Cheapest Audi TT Insurance in Plano

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Discount Audi TT insuranceWould you like to find low-cost car insurance rates in Plano, TX? Plano drivers have many options when trying to find low-cost Audi TT insurance. You can either spend your time driving around getting price quotes or utilize the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to price shop coverage on a Audi and obtain the lowest possible price.

The purpose of this post is to help educate you on the most effective ways to compare rates and some tricks to saving. If you currently have insurance, you will definitely be able to get lower rates using this information. Consumers just have to understand the least time-consuming way to compare prices from multiple carriers.

Companies offering Audi TT insurance in Plano

The companies shown below are our best choices to provide price quotes in Texas. To find cheaper car insurance in Texas, we recommend you get rate quotes from several of them to get the lowest price.

Rates and information analytics

The premium table shown next outlines a range of insurance rates for Audi TT models. Being aware of how insurance prices are figured helps drivers make decisions when shopping around.

Audi TT Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $300 $542 $382 $22 $114 $1,360 $113
TT 2.0T Quattro 2-Dr Coupe $300 $542 $382 $22 $114 $1,360 $113
TT 2.0T Quattro 2-Dr Coupe $300 $542 $382 $22 $114 $1,360 $113
TT S 2.0T Quattro 2-Dr Coupe $332 $614 $382 $22 $114 $1,464 $122
TT 2.0T Quattro 2-Dr Roadster $332 $614 $382 $22 $114 $1,464 $122
TT 2.0T Quattro 2-Dr Roadster $332 $614 $382 $22 $114 $1,464 $122
TT S 2.0T Quattro 2-Dr Coupe $332 $614 $382 $22 $114 $1,464 $122
TT S 2.0T Quattro 2-Dr Roadster $332 $614 $382 $22 $114 $1,464 $122
TT 2.0T Quattro 2-Dr Roadster $332 $614 $382 $22 $114 $1,464 $122
TT S 2.0T Quattro 2-Dr Roadster $362 $686 $382 $22 $114 $1,566 $131
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in Plano location which can decrease or increase coverage rates greatly.

How high should deductibles be?

A question often asked by Plano drivers is which comprehensive and collision deductibles to buy. The tables below lay out the rate difference when you select higher and lower policy deductibles. The first rate estimation uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Audi TT insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $370 $672 $382 $22 $114 $1,585 $132
TT 2.0T Quattro 2-Dr Coupe $370 $672 $382 $22 $114 $1,585 $132
TT 2.0T Quattro 2-Dr Coupe $370 $672 $382 $22 $114 $1,585 $132
TT S 2.0T Quattro 2-Dr Coupe $408 $762 $382 $22 $114 $1,713 $143
TT 2.0T Quattro 2-Dr Roadster $408 $762 $382 $22 $114 $1,713 $143
TT 2.0T Quattro 2-Dr Roadster $408 $762 $382 $22 $114 $1,713 $143
TT S 2.0T Quattro 2-Dr Coupe $408 $762 $382 $22 $114 $1,713 $143
TT S 2.0T Quattro 2-Dr Roadster $408 $762 $382 $22 $114 $1,713 $143
TT 2.0T Quattro 2-Dr Roadster $408 $762 $382 $22 $114 $1,713 $143
TT S 2.0T Quattro 2-Dr Roadster $446 $850 $382 $22 $114 $1,839 $153
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Audi TT insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $228 $424 $382 $22 $114 $1,170 $98
TT 2.0T Quattro 2-Dr Coupe $228 $424 $382 $22 $114 $1,170 $98
TT 2.0T Quattro 2-Dr Coupe $228 $424 $382 $22 $114 $1,170 $98
TT S 2.0T Quattro 2-Dr Coupe $252 $478 $382 $22 $114 $1,248 $104
TT 2.0T Quattro 2-Dr Roadster $252 $478 $382 $22 $114 $1,248 $104
TT 2.0T Quattro 2-Dr Roadster $252 $478 $382 $22 $114 $1,248 $104
TT S 2.0T Quattro 2-Dr Coupe $252 $478 $382 $22 $114 $1,248 $104
TT S 2.0T Quattro 2-Dr Roadster $252 $478 $382 $22 $114 $1,248 $104
TT 2.0T Quattro 2-Dr Roadster $252 $478 $382 $22 $114 $1,248 $104
TT S 2.0T Quattro 2-Dr Roadster $276 $534 $382 $22 $114 $1,328 $111
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in Plano location which can change premium rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $38 more each month or $456 every year averaged for all TT models than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 20 months between claims, you would most likely save money if you choose the higher deductible. The numbers below show how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $141
Average monthly premium for $1,000 deductibles (subtract): - $103
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

The illustration below demonstrates how deductible levels and can raise or lower Audi TT premium costs for different age groups of insureds. The prices are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Does full coverage make sense?

The information below illustrates the difference between Audi TT annual premium costs when comparing full coverage to state minimum liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut rule to eliminate full coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Audi TT claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the deductible is paid. If premium cost is more than $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Get cheaper Audi TT insurance in Plano with discounts

Insurance is not an enjoyable expense, but you can get discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied prior to getting the savings.Discount insurance

  • Theft Prevention System - Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • Military Deployment Discount - Having an actively deployed family member could mean lower rates.
  • Good Grades Discount - Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Mature Driver Discount - Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
  • E-sign Discounts - Certain companies give back up to $50 for buying your policy on their website.

