Buying the lowest price Phoenix Audi TT insurance quotes can seem to be rather challenging for beginners to price shopping on the internet. With literally dozens of online companies available, how can Phoenix drivers be able to compare them all to find the best available rates?
Remarkably, a study showed that the vast majority of consumers kept their coverage with the same auto insurance company for a minimum of four years, and nearly the majority have never compared auto insurance rates at all. Many drivers in Arizona can save hundreds of dollars each year by just comparing rate quotes, but they don’t know the rate savings if they swap their current policy for a cheaper one.
It’s a great practice to do rate comparisons before your next renewal because auto insurance prices trend upward over time. If you had the best deal on Audi TT insurance in Phoenix a year ago you may be paying too much now. There is lot of inaccurate information about TT insurance online, but we’re going to give you some of the best techniques to slash your auto insurance rates in Phoenix.
Our goal is to teach you a little about how auto insurance companies operate and also pocket some savings If you currently have a car insurance policy, you should be able to shop for the lowest rates using the concepts you’re about to learn. Nevertheless, Arizona vehicle owners do need to understand how insurance companies determine how much to charge and use this information to your advantage.
All the larger auto insurance companies like State Farm, GEICO and Progressive allow consumers to get prices for coverage from their websites. Comparing prices online for Audi TT insurance in Phoenix is quite simple because it’s just a matter of typing in your personal and coverage information as requested by the quote form. Behind the scenes, the company’s rating system requests your driving and credit reports and generates a price based on these and other factors.
Being able to quote online for Audi TT insurance in Phoenix simplifies rate comparisons, and it’s also necessary to have as many quotes as possible in order to find the most affordable premium.
To compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you input the limits and deductibles exactly as they are listed on your policy. Doing this assures you will have rate quotes using the same coverage and limits.
The auto insurance companies shown below offer free rate quotes in Arizona. If multiple companies are listed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $176 | $384 | $362 | $22 | $108 | $1,052 | $88 |
| TT 2.0T Quattro 2-Dr Coupe | $174 | $326 | $306 | $18 | $92 | $916 | $76 |
| TT 2.0T Quattro 2-Dr Coupe | $140 | $284 | $288 | $18 | $86 | $816 | $68 |
| TT S 2.0T Quattro 2-Dr Coupe | $204 | $410 | $288 | $18 | $86 | $1,006 | $84 |
| TT 2.0T Quattro 2-Dr Roadster | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| TT 2.0T Quattro 2-Dr Roadster | $278 | $608 | $288 | $18 | $86 | $1,278 | $107 |
| TT S 2.0T Quattro 2-Dr Coupe | $396 | $880 | $404 | $24 | $122 | $1,826 | $152 |
| TT S 2.0T Quattro 2-Dr Roadster | $200 | $402 | $282 | $16 | $84 | $984 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $152 | $312 | $282 | $16 | $84 | $846 | $71 |
| TT S 2.0T Quattro 2-Dr Roadster | $270 | $556 | $282 | $16 | $84 | $1,208 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific location which can modify rates noticeably.
Difference between full coverage and liability only rates
The diagram below illustrates the difference between Audi TT car insurance costs with and without full coverage. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are factored in.
When to buy liability coverage only
There is no exact formula to exclude physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your Audi TT book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after the policy deductible has been paid. If it’s costing you more than $300 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Higher deductibles save money
The information below demonstrates how deductibles and can affect Audi TT yearly insurance costs for each age group. Data assumes a married male driver, full coverage, and no other discounts are factored in.
Age-based auto insurance rates by gender
The example below shows the difference between Audi TT car insurance rates for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Buying the right Audi vehicle insurance in Arizona is an important decision
Despite the fact that auto insurance is not cheap in Phoenix, paying for auto insurance may be mandatory for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your TT with a loan, almost all lenders will require you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Audi at a more expensive rate and make you pay for the expensive policy.
- Insurance safeguards both your Audi and your personal assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If your Audi gets damaged, your policy will pay to have it repaired.
