How many times have you told yourself it's time to shop around for cheaper Audi TT RS insurance in Philadelphia? Having to pay for overpriced Audi TT RS insurance in Philadelphia can draw down your family's budget, especially in this economy. Getting a rate comparison can help to lower your bills every month.
It's an obvious conclusion that car insurance companies don't want you shop around. Drivers who get price comparisons are likely to switch to a new company because there is a significant possibility of finding good coverage at a lower price. A recent study showed that consumers who compared prices once a year saved $3,500 over four years compared to drivers who never compared other company's rates.
If finding the cheapest rates on car insurance is why you're here, then knowing the best way to quote and compare coverage rates can save time and make the process easier. Due to the large number of different company options, it's difficult to pick the most affordable company.
Choosing the most cost-effective auto insurance policy in Philadelphia can be much easier if you know how to start. If you have a policy now or just want a better rate, you can use these tips to shop for the lowest rates while maintaining coverages. Shoppers only have to learn the quickest method to compare rates online.
Buy Philadelphia Audi TT RS insurance online
Getting a cheaper price on insurance is actually quite simple. You just need to take time getting comparison quotes provided by online insurance companies.
Online shopping is fast and free, and it makes it obsolete to spend time driving to all the different Philadelphia insurance agencies. Comparing Audi TT RS insurance rates online eliminates the need for an insurance agent unless you have a complicated situation and need the personal advice that only an agent can give. Although, it is possible get the lowest quotes online but have a local agent actually write the policy.
The companies shown below can provide quotes in Pennsylvania. If multiple companies are shown, we suggest you get rates from several of them to find the most competitive auto insurance rates.
Three reasons to insure your vehicle
Despite the high cost, auto insurance is required for several reasons.
First, most states have mandatory liability insurance requirements which means state laws require specific limits of liability if you want to drive legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, most banks will have a requirement that you have comprehensive coverage to guarantee loan repayment. If the policy lapses, the bank or lender will purchase a policy for your Audi at a more expensive rate and require you to pay much more than you were paying before.
Third, insurance protects both your Audi and your personal assets. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so you should quote and compare rates each time the policy renews to ensure rates are competitive.
Find Audi TT RS Insurance More Affordably
It's important that you understand some of the elements that play a part in calculating the level of your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that could result in lower rates. Lots of things are considered when you get a price on insurance. Some are pretty understandable like an MVR report, but some are not as apparent like your vehicle usage or your financial responsibility.
Extra coverages that aren't used - There are a lot of extra add-on coverages that may not really be needed if you aren't careful. Coverage for things like rental car reimbursement, high-cost glass coverage, and additional equipment coverage may be wasting your money. The coverages may be enticing initially, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
No insurance claims equals cheaper car insurance rates - Insurance companies in Pennsylvania provide better rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Your car insurance is intended to be relied upon for claims that pose a financial burden.
Having a spouse can lower prices - Having a significant other can actually save you money on car insurance. Marriage demonstrates that you tend to be more mature and statistics prove drivers who are married file infrequent claims.
Vehicle theft costs us all - Owning a car with advanced anti-theft systems can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
Gender is a factor - Over time, data shows that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men cause fender benders at a similar rate, but the male of the species have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving.
Discounts mean cheaper rates for Audi TT RS insurance in Philadelphia
Insurance can be prohibitively expensive, but you might find some hidden discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but some discounts are required to be inquired about before you get the savings.
- Buy New and Save - Putting insurance coverage on a new TT RS can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- ABS and Traction Control Discounts - Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more on TT RS insurance in Philadelphia.
- Senior Citizen Discount - Mature drivers are able to get lower premium rates.
- Pay Now and Pay Less - By making one initial payment rather than paying monthly you could save up to 5%.
- Defensive Driver Discount - Successfully completing a defensive driving course could cut 5% off your bill and make you a better driver.
A quick disclaimer, some credits don't apply to the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you're out of luck.
Larger insurance companies and a selection of discounts are shown below.
- GEICO has discounts for military active duty, daytime running lights, defensive driver, anti-theft, and anti-lock brakes.
- Auto-Owners Insurance offers premium reductions for paperless, company car, multi-policy, student away at school, group or association, and good student.
- American Family has savings for good student, TimeAway discount, air bags, mySafetyValet, bundled insurance, multi-vehicle, and accident-free.
- Esurance discounts include multi-car, homeowner, renters, anti-lock brakes, emergency road assistance, and good student.
- Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, multi-policy, continuous coverage, homeowner, and online quote discount.
- State Farm offers discounts for Drive Safe & Save, anti-theft, good driver, passive restraint, and multiple policy.
- AAA includes discounts for good driver, pay-in-full, multi-policy, multi-car, AAA membership discount, and good student.
If you want affordable Audi TT RS insurance quotes, ask all the companies which discounts they offer. Some discounts may not apply everywhere. To choose companies with discount insurance rates in Philadelphia, click this link.
When in doubt talk to an agent
When selecting coverage online or from an agent for your vehicles, there is no one-size-fits-all type of policy. Each situation is unique.
Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.
- What are good deductibles for a Audi TT RS?
- What does medical payments coverage do?
- Is my camper covered by my car insurance policy?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Why am I required to get a high-risk car insurance policy?
- Is my Audi TT RS covered if I use it for business?
If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Local Philadelphia insurance agents
Many drivers would rather buy from a licensed agent and that can be a smart move Agents will help you protect your assets and help you file claims. One of the great benefits of comparing insurance prices online is you may find cheap rate quotes and still choose a local agent.
To make it easy to find an agent, after completing this simple form, the coverage information is instantly submitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. You won't need to find an agent because prices are sent to your email. If you want to get a price quote from a specific auto insurance provider, you just need to navigate to their website and complete a quote there.
Choosing an company is decision based upon more than just the bottom line cost. These are some questions your agent should answer.
- Are they involved in claim handling?
- Does the agent have a valid license to sell insurance in Pennsylvania?
- How will an accident affect your rates?
- Is the agency active in community causes in Philadelphia?
- Will their companies depreciate repairs to your car based on the mileage?
If you need to find a reliable insurance agent, it helps to know the two types of agencies and how they function. Agents are categorized either exclusive or independent (non-exclusive). Both properly insure your vehicles, but it is a good idea to know the subtle differences because it can impact buying decisions.
Exclusive Auto Insurance Agents
Agents in the exclusive channel can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide other company's prices so keep that in mind. Exclusive agencies are highly trained on sales techniques and that allows them to sell at a higher price point.
Shown below are Philadelphia exclusive insurance agencies who may provide you with comparison quotes.
Independent Auto Insurance Agencies
Agents of this type are not locked into one company and that allows them to write policies with many different companies and find you the best rates. If premiums increase, the agent simply finds a different carrier and that require little work on your part. When comparing rates, it's a good idea to get quotes from several independent insurance agents to ensure the widest selection of prices.
The following are Philadelphia independent insurance agencies who can help you get price quote information.
Quote. Compare. Save.
Some insurance providers do not offer rates over the internet and many times these smaller providers only sell coverage through local independent agencies. Low-cost Audi TT RS insurance in Philadelphia can be sourced from both online companies in addition to many Philadelphia insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.
When getting Philadelphia auto insurance quotes online, it's not a good idea to buy poor coverage just to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
We just covered many ways to lower your Audi TT RS insurance prices in Philadelphia. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.
For more information, feel free to visit the following helpful articles:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Car Insurance Rates for Good Students in Philadelphia? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Male in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Rates for a Honda Accord in Philadelphia? (FAQ)
- Think You're a Safe Driver? (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)