How to Save on Pittsburgh Audi TT Insurance

Anyone knows that car insurance companies want to keep you from comparing rates. Consumers who shop around will presumably buy a new policy because there is a good chance of finding lower prices. A recent survey revealed that people who routinely compared rates saved on average $3,450 over four years compared to people who don’t regularly compare prices.

If finding the cheapest rates on insurance in Pittsburgh is the reason for your visit, learning the best ways to shop for auto insurance can help you succeed in finding affordable rates.

If saving money is your primary concern, then the best way to find more affordable Audi TT insurance is to start comparing prices regularly from providers that insure vehicles in Pittsburgh.

1. Try to understand how companies set rates and the measures you can take to keep rates down. Many rating factors that cause rate increases like careless driving and an unacceptable credit score can be rectified by making minor driving habit or lifestyle changes.
2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide prices from multiple companies.
3. Compare the new quotes to the price on your current policy to see if cheaper TT coverage is available. If you can save money and decide to switch, verify that coverage does not lapse between policies.
4. Notify your company or agent of your decision to cancel your current coverage. Submit a signed application and payment for your new policy. As soon as you receive it, safely store the proof of insurance certificate in your vehicle.

An essential thing to point out is to use the same amount of coverage on each price quote and and to get price quotes from every insurance company. This helps ensure an apples-to-apples comparison and the best price quote selection.

Low Cost companies for Audi TT insurance

The following companies have been selected to offer free quotes in Pennsylvania. If you want cheap auto insurance in Pittsburgh, we recommend you visit as many as you can to get the most competitive price.

Insurance rate breakdown

The table shown next covers a range of insurance coverage prices for Audi TT models. Having a good understanding how insurance premiums are established is important for making smart choices when buying a car insurance policy.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific Pittsburgh garaging location which can revise premiums significantly.

Physical damage deductibles

A question often asked by Pittsburgh drivers is which deductibles should you choose. The rates below highlight the differences in premium rates when you select higher and lower physical damage deductibles. The first set of rates uses a $250 deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in zip code location which can revise prices noticeably.

Based on these figures, using a $250 deductible could cost the average driver approximately $18 more each month or $216 annually averaged for all TT models than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 14 months between claims, you would probably be better off if you decide on a higher deductible. The numbers below show an example of how you can do this calculation yourself.

Full coverage rates vs. liability-only in Pittsburgh

The information below shows the comparison of Audi TT insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

Deciding between full coverage and liability only

There isn’t a steadfast formula for dropping full coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Audi TT replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the policy deductible has been paid. If premiums are more than $700 a year to have full coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Learn How to Lower Your Insurance Prices

Lots of factors are considered when pricing auto insurance. Some are obvious such as your driving history, but other criteria are more transparent like where you live or your financial responsibility. A large part of saving on car insurance is knowing some of the factors that play a part in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in much lower annual insurance costs.

• Discounts for married couples – Your spouse can get you a discount on car insurance. It demonstrates that you tend to be more responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Why do you need liability protection? – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages caused by your negligence. This coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Add-on coverages can cost a lot – There are a ton of additional coverages that you can get tricked into buying on your TT policy. Coverage for things like roadside assistance, towing, and extra equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so remove them and pocket the money.

• Youthful drivers are expensive to insure – Older drivers are viewed as being more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Youthful drivers are proven to be more careless in a vehicle therefore car insurance rates are much higher.

  The next chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Vehicles with better crash test results lower prices – Safer cars cost less to insure. Safe vehicles have better occupant injury protection and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates.
• The higher your credit rating the lower your rates – Credit score is likely to be a major factor in determining premium rates. So if your credit is lower than you’d like, you could save money insuring your Audi TT if you clean up your credit. Insureds with excellent credit scores tend to be better risks to insure than drivers with bad credit.
• Pleasure use saves money – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those that get driven frequently. Having the wrong rating on your TT may be costing you. Verify your policy states the correct driver usage, because it can save money.
• Do you work long hours in a high stress occupation? – Did you know your occupation can influence how much you pay for car insurance? Careers such as fire fighters, police officers, and accountants tend to have higher premiums than the average policyholder due to intense work requirements and lengthy work days. Conversely, careers such as farmers, historians and the unemployed receive lower rates.

• Audi TT insurance loss data – Companies factor in insurance loss information when determining insurance rates. Models that are shown to have higher loss trends will have a higher cost to insure.

