How long have you put off shopping around for the cheapest Audi TT insurance in Philadelphia? Finding low cost rates for Audi TT insurance in Philadelphia can seem to be very difficult for drivers who have little experience comparison shopping online. People have so many choices that it can easily be a real challenge to find the best rates.
It’s shocking but most insurance policyholders renewed their policy with the same company for more than four years, and virtually 40% of consumers have never shopped around. Most drivers in Pennsylvania can save up to $686 each year just by getting comparison quotes, but they won’t spend time to do a rate comparison.
Auto insurance policy discounts you can’t miss
Auto insurance is easily one of your largest bills, but you can get discounts that can dramatically reduce your bill. A few discounts will be applied when you get a quote, but a few must be inquired about in order for you to get them.
- Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote Philadelphia auto insurance but check with your company.
- Pay Early and Save – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
- Bundle and Save – When you have multiple policies with the same company you will save up to 20% off your total TT insurance premium.
- Discount for Good Grades – Being a good student can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
- Senior Citizens – Seniors are able to get a discount up to 10%.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- New Vehicle Savings – Adding a new car to your policy may earn a small discount due to better safety requirements for newer models.
- No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
- Life Insurance Discount – Companies who offer life insurance give a discounted auto insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, that’s just not realistic.
The illustration below shows the comparison of Audi TT yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-car, and multi-policy discounts applied.
Large auto insurance companies and their offered discounts can be read below.
- Farmers Insurance policyholders can earn discounts including business and professional, switch companies, alternative fuel, early shopping, electronic funds transfer, and multi-car.
- Esurance discounts include multi-car, defensive driver, paid-in-full, safety device, and multi-policy.
- State Farm has savings for good driver, safe vehicle, student away at school, driver’s education, and multiple autos.
- GEICO offers discounts for good student, defensive driver, multi-policy, seat belt use, and anti-lock brakes.
- Allstate may offer discounts for anti-lock brakes, eSmart discount, senior citizen, defensive driver, and premier discount.
It’s a good idea to ask every company the best way to save money. Some discounts may not apply to policyholders in Philadelphia. For a list of insurance companies with discount auto insurance rates in Pennsylvania, click here.
Just keep in mind that comparing more quotes will increase your chances of finding more affordable rates. Some companies don’t provide Philadelphia TT insurance quotes online, so it’s important to also get prices from those companies as well.
The auto insurance companies shown below offer price comparisons in Pennsylvania. If multiple companies are listed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Rates and detailed analysis
The data table below outlines different insurance coverage prices for Audi TT models. Having a better idea how rate quotes are established can benefit drivers when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $314 | $668 | $398 | $24 | $120 | $1,524 | $127 |
| TT 2.0T Quattro 2-Dr Coupe | $314 | $668 | $398 | $24 | $120 | $1,524 | $127 |
| TT 2.0T Quattro 2-Dr Coupe | $314 | $668 | $398 | $24 | $120 | $1,524 | $127 |
| TT S 2.0T Quattro 2-Dr Coupe | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT 2.0T Quattro 2-Dr Roadster | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT 2.0T Quattro 2-Dr Roadster | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT S 2.0T Quattro 2-Dr Coupe | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT S 2.0T Quattro 2-Dr Roadster | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT 2.0T Quattro 2-Dr Roadster | $346 | $756 | $398 | $24 | $120 | $1,644 | $137 |
| TT S 2.0T Quattro 2-Dr Roadster | $378 | $844 | $398 | $24 | $120 | $1,764 | $147 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can affect coverage prices noticeably.
Full coverage rates compared to liability-only
The example below illustrates the difference between Audi TT premium costs with liability coverage only compared to full coverage. The data assumes no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.
When to drop comp and collision
There is no specific rule of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Audi TT book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying over $800 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some circumstances where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Informed Consumers Can Lower Their Insurance Prices
A large part of saving on auto insurance is knowing some of the factors that help calculate your auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make good choices that may reward you with better auto insurance rates. Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are more obscure like your vehicle usage or your commute time.
- Alarms and GPS tracking lower auto insurance rates – Selecting a car model with anti-theft technology or alarm system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Limits of liability protection – Your policy’s liability coverage will provide protection when you are found liable for causing damage or personal injury in an accident. This coverage provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
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Which gender costs less? – The statistics show women are more cautious behind the wheel. It does not mean females are better drivers. Women and men cause at-fault accidents at a similar rate, but men cause more damage. Men also statistically get ticketed for serious violations like DWI (DUI) or reckless driving. Male teenagers are most likely to cause an accident so it costs more to insure them.
The diagram below compares Audi TT premium costs for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are factored in.
- Know your credit history – Having a bad credit history is a large factor in determining your rates. So if your credit score is low, you could be paying less to insure your Audi TT by improving your credit score. Drivers with excellent credit scores tend to file fewer claims than drivers with worse credit.
- Do you know your physical damage deductibles? – Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, collision with a deer, and having a roll-over accident. The larger the amount you have to pay, the less your company will charge you for insurance.
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Tickets can increase prices – Just one citation can increase the cost of insurance substantially. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Drivers who have license-revoking citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
The chart below demonstrates how traffic citations and at-fault fender-benders can influence Audi TT annual premium costs for different age groups. The rate quotes are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
- Insurance rates for married couples – Having a spouse may save some money when shopping for auto insurance. It means you’re more mature and statistics show married drivers tend to file fewer claims.
