Smart shoppers know that auto insurance companies want to keep you from shopping around. Consumers who perform rate comparisons are likely to switch companies because there is a high probability of finding a cheaper policy. Remarkably, a study showed that drivers who compared price quotes annually saved an average of $865 annually compared to people who never shopped around for better prices.
If finding the cheapest rates on auto insurance is the reason for your visit, learning how to find companies and compare auto insurance can help simplify the process.
If you want to save the most money, the best way to find low-cost prices for car insurance rates is to make a habit of comparing prices annually from insurance carriers in Scottsdale.
- Step 1: Gain an understanding of how insurance works and the changes you can make to prevent expensive coverage. Many policy risk factors that cause rate increases such as getting speeding tickets and a not-so-good credit rating can be amended by improving your driving habits or financial responsibility. Continue reading for ideas to get lower rates and get bigger discounts.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates for many different companies.
- Step 3: Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
- Step 4: Give notification to your agent or company to cancel the current policy. Submit a down payment along with a completed application to the new company. Once the application is submitted, place the new certificate verifying coverage in an accessible location in your vehicle.
One thing to point out is to use the same coverage limits and deductibles on each quote and and to look at every insurance company. Doing this guarantees a fair price comparison and the best price selection.
Audi TT insurance coverage information
The premium information shown below covers detailed analysis of insurance coverage prices for Audi TT models. Having a better understanding of how car insurance prices are calculated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT S 2.0T Quattro 2-Dr Coupe | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Coupe | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Roadster | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can affect coverage rates substantially.
Insurance premiums for males and females
The illustration below visualizes the comparison of Audi TT annual premium costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.
Full coverage versus liability-only
The information below shows the comparison of Audi TT car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are factored in.
When to drop full coverage
There is no clear-cut formula that works best for making the decision to drop physical damage coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more 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 replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your policy deductible. If it’s costing you more than $700 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
Affordable rates on Audi TT insurance in Scottsdale with these seven discounts
Some insurers don’t list their entire list of discounts in a way that’s easy to find, so the list below contains a few of the more common and also the lesser-known ways to save on car insurance. If you do not check that you are getting every discount possible, you may be paying too high a price.
- Driver Training Discounts – Taking time to complete a safe driver class may get you a small discount if your company offers it.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on car insurance due to the fact that maintaining a home is proof of financial responsibility.
- 55 and Retired – Drivers over the age of 55 may receive lower premium rates.
- Save with a New Car – Insuring a vehicle that is new can save you some money since new model year vehicles are generally safer.
- Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and Progressive will turn a blind eye to one accident before raising your premiums if you have no claims for a certain period of time.
- More Vehicles More Savings – Purchasing coverage when you have all your vehicles on the same car insurance policy can get a discount for every vehicle.
As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.
The diagram below illustrates the difference between Audi TT annual premium costs with and without discounts applied to the rates. The data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, marriage, and claim-free discounts applied.
Companies and the discounts they provide can be found below.
- State Farm offers discounts for defensive driving training, anti-theft, passive restraint, good student, multiple autos, and Drive Safe & Save.
- Liberty Mutual has savings for hybrid vehicle, newly married, exclusive group savings, new move discount, new graduate, preferred payment discount, and multi-policy.
- American Family offers discounts including good driver, defensive driver, accident-free, good student, multi-vehicle, and mySafetyValet.
- Progressive discounts include multi-vehicle, online quote discount, online signing, good student, homeowner, continuous coverage, and multi-policy.
- Farmers Insurance offers premium reductions for switch companies, teen driver, youthful driver, mature driver, multi-car, and homeowner.
- Auto-Owners Insurance has discounts for anti-lock brakes, multiple vehicles, multi-policy, teen driver, mature driver, safe vehicle, and paid in full.
- SAFECO may have discounts that include safe driver, homeowner, anti-lock brakes, teen safety rewards, multi-car, and accident prevention training.
Before you buy a policy, ask every company which discounts they offer. Some discounts may not be available in Scottsdale.
Auto insurance coverages and their meanings
Understanding the coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible on your TT in order to get cheaper collision rates.
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from flooding, theft, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Auto liability
This coverage can cover injuries or damage you cause to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/10 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for things like attorney fees, structural damage, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying more coverage.
The next chart demonstrates why the minimum limit may not provide you with enough coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi TT.
Since many Arizona drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for immediate expenses like dental work, hospital visits, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Best car insurance in Arizona
Picking the right auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Scottsdale. The ranking information shown next could help you pick which coverage providers to look at purchasing a policy from.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Cheaper auto insurance rates are out there
You just read a lot of ways to lower your Audi TT insurance premium rates in Scottsdale. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive Scottsdale auto insurance quotes. You may even find the most savings is with the smaller companies.
Insureds leave their current company for many reasons like high prices, an unsatisfactory settlement offer, being labeled a high risk driver or even high rates after DUI convictions. Regardless of your reason, finding the right auto insurance provider can be less work than you think.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.
More detailed auto insurance information is located in the articles below:
- Car Insurance FAQ (Trusted Choice)
- Who Has Cheap Auto Insurance Rates for a Nissan Altima in Scottsdale? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for a Subaru Outback? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teachers in Scottsdale? (FAQ)
- Safety Features for Your New Car (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Understanding Limits and Deductibles (Allstate)