  The information below illustrates the insurance loss data used by companies for Audi TT vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is set at 100. Values that are below 100 suggest losses that are better than average, while numbers above 100 indicate higher probability of having a loss or tendency to have higher losses.

  
  

  Audi TT Insurance Loss Statistics

  Vehicle 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
  Statistics from IIHS.org for 2013-2015 Model Years

Companies offer many discounts on Audi TT insurance in Pittsburgh

Not many people think insurance is cheap, but you might already qualify for some discounts that may help make it more affordable. Many discounts should be triggered at the time of quoting, but once in a while a discount must be specially asked for prior to getting the savings.

• No Charge for an Accident – This one isn’t a discount, but certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
• 55 and Retired – Drivers that qualify as senior citizens are able to get a slight reduction on a Pittsburgh auto insurance quote.
• Discount for Swiching Early – A few larger companies give discounts for renewing your policy before your current expiration date. It could save around 10% when you buy Pittsburgh auto insurance online.
• Own a Home and Save – Just being a homeowner can get you a discount because owning a home is proof that your finances are in order.
• Discounts for Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their Pittsburgh auto insurance quote compared to accident prone drivers.
• Active Service Discounts – Being deployed with a military unit can result in better prices.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the personal injury premium cost.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total TT insurance premium.
• Multiple Vehicles – Buying a policy with multiple vehicles on a single policy can get a discount for every vehicle.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will cut your policy cost.

The chart below visualizes the comparison of Audi TT insurance rates with and without discounts applied to the premium. Data assumes a male driver, no claims or driving violations, Pennsylvania 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 homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.

To choose insurance companies that can offer you the previously mentioned discounts in Pittsburgh, follow this link.

Auto insurance quotes from local neighborhood Pittsburgh car insurance agents

Many people just want to have an agent’s advice and that is a personal choice. Most agents are trained risk managers and help in the event of a claim. One of the benefits of getting online price quotes is you may find the best rates but also keep your business local. Buying insurance from local insurance agencies is definitely important in Pittsburgh.

By using this quick form, the coverage information gets sent to insurance agents in Pittsburgh who will return price quotes for your business. You won’t even need to search for an agent due to the fact that quote results will go to the email address you provide. In the event you want to compare prices from a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.

If you are wanting to find a good Pittsburgh insurance agent, there are a couple of different types of agents from which to choose. Auto insurance agencies can be categorized as either independent or exclusive depending on the company they work for. Both write policy coverage, but it’s important to point out why they differ because it can influence which type of agent you select.

Independent Agencies or Brokers

These agents can sell policies from many different companies so as a result can place your coverage amongst many companies and find you the best rates. If your agent finds better pricing, they simply move your policy to a different company without you having to go to a different agency. When comparison shopping, we highly recommend that you contact at a minimum one independent agency to maximize your price options.

Featured below is a short list of independent insurance agents in Pittsburgh that may be able to give cheap rate quotes.

View more Pittsburgh agents

Exclusive Insurance Agents

Exclusive insurance agents can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. These agents are trained well on their company’s products which can be an advantage.

Shown below is a list of exclusive insurance agents in Pittsburgh that can give you comparison quotes.

View more Pittsburgh agents

Picking the best insurance agency requires more thought than just a low price. Get answers to these questions too.

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are they involved in claim handling?
• How would your car be valued if totaled?
• Are they paid to recommend certain coverages?
• Do the companies they represent have a solid financial rating?
• How much can you save by raising your physical damage deductibles?
• Are you getting all the discounts the company offers?
• Do they have 24-hour customer assistance?

Pittsburgh auto insurance company ratings

Choosing the highest-rated car insurance company can be difficult considering how many companies provide coverage in Pittsburgh. The ranking information in the next section can help you analyze which insurers to look at comparing prices from.

Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Pittsburgh Car Insurance Companies Overall

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

What is YOUR best insurance company?

We just covered quite a bit of information on how to reduce Audi TT insurance rates online in Pittsburgh. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier. These companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

Cheaper Audi TT insurance in Pittsburgh can be bought from both online companies and with local Pittsburgh insurance agents, so get free Pittsburgh auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not offer the ability to get quotes online and many times these regional insurance providers only sell coverage through independent insurance agencies.

To read more, take a look at these articles:

• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• How Much are Car Insurance Quotes for Good Drivers in Pittsburgh? (FAQ)
• How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
• Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
• Who Has the Cheapest Pittsburgh Auto Insurance for Nurses? (FAQ)
• Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Red Light Cameras (State Farm)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Eight Auto Insurance Myths (Insurance Information Institute)