Audi TT Insurance Quotes in Columbus

Finding low-cost insurance for your Audi TT in Ohio can turn out to be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to compare rates for your Audi and find the lowest possible price either online or from Columbus insurance agents.

Consumers should take time to check car insurance prices on a regular basis because prices go up and down regularly. Even if you think you had the lowest price on Audi TT insurance in Columbus a few years ago there may be better deals available now. There is a lot of bad advice regarding TT insurance online but in just a couple of minutes you can learn the easiest ways to lower your car insurance rates in Columbus.

Getting a more affordable price on insurance is a great way to save money. The only thing you need to do is spend a few minutes on the computer comparing free Columbus car insurance quotes to see which company has affordable Audi TT insurance quotes.

The companies in the list below can provide quotes in Columbus, OH. If several companies are displayed, we recommend you compare several of them to get the best price comparison.

Take policy discounts and save on Audi TT insurance in Columbus

Companies don’t always publicize the entire discount list very well, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you may qualify for.

• Columbus Homeowners Discount – Just being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Professional Memberships – Being in a civic or occupational organization in Columbus is a good way to get lower rates on your policy.
• Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
• No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and GEICO will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to the accident.
• Telematics Data – People who choose to allow their insurance company to track when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if their driving habits are good.
• Discount for Multiple Policies – If you can combine your auto and homeowners policy with the same insurance company you will save over 10 percent off each policy depending on the company.
• Low Mileage Discounts – Driving less could qualify for discounted prices on garaged vehicles.
• Discount for Life Insurance – Select companies reward you with lower premium rates if you buy life insurance.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.

The diagram below compares Audi TT insurance costs with and without discounts applied. The information is based on a male driver, no claims or violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, homeowner, marriage, and claim-free discounts applied.

A list of companies and a partial list of their discounts are included below.

• 21st Century has savings for good student, anti-lock brakes, homeowners, early bird, and student driver.
• State Farm may have discounts that include good driver, Drive Safe & Save, driver’s education, safe vehicle, multiple policy, and multiple autos.
• AAA may offer discounts for pay-in-full, AAA membership discount, good student, multi-policy, anti-theft, and multi-car.
• Liberty Mutual policyholders can earn discounts including multi-policy, newly retired, newly married, teen driver discount, exclusive group savings, and preferred payment discount.
• Progressive offers discounts for continuous coverage, multi-policy, homeowner, online quote discount, good student, and multi-vehicle.

When getting a coverage quote, ask all the companies to apply every possible discount. All car insurance discounts might not be available to policyholders in Columbus. For a list of companies with discount rates in Ohio, click here to view.

Insurance coverage details

The premium table displayed next outlines detailed analysis of insurance coverage prices for Audi TT models. Learning as much as possible about how insurance policy rates are established can help drivers make smart choices when selecting a coverage provider.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in garaging location in Columbus which can influence auto insurance rates significantly.

Policy deductible comparison

One frequently asked question is the level to set your comp and collision deductibles. The rates shown below can help you understand the difference in cost when you choose different physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific garaging location which can increase or decrease auto insurance rates noticeably.

Based on these figures, using a $250 deductible costs about $24 more each month or $288 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 31 months between claims, you would come out ahead by selecting a higher deductible.

Male drivers compared to female drivers in Columbus

The illustration below illustrates the difference between Audi TT premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Audi TT liability-only versus full coverage

The diagram below illustrates the difference between Audi TT insurance rates with full physical damage coverage and with liability coverage only. The information is based on no claims or violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Are you wasting money on full coverage?

There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Audi TT replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

The Audi TT Insurance Cost Equation

It’s important that you understand the factors that play a part in calculating your car insurance rates. When you understand what determines premiums, this allows you to make good choices that may result in better car insurance rates.

Drive fewer miles and save – The more you drive every year the more you’ll pay to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than those used for commuting. An incorrectly rated TT can result in significantly higher rates. Verify your declarations sheet states the correct usage.

Better rates on vehicles with better crash test results – Vehicles with high crash test scores cost less to insure. These vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts which can result in lower premiums. If the Audi TT has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

GPS tracking and theft deterrents lower car insurance rates – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.

Extra policy coverages can add up – There are a lot of add-on coverages you can purchase if you aren’t diligent. Insurance for coverage for rental cars, death and dismemberment, and additional equipment coverage may be wasting your money. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.

Costs and your address – Being located in less populated areas of the country has it’s advantages when talking about car insurance. Fewer people means fewer accidents in addition to lower liability claims. People who live in big cities regularly have more road rage incidents and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.