- Do safer cars cost less to insure? – Safer cars cost less to insure. Vehicles built for safety reduce injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If the Audi TT scored better than four stars on Safercar.gov you may be receiving a better rate.
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Insurance loss statistics an Audi TT – Insurance companies analyze past claim statistics to calculate a price that will offset any claims. Vehicles that the data shows to have higher claim frequency or loss amount will have a higher cost to insure.
The data below shows the historical insurance loss data for Audi TT vehicles. For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is considered to be 100. Percentage values below 100 represent a good loss history, while percentages above 100 indicate more frequent claims or larger claims.
Car Insurance Loss Data for Audi TT Models Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi TT 2dr 4WD 168 111 Audi TTS 2dr 4WD 141 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Which is the best car insurance?
Always remember that when buying proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions can aid in determining whether or not you might need an agent’s assistance.
- Where can I find high-risk insurance?
- How do I insure my teen driver?
- Does my policy pay for OEM or aftermarket parts?
- Are combined or split liability limits better?
- Is motorclub coverage worth it?
- Can I cancel at any time?
- Does my Audi TT qualify for pleasure use?
- Do I need PIP (personal injury protection) coverage in Pennsylvania?
- Should I carry comprehensive and collision coverage?
- Should I waive the damage coverage when renting a car?
If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Auto insurance agents are professional risk managers
Some consumers would prefer to sit down and talk to an agent and that is a personal choice. One of the best bonuses of getting free rate quotes online is that drivers can save money and get the lowest rates and still have a local agent. And buying from neighborhood insurance agencies is important especially in Philadelphia.
After completing this form (opens in new window), the coverage information is sent to local insurance agents who will give you bids for your business. You won’t need to contact an agency because quoted prices will be sent to your email. You’ll get the best rates without a big time investment. If you need to get a rate quote from a specific car insurance provider, you can always navigate to their website and fill out the quote form the provide.
If you’re trying to find a good Philadelphia insurance agent, it’s important to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Philadelphia are classified as either independent (non-exclusive) or exclusive.
Independent Agencies or Brokers
These agents are not limited to a single company and that allows them to write policies amongst many companies enabling the ability to shop coverage around. If they find a lower price, they simply switch companies in-house without you having to go to a different agency.
If you are comparing rate quotes, it’s a good idea to check rates from at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with small regional insurance companies which can save you money.
Shown below is a list of independent insurance agents in Philadelphia who may provide pricing information.
- Accu Insurance Agency
7010 Elmwood Ave – Philadelphia, PA 19142 – (215) 726-0270 – View Map - Kowalewski Jawork Insurance Agency Inc
706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map - Crossing Insurance Group
4252 Richmond St – Philadelphia, PA 19137 – (215) 321-4990 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates like Allstate, State Farm and Farmers Insurance. They usually cannot provide other company’s prices so keep that in mind. Exclusive agencies are usually well trained on their products and sales techniques which helps them sell on service rather than price. Consumers often purchase coverage from exclusives mostly because of the prominent brand name rather than low rates.
Listed below is a list of exclusive insurance agents in Philadelphia who can help you get price quotes.
- State Farm – Adam Hutcheon
1436 Fairmount Ave – Philadelphia, PA 19130 – (215) 765-2686 – View Map - Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map - Mike Hickey – State Farm Insurance Agent
86 Bethlehem Pike – Philadelphia, PA 19118 – (215) 753-1501 – View Map
Picking the best car insurance agent should depend on more than just a cheap price quote. Any agent in Philadelphia should be forthright in answering these questions:
- Will the company cover a rental car if your car is getting fixed?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they primarily personal or commercial lines agents in Philadelphia?
- Will you work with the agent or an assistant?
- Which companies do they recommend if they are an independent agency?
Upon receiving answers to your satisfaction to any questions you have as well as a affordable price, it’s possible that you found an insurance agent that meets the criteria to adequately provide car insurance.
Protect your TT and other assets
Despite the high cost, buying insurance is a good idea for several reasons.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to be legal. 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.
- If you have a lien on your TT, most lenders will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Audi at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your car but also your financial assets. It will also provide coverage for medical bills incurred in an accident. Liability insurance will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, especially if you ever need it. The average driver in Pennsylvania is overpaying more than $750 every year so shop around every year to be sure current rates are still competitive.
Frequent quotes can save
Lower-priced insurance in Philadelphia is definitely available from both online companies in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and most of the time these smaller providers prefer to sell through independent agents.
In this article, we presented a lot of ways to compare Audi TT insurance car insurance rates in Philadelphia. The most important thing to understand is the more you quote Philadelphia auto insurance, the higher the chance of saving money. Drivers may even discover the best price on insurance is with a smaller regional carrier. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm and Allstate.
When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best cost and still be able to protect your assets.
To learn more, link through to the resources below:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has the Cheapest Philadelphia Auto Insurance Rates for Ride Shares? (FAQ)
- Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
- How Much are Car Insurance Quotes for Drivers with a DUI in Philadelphia? (FAQ)
- Who Has Cheap Philadelphia Car Insurance Quotes for Drivers Under 21? (FAQ)
- How Much are Car Insurance Quotes for a Dodge Journey in Philadelphia? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Older Driver Statistics (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)