Best Insurance for an Audi TT in Denver

Trying to find better insurance prices for an Audi TT in Colorado could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to get price quotes on a Audi and get the best price possible either online or from Denver insurance agents.

The best way to get rate comparisons for Audi TT insurance in Denver is to know the fact most of the larger companies will pay a fee to compare their rates. The only thing you need to do is provide details including if a SR-22 is required, what your job is, whether you have decent credit, and driver details. That information is instantly provided to insurance companies and they provide comparison quotes instantly to find the best rate.

To compare multiple company lower-cost Audi TT insurance rates now, click here and see if a lower rate is available in Denver.

The companies shown below have been selected to offer price quotes in Colorado. If the list has multiple companies, it’s highly recommended you visit as many as you can in order to find the lowest rates.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can increase or decrease premiums noticeably.

Should you raise deductibles?

A question often asked by Denver drivers is the level to set your comp and collision deductibles. The tables below may aid in understanding the rate differences between high and low comp and collision deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in Denver which can increase or decrease premiums greatly.

Based on the data above, we can derive that using a $250 deductible costs roughly $35 more each month or $420 for a full year than selecting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 21 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Why you need insurance for your vehicle

Despite the high cost of buying insurance for a Audi TT in Denver, paying for car insurance may not be optional for several reasons.

• Just about all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you took out a loan on your Audi, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Audi at a significantly higher premium and force you to pay a much higher amount than you were paying before.
• Car insurance protects both your car and your assets. It will also provide coverage for medical bills that are the result of an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.

The benefits of having insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $830 a year so we recommend shopping around once a year at a minimum to ensure rates are inline.

The Audi TT Insurance Premium Equation

It’s important that you understand some of the things that help determine the rates you pay for insurance. When consumers understand what influences your rates, this enables informed choices that may result in lower rates.

Deter theft and pay less – Driving a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.

Safer vehicles means cheaper prices – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and better occupant protection means less claims paid which can result in lower premiums.

Experienced drivers are lower risk – Older drivers tend to be more responsible, statistically cause fewer accidents, and receive fewer citations.Young drivers tend to be careless and easily distracted with other occupants in the car and because of this, their insurance rates are much higher.

Responsible drivers pay the best premiums – Having a clean driving record has a big impact on rates. Only having one moving violation may cause rates to rise substantially. Good drivers pay less for auto insurance than people who have multiple driving citations. Drivers who have gotten careless tickets such as reckless driving or DUI might be required by their state to maintain a SR-22 with their state’s licensing department in order to legally drive.

Rates increase with policy add-ons – Insurance policies have a lot of extra bells and whistles that may not really be needed if you don’t pay attention. Insurance for things like coverage for rental cars, accident forgiveness, and membership fees could be just wasting money. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

High coverage deductibles cost less – Your deductibles represent how much money the insured will be required to pay if a covered claim is submitted. Physical damage coverage, aka comp and collision, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, animal collisions, and having a roll-over accident. The more damage repair cost you’re willing to pay, the less your insurance will be.

Coverage lapses lead to higher insurance rates – Driving with no insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse for non-payment. In addition to paying higher rates, not being able to provide proof of insurance may result in a steep fine or even jail time.

Your employer may affect premiums – Did you know your occupation can influence how much you pay for insurance? Occupations such as military generals, business owners and dentists tend to pay the highest average rates in part from high stress and incredibly demanding work hours. Conversely, professions such as professors, athletes and retirees pay lower than average rates.

Audi TT insurance claim data – Auto insurance companies use claims history to calculate a rate that offsets possible losses. Models that the data determines to have higher prevalence or dollar amount of losses will have increased rates. The table below outlines the collected loss data for Audi TT vehicles.

For each type of coverage, the claim amount for all vehicles compiled together is represented as 100. Percentages below 100 indicate a favorable loss history, while percentage numbers above 100 indicate frequent claims or statistically larger claims.

Cheaper Audi TT insurance quotes in Denver

The cost of insuring your cars can be expensive, but you may be missing some discounts that many people don’t even know exist. Some of these discounts will be visible at the time of purchase, but some must be manually applied before they will apply.

• Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Driver Training Discounts – Participating in a driver safety class could cut 5% off your bill depending on where you live.
• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the PIP or medical payment premium.
• No Accidents – Insureds who avoid accidents and claims can save substantially when compared to accident-prone drivers.
• Government Employee Discount – Active or retired federal employment can earn a discount up to 10% depending on your company.
• Discounts for Good Drivers – Accident-free drivers could pay up to 40% less as compared to drivers with claims.
• Paperless Signup – Some larger companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
• Sign Early and Save – A few insurance companies allow discounts for switching companies before your current coverage expires. This can save 10% or more.
• Save with a New Car – Adding a new car to your policy may earn a small discount due to better safety requirements for new model year vehicles.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, company stockholders wouldn’t be very happy.

A few companies that may have these benefits include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask every company to apply every possible discount. Discounts may not be offered everywhere.

Buying auto insurance from Denver insurance agencies

Certain consumers still like to get advice from a local agent and that is just fine! Good insurance agents can help you build your policy and help submit paperwork. The biggest benefit of getting online price quotes is the fact that drivers can get better rates and still buy from a local agent. Buying from and supporting local insurance agencies is especially important in Denver.

By using this simple form, the coverage information is submitted to companies in Denver that provide free Denver car insurance quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own since price quotes are sent directly to your email. If you have a need to get a price quote from a particular provider, just jump over to their website and complete a quote there.

Pick the best auto insurance agent in Denver for you

If you are wanting to purchase auto insurance from a local insurance agency, it’s important to understand the types of agencies and how they can service your needs differently. Auto insurance agencies can be classified as either exclusive or independent (non-exclusive). Either type can insure your vehicles, but it’s a good idea to understand the subtle differences since it could factor into the selection process.

Independent Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies and find you the best rates. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparison shopping, we recommend you include several independent agencies so that you can do a thorough price comparison. Most have the option of insuring with smaller companies which can be an advantage.

Below is a list of independent insurance agents in Denver that may be able to give you cheap rate quotes.

• FUSA Insurance Agency
  7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map
• Madison Insurance Group
  600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map
• Affordable American Insurance-Lloyd Nguyen Agency
  1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map

More insurance agents

Exclusive Insurance Agencies

These type of agents can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They are unable to provide other company’s prices so always compare other rates. These agents receive extensive training on sales techniques and that allows them to sell at a higher price point. Some people will only buy insurance from these agents primarily because of loyalty to the company rather than low price.

Below are exclusive insurance agencies in Denver that can give you comparison quotes.

• Kelly Wells – State Farm Insurance Agent
  1855 S Pearl St Ste 100 – Denver, CO 80210 – (303) 862-4579 – View Map
• Caramel Russell-Rouse – State Farm Insurance Agent
  999 S Monaco Pkwy #200 – Denver, CO 80224 – (303) 424-0420 – View Map
• Farmers Insurance – Angel Le
  1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map

More insurance agents

Choosing the best insurance agency should depend on more than just a low price. These are some questions you should get answers to.

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• When do they do policy reviews?
• If independent agents, which companies do they recommend?
• Which family members are covered?
• How long has their agency been in business in Denver?
• Do they offer rental car reimbursement?

One last thing to lower rates

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we presented many ways to reduce Audi TT insurance car insurance rates online in Denver. The key thing to remember is the more rate comparisons you have, the higher your chance of finding the cheapest Audi TT rate quotes. Consumers could even find that the lowest car insurance rates are with the least-expected company.

The cheapest Audi TT insurance in Denver is possible both online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these smaller companies provide coverage only through local independent agents.

To learn more, feel free to visit the articles below:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Subaru Forester in Denver? (FAQ)
• Who Has Cheap Auto Insurance Rates for 16 Year Olds in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance for a Ford Escape? (FAQ)
• Who Has the Cheapest Denver Car Insurance Rates for Drivers with a DUI? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Drivers in Denver? (FAQ)
• Who Has Affordable Auto Insurance Rates for First-time Drivers in Denver? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Hyundai Santa Fe in Denver? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Denver? (FAQ)
• Teen Driving and Texting (State Farm)
• Child Safety FAQ (iihs.org)