The benefits of buying enough insurance are definitely more than the cost, especially for larger claims. On average, a vehicle owner in Phoenix is overpaying over $825 a year so compare rates every year to be sure current rates are still competitive.
Auto insurance quotes and discounts
Auto insurance companies do not list every discount they offer very clearly, so here is a list both well-publicized and the harder-to-find auto insurance savings.
- Policy Bundle Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total TT insurance premium.
- Switch and Save Discount – A few companies offer discounts for switching companies before your current TT insurance policy expires. The savings is around 10%.
- Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% with certain companies.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
- Save over 55 – If you qualify as a senior citizen, you could receive a small discount on rates.
- Resident Student – Children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
- E-sign Discounts – Some of the larger companies will give a small break for completing your application digitally online.
- Homeowners Savings – Owning a home in Phoenix can help you save on auto insurance because maintaining a house is proof of financial responsibility.
We need to note that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.
If you would like to see a list of companies that offer many of these discounts in Arizona, click here.
Local agents and car insurance
Many drivers still like to buy from a local agent and we recommend doing that The biggest benefit of getting online price quotes is that you can find lower prices and also buy local. Supporting local agencies is especially important in Phoenix.
After filling out this quick form, your insurance coverage information is instantly submitted to participating agents in Phoenix who want to provide quotes for your car insurance coverage. You won’t need to contact any insurance agencies as quotes are delivered immediately to your email address. You can most likely find cheaper rates AND an agent nearby. If you wish to compare prices from a particular provider, you just need to jump over to their website and fill out the quote form the provide.
The different types of auto insurance agents
If you are wanting to find an insurance agent, there are two types of insurance agents that you can choose from. Phoenix agents may be either independent or exclusive.
Independent Agents (or Brokers)
Agents that choose to be independent often have many company appointments and that gives them the ability to insure with many different companies and potentially find a lower price. If you are not satisfied with one company, they simply move your policy to a different company and you don’t have to switch agencies.
When comparison shopping, you need to get several quotes from several independent agencies to get the best comparison. A lot of them also have access to additional companies that you may not be familiar with which can be an advantage.
Shown below is a partial list of independent insurance agents in Phoenix that may be able to provide rate quotes.
- Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map - LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map - Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive work for only one company like Allstate and State Farm. They generally cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes buy from exclusive agents partially due to the prominent brand name instead of buying on price only.
Listed below is a list of exclusive agents in Phoenix that are able to give price quote information.
- Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330 – View Map - Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map - Marcella Busto – State Farm® Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 – View Map
Finding the right insurance agent needs to be determined by more than just the price. Any agent in Phoenix should be willing to answer these questions.
- Is the agency active in community causes in Phoenix?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How much experience to they have in personal lines coverages?
- Do they review policy coverages at every renewal?
- How long has the business existed?
- How much will you save each year by using a higher deductible?
- Is the agency covered by Errors and Omissions coverage?
Once you have good responses and an acceptable price quote, you may have found a car insurance agent that meets the criteria to provide car insurance coverage.
Auto insurance coverage breakdown
Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like falling objects, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, doctor visits and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverages – Collision insurance will pay to fix damage to your TT caused by collision 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 insurance covers claims like colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible on your TT to save money on collision insurance.
Liability insurance – This provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/10 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as medical services, legal defense fees, structural damage, loss of income and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should consider buying more coverage.
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi TT.
Because many people carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
How much can you save?
When getting Phoenix auto insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability coverage limits and learned later that the savings was not a smart move. The proper strategy is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
We’ve covered many ideas to get a better price on Audi TT insurance in Phoenix. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest auto insurance rates are with a lesser-known regional company.
Drivers who switch companies do it for many reasons like delays in paying claims, an unsatisfactory settlement offer, denial of a claim or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is less work than it seems.
Additional information is available on the following sites:
- Event Data Recorders FAQ (iihs.org)
- How Much are Auto Insurance Rates for College Graduates in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Under 25 in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance for 17 Year Olds? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)