Audi TT claim statistics – Insurance companies use statistical claims data when they calculate premium prices for each model. Vehicles that have higher claim amounts or frequency will cost more to insure. The table below shows the insurance loss data used by companies for Audi TT vehicles.

For each coverage category, the claim amount for all vehicles, without regard to make or model, is set at 100. Numbers below 100 suggest losses that are better than average, while percentage numbers above 100 indicate more frequent losses or a tendency for claims to be larger.

Local Columbus insurance agents and insurance

A small number of people prefer to buy from a local agent and that can be a smart move Most agents can point out coverage gaps and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain the lowest rates but also keep your business local. And providing support for local insurance agencies is important especially in Columbus.

To make it easy to find an agent, after completing this simple form, your coverage information is sent to local insurance agents in Columbus who want to provide quotes to get your business. It makes it easy because there is no need to drive around since rate quotes are delivered directly to you. If you want to compare prices from a specific insurance company, don’t hesitate to jump over to their website and give them your coverage information.

If you prefer to buy insurance from a local Columbus insurance agent, you should know the different types of agents and how they operate. Columbus agents are considered either independent agents or exclusive agents depending on their employer. Either can sell affordable insurance policies, but we need to point out why they differ since it can affect the type of agent you choose.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company so they can write business through many companies and find you cheaper rates. To move your coverage to a new company, your agent can switch companies which makes it simple for you. When shopping rates, it’s a good idea to include a few independent agents so that you have a good selection of quotes to compare. Many can place coverage with mutual insurance companies that may have much lower rates than larger companies.

Below is a list of independent agencies in Columbus who may be able to give you free price quotes.

• Nationwide Insurance: Glenn R Williams
  2930 N High St – Columbus, OH 43202 – (614) 268-3567 – View Map
• Associated Insurance Agency – Pickerington
  12927 Stonecreek Dr – Pickerington, OH 43147 – (614) 866-6060 – View Map
• Henderson Insurance Inc
  3620 N High St #105 – Columbus, OH 43214 – (614) 884-0970 – View Map

More insurance agents

Exclusive Insurance Agents

These type of agents have only one company to place business with such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates. Consumers sometimes purchase coverage from exclusives primarily because of high brand loyalty and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agencies in Columbus who can help you get rate quotes.

• Larry Noll – State Farm Insurance Agent
  2648 Billingsley Rd – Columbus, OH 43235 – (614) 889-1156 – View Map
• Ray Cook – State Farm Insurance Agent
  7846 Olentangy River Rd – Columbus, OH 43235 – (614) 846-2886 – View Map
• Bud Kulp – State Farm Insurance Agent
  1707 Bethel Rd – Columbus, OH 43220 – (614) 459-2424 – View Map

More insurance agents

Picking an insurance agency requires you to look at more than just a low price. A good agent in Columbus will have answers to these questions.

• Does the company use OEM repair parts?
• Do they prorate repair cost based on vehicle mileage?
• Can glass claims be handled at your home?
• Is the agent and/or agency licensed to do business in Ohio?
• Are they able to provide referrals?
• What insurance companies do they work with in Columbus?

Upon getting positive responses to your questions as well as a price you’re happy with, you’ve probably found an insurance agency that can be trusted to insure your vehicles. It’s important to know that you are entitled to terminate your policy at any time so never feel that you’re stuck with any particular company for the full term.

How much can you save?

Insureds switch companies for many reasons like not issuing a premium refund, delays in responding to claim requests, an unsatisfactory settlement offer and even delays in paying claims. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Lower-priced auto insurance in Columbus can be found both online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and many times these regional carriers prefer to sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to lower your Audi TT insurance premium rates in Columbus. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best premium rates are with a lesser-known regional company.

How to buy affordable Audi TT insurance in Columbus

It takes a few minutes, but the best way to quote cheaper auto insurance rates is to compare quotes once a year from different companies who sell auto insurance in Columbus. Price quotes can be compared by following these steps.

1. Try to learn a little about what coverages are included in your policy and the measures you can control to prevent high rates. Many factors that are responsible for high rates like accidents, traffic tickets, and a bad credit score can be eliminated by improving your driving habits or financial responsibility.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies.
3. Compare the new rate quotes to your existing rates and see if you can save money. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide written notification to your current company of your intention to cancel your existing policy. Submit the completed application along with a down payment to the new company. Once received, place your new proof of insurance paperwork in an easily accessible location in your vehicle.

A tip to remember is to try to compare identical coverage information on every price quote and and to look at every insurance company. Doing this provides an apples-to-apples comparison and and a good selection of different prices.

More information is available on the following sites:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Who Has Affordable Auto Insurance for a Kia Optima in Columbus? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)