Don't be shocked that some credits don't apply to the whole policy. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free insurance policy, insurance companies aren't that generous. But all discounts will help lower the premium cost.

The illustration below visualizes the comparison of Audi TT insurance prices with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, claim-free, and safe-driver discounts applied.

Auto insurance companies who might offer these discounts are:

When comparing rates, check with every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply in Plano. To view providers who offer insurance discounts in Plano, follow this link.

Why Smart Consumers Pay Less for Audi TT Insurance

An important part of buying insurance is that you know some of the things that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that could help you find big savings.

  • Deter car thieves - Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
  • Having a spouse is a bonus - Getting married helps lower the price when buying auto insurance. Having a significant other demonstrates that you tend to be more mature and responsible and it's proven that married couples file fewer claims.
  • Urban residents pay more - Choosing to live in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Texas cities have much more traffic and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.
  • Keep auto insurance rates low by being claim-free - If you file claims often, you can look forward to either policy cancellation or increased premiums. Insurance companies in Texas provide the best rates to drivers who do not file claims often. Auto insurance is designed for claims that pose a financial burden.
  • Do safer cars cost less to insure? - Cars with five star safety ratings are cheaper to insure. Vehicles built for safety reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Audi TT is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Women tend to cost less - Statistics show women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men tend to get into accidents in similar numbers, but the male of the species have accidents that have higher claims. Not only that, but men also have more aggressive citations like driving under the influence (DUI).

    The information below compares Audi TT insurance rates for male and female drivers. Data assumes no violations or claims, comp and collision included, $500 deductibles, single status, and no discounts are factored in.

  • Costs impacted by vehicle usage - Driving a lot of miles in a year's time the higher the price you pay to insure it. A lot of companies charge to insure your cars based upon how you use the vehicle. Cars that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Double check that your declarations sheet correctly shows the proper vehicle usage. Having the wrong rating on your TT may be costing you higher rates.
  • Pay more by driving carelessly - Getting just one moving violation may cause rates to rise to the point where it's not affordable. Drivers with clean records get better rates than bad drivers. Drivers unfortunate enough to have careless citations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.

    The example below demonstrates how traffic citations and at-fault claims can increase Audi TT insurance costs for each different age group. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

  • Insurance losses for an Audi TT - Insurers use data from past claims when determining insurance rates. Models that tend to have higher loss trends will have increased rates. The next table illustrates the insurance loss data for Audi TT vehicles.

    For each policy coverage type, the claim probability for all vehicles compiled together is a value of 100. Percentage numbers below 100 suggest a positive loss record, while numbers above 100 show a trend for more claims or an increased chance of a larger loss.

    Car Insurance Loss Data for Audi TT Models
    Make and 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
    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When to get advice from a local insurance agent

A lot of people prefer to get professional advice from a licensed agent. Good agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing rates online is the fact that drivers can get lower premium rates and still choose a local agent. Buying insurance from local insurance agencies is especially important in Plano.

Insurance agents in PlanoBy using this short form, your insurance data is immediately sent to agents in your area who can give free rate quotes for your insurance coverage. There is no need to search for an agent as quotes are delivered to you instantly. If you need to compare prices from a particular provider, just navigate to their website and complete a quote there.

Deciding on an insurer requires you to look at more than just the quoted price. A good agent in Plano will have answers to these questions.

  • Do the companies they represent have a solid financial rating?
  • Is every driver in your family covered?
  • What insurance company do they write the most business with?
  • Will they take your side in the event of a claim?
  • Are you getting all the discounts the company offers?
  • Does the agency have a current Errors and Omissions policy?
  • Will the agent help in case of a claim?

Texas car insurance companies ranked

Selecting the right auto insurance provider is hard considering how many companies are available to choose from in Plano. The rank data shown below could help you analyze which car insurance companies you want to consider purchasing a policy from.

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Do the work, save more money

In this article, we presented a lot of techniques to compare Audi TT insurance rates in Plano. It's most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest rates come from an unexpected company.

Discount Audi TT insurance in Plano can be found online in addition to many Plano insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers do not provide rate quotes online and these smaller providers work with independent agencies.

Insureds switch companies for any number of reasons including policy cancellation, unfair underwriting practices, policy non-renewal or being labeled a high risk driver. It doesn't matter why you want to switch switching companies can be less work than you think.

Steps to buying discount Audi TT insurance in Plano

Truthfully, the best way to get budget Audi TT insurance is to do a yearly price comparison from providers in Plano. You can shop around by following these guidelines.

  1. Try to learn about how auto insurance works and the things you can control to keep rates down. Many rating factors that cause rate increases like careless driving and a poor credit rating can be rectified by being financially responsible and driving safely.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies.
  3. Compare the new quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
  4. Tell your current company to cancel your current coverage. Submit payment along with a signed and completed policy application for the new coverage. Once coverage is bound, place the new certificate verifying coverage in a readily accessible location in your vehicle.

One key aspect when comparing rates is to compare the same coverage limits and deductibles on every quote and and to get rate quotes from as many different insurance providers as possible. This guarantees an accurate price comparison and a complete selection of prices.

Even more information is available at these sites: