to get quotes from all possible companies. Doing this enables the most accurate price comparison and the best price quote selection.

Insurance for Audi TTSmart shoppers know that auto insurance companies don’t want you to look for a cheaper policy. Insureds who compare rates annually are highly likely to buy a different policy because of the high probability of finding a policy with better rates. A recent insurance study discovered that drivers who made a habit of comparing rate quotes saved $70 a month as compared to drivers who never shopped around for better prices.

If finding the most affordable Audi TT insurance in Louisville is the reason you’re here, then having a good understanding the best ways to find and compare cheaper coverage can make it easier for you to save money.

Don’t overlook these ten Audi TT insurance discounts

Not too many consumers would say insurance is affordable, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but a few must be inquired about prior to getting the savings. If you are not receiving all the discounts available, it’s possible you qualify for a lower rate.

We need to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

The example below shows the comparison of Audi TT insurance costs with and without discounts. The data assumes a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.

To choose insurance companies that offer multiple discounts in Kentucky, click this link.

When shopping for Audi TT insurance in Louisville there are multiple ways to compare rate quotes from companies that offer insurance in Kentucky. The simplest method to find the cheapest insurance rates consists of obtaining rate quotes online. When price shopping your coverage, getting more free quotes helps increase your odds of locating better pricing. Some insurance companies are not set up to provide online price quotes, so it’s important to compare rates from those companies as well.

The companies shown below are ready to provide price quotes in Louisville, KY. If multiple companies are listed, we recommend you visit two to three different companies in order to find the lowest rates.

Audi TT insurance statistics and information

The table shown next outlines estimates of insurance prices for Audi TT models. Having knowledge of how insurance prices are formulated can assist in making smart choices when comparing insurance rates.

Audi TT Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $402 $688 $428 $26 $128 $1,672 $139
TT 2.0T Quattro 2-Dr Coupe $402 $688 $428 $26 $128 $1,672 $139
TT 2.0T Quattro 2-Dr Coupe $402 $688 $428 $26 $128 $1,672 $139
TT S 2.0T Quattro 2-Dr Coupe $444 $778 $428 $26 $128 $1,804 $150
TT 2.0T Quattro 2-Dr Roadster $444 $778 $428 $26 $128 $1,804 $150
TT 2.0T Quattro 2-Dr Roadster $444 $778 $428 $26 $128 $1,804 $150
TT S 2.0T Quattro 2-Dr Coupe $444 $778 $428 $26 $128 $1,804 $150
TT S 2.0T Quattro 2-Dr Roadster $444 $778 $428 $26 $128 $1,804 $150
TT 2.0T Quattro 2-Dr Roadster $444 $778 $428 $26 $128 $1,804 $150
TT S 2.0T Quattro 2-Dr Roadster $486 $870 $428 $26 $128 $1,938 $162
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.

An analysis of deductible level

When shopping for insurance, a common question is how high should the deductibles for physical damage be. The tables below highlight the premium difference when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Audi TT insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $354 $688 $326 $20 $98 $1,511 $126
TT 2.0T Quattro 2-Dr Coupe $354 $688 $326 $20 $98 $1,511 $126
TT 2.0T Quattro 2-Dr Coupe $354 $688 $326 $20 $98 $1,511 $126
TT S 2.0T Quattro 2-Dr Coupe $390 $778 $326 $20 $98 $1,637 $136
TT 2.0T Quattro 2-Dr Roadster $390 $778 $326 $20 $98 $1,637 $136
TT 2.0T Quattro 2-Dr Roadster $390 $778 $326 $20 $98 $1,637 $136
TT S 2.0T Quattro 2-Dr Coupe $390 $778 $326 $20 $98 $1,637 $136
TT S 2.0T Quattro 2-Dr Roadster $390 $778 $326 $20 $98 $1,637 $136
TT 2.0T Quattro 2-Dr Roadster $390 $778 $326 $20 $98 $1,637 $136
TT S 2.0T Quattro 2-Dr Roadster $426 $870 $326 $20 $98 $1,765 $147
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Audi TT insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $258 $466 $326 $20 $98 $1,168 $97
TT 2.0T Quattro 2-Dr Coupe $258 $466 $326 $20 $98 $1,168 $97
TT 2.0T Quattro 2-Dr Coupe $258 $466 $326 $20 $98 $1,168 $97
TT S 2.0T Quattro 2-Dr Coupe $284 $526 $326 $20 $98 $1,254 $105
TT 2.0T Quattro 2-Dr Roadster $284 $526 $326 $20 $98 $1,254 $105
TT 2.0T Quattro 2-Dr Roadster $284 $526 $326 $20 $98 $1,254 $105
TT S 2.0T Quattro 2-Dr Coupe $284 $526 $326 $20 $98 $1,254 $105
TT S 2.0T Quattro 2-Dr Roadster $284 $526 $326 $20 $98 $1,254 $105
TT 2.0T Quattro 2-Dr Roadster $284 $526 $326 $20 $98 $1,254 $105
TT S 2.0T Quattro 2-Dr Roadster $310 $588 $326 $20 $98 $1,342 $112
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in specific Louisville garaging location which can affect insurance rates considerably.

We can estimate from the data above that using a $100 deductible costs about $31 more each month or $372 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 13 months between claims, you would save more money if you opt for a higher deductible.

The chart below illustrates how your deductible choice and can affect Audi TT insurance costs for each different age group. The information is based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Impact of speeding/accidents on Louisville insurance rates

The diagram below shows how speeding tickets and at-fault collisions influence Audi TT insurance prices for different age categories. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Should you buy full coverage?

The chart below visualizes the comparison of Audi TT insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are factored in.

When to stop buying full coverage

There is no clear-cut rule to delete comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Audi TT settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $5,000 after the policy deductible has been paid. If it’s costing you more than $500 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.

Independent versus exclusive insurance agencies

Certain consumers still like to buy from a licensed agent and that can be a smart move A good thing about price shopping on the web is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying from neighborhood agents is important particularly in Louisville.

By using this simple form, your information is transmitted to participating agents in Louisville who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to drive around since price quotes are sent directly to you. You can most likely find cheaper rates AND an agent nearby. If you have a need to get a price quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Different types of Louisville auto insurance agents

When finding a reliable insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agents may be either exclusive agents or independent agents.

Independent Insurance Agencies

Agents that elect to be independent can sell policies from many different companies and that gives them the ability to insure through many different insurance companies and find you the best rates. If they find a lower price, your agent can switch companies and that require little work on your part.

When comparing insurance prices, you absolutely need to include multiple independent agents to get the most accurate price comparison. Many can place coverage with mutual insurance companies that many times have cheaper rates.

Featured below is a list of independent agents in Louisville that can give you free rate quotes.

View more Louisville agents

Exclusive Insurance Agents

These type of agents can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to shop your coverage around so keep that in mind. Exclusive agents receive extensive training on what they offer which helps them compete with independent agents. Some consumers prefer to use the same agent mostly because of the prominence of the brand and solid financial strength.

Listed below is a short list of exclusive insurance agents in Louisville who can help you get price quote information.

View more Louisville agents

Finding a good insurance agent needs to be determined by more than just the premium amount. These are some questions you should get answers to.

Why you need to buy insurance

Despite the potentially high cost of Audi TT insurance, buying insurance is most likely required but also gives you several important benefits.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is wasting up to $865 each year so it’s important to compare rates every year to help ensure money is not being wasted.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Audi TT.

Due to the fact that many Kentucky drivers have only the minimum liability required by law (Kentucky limits are 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/10 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, structural damage, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford. Kentucky requires drivers to carry at least 25/50/10 but you should consider buying more coverage.

The chart below demonstrates why buying the state minimum limits may not be enough coverage.

Coverage for collisions

This coverage covers damage to your TT resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with a tree, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible on your TT to bring the cost down.

Best car insurance company in Kentucky

Finding the highest-rated auto insurance provider can be a challenge considering how many companies sell insurance in Louisville. The information shown next can help you select which coverage providers you want to consider purchasing coverage from.

Top Car Insurance Companies in Kentucky
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

What is YOUR best insurance company?

Consumers leave their current company for a number of reasons such as high prices, policy cancellation, not issuing a premium refund or poor customer service. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many ideas to save on Audi TT insurance in Louisville. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on insurance is with the smaller companies.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The goal is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

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