Trying to find more competitive Audi TT insurance in Jacksonville? Locating cheaper insurance for an Audi TT in Florida can be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.
There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to quote coverages for your Audi and get the lowest price.
It’s smart to shop coverage around at least once a year because prices change regularly. If you had the best rates on Audi TT insurance in Jacksonville a couple years back there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to save on car insurance.
What Determines Audi TT Insurance Costs?
Consumers need to have an understanding of the different types of things that aid in calculating the price you pay for auto insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that can help you get much lower annual insurance costs. Many factors are part of the calculation when premium rates are determined. Some are obvious like your driving record, although others are not quite as obvious such as your credit history or your financial responsibility.
Save money by eliminating incidental coverages – There are a lot of additional extra coverages you can purchase on your TT policy. Coverages for personal injury protection, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem good when discussing your needs, but your needs may have changed so think about removing them and cutting costs.
Your address can push rates up or down – Being located in less populated areas of the country is a good thing when it comes to auto insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated Florida areas have to deal with more aggressive driving styles and more time behind the wheel. Spending more time driving means more chances of being involved in an auto accident.
Prevent auto insurance policy lapses – Allowing your auto insurance policy to lapse will be a quick way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance could result in a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with the Florida department of motor vehicles.
Lower rates with a multi-policy discount – Many auto insurance companies will award discounts to customers who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.
Insurance costs and vehicle performance – The make and model of the vehicle you need insurance for makes a huge difference in determining your rates. Lower performance four cylinder passenger models generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
The following data is based on a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Audi TT insurance premiums compared to other models of vehicles that have different performance risks.
Gender and insurance costs – Over the last 30 years, statistics show that females tend to be a little less risky than males. It does not mean women are better drivers. Men and women cause at-fault accidents in similar percentages, but males get into accidents with more damage. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
The chart below shows the comparison of Audi TT insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $500 deductibles, single status, and no discounts are factored in.
Insurance losses for an Audi TT – Insurers use statistical claims data to calculate a price that will offset any claims. Models that statistically have higher claim frequency or loss amount will cost more for specific coverages. The table below shows the insurance loss data used by companies for Audi TT vehicles.
For each policy coverage, the claim amount for all vehicles averaged together is equal to 100. Values that are below 100 suggest losses that are better than average, while percentage values above 100 point to more claims or an increased likelihood of larger losses.
| Specific Audi Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi TT 2dr 4WD | 168 | 111 | ||||
| Audi TTS 2dr 4WD | 141 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The companies shown below offer price quotes in Jacksonville, FL. If several companies are displayed, we recommend you visit several of them to find the most competitive auto insurance rates.
Auto insurance data for an Audi TT
The rate table displayed next covers a range of insurance prices for Audi TT models. Knowing how rate quotes are figured can benefit drivers when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $348 | $730 | $392 | $24 | $118 | $1,612 | $134 |
| TT 2.0T Quattro 2-Dr Coupe | $348 | $730 | $392 | $24 | $118 | $1,612 | $134 |
| TT 2.0T Quattro 2-Dr Coupe | $348 | $730 | $392 | $24 | $118 | $1,612 | $134 |
| TT S 2.0T Quattro 2-Dr Coupe | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT S 2.0T Quattro 2-Dr Coupe | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT S 2.0T Quattro 2-Dr Roadster | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $826 | $392 | $24 | $118 | $1,744 | $145 |
| TT S 2.0T Quattro 2-Dr Roadster | $418 | $922 | $392 | $24 | $118 | $1,874 | $156 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific Jacksonville garaging location which can impact premium rates noticeably.
Higher deductibles lower rates
One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The following tables approximate the premium difference when you buy lower versus higher insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $452 | $880 | $418 | $24 | $124 | $1,923 | $160 |
| TT 2.0T Quattro 2-Dr Coupe | $452 | $880 | $418 | $24 | $124 | $1,923 | $160 |
| TT 2.0T Quattro 2-Dr Coupe | $452 | $880 | $418 | $24 | $124 | $1,923 | $160 |
| TT S 2.0T Quattro 2-Dr Coupe | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT 2.0T Quattro 2-Dr Roadster | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT 2.0T Quattro 2-Dr Roadster | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT S 2.0T Quattro 2-Dr Coupe | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT S 2.0T Quattro 2-Dr Roadster | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT 2.0T Quattro 2-Dr Roadster | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| TT S 2.0T Quattro 2-Dr Roadster | $544 | $1110 | $418 | $24 | $124 | $2,245 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| TT 2.0T Quattro 2-Dr Coupe | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| TT 2.0T Quattro 2-Dr Coupe | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| TT S 2.0T Quattro 2-Dr Coupe | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT 2.0T Quattro 2-Dr Roadster | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT 2.0T Quattro 2-Dr Roadster | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT S 2.0T Quattro 2-Dr Coupe | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT S 2.0T Quattro 2-Dr Roadster | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT 2.0T Quattro 2-Dr Roadster | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| TT S 2.0T Quattro 2-Dr Roadster | $302 | $586 | $418 | $24 | $124 | $1,454 | $121 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in zip code location which can influence price quotes noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $58 more each month or $696 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claim filings, you would probably save some money if you decide on a higher deductible.
Cost of full coverage in Jacksonville
The diagram below illustrates the comparison of Audi TT car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are applied.
When to stop buying physical damage coverage
There is no exact formula to drop full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s assume your Audi TT claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few situations where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Audi TT in Jacksonville, insuring your vehicle serves several important purposes.
- Almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Audi with a loan, more than likely the lender will make it mandatory that you have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender will be forced to insure your Audi for a lot more money and make you pay a much higher amount than you were paying before.
- Insurance protects your Audi and your assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Audi gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are definitely more than the cost, especially when you need to use it. As of last year, the average driver in Florida is overpaying more than $869 every year so it’s very important to do a rate comparison every year to save money.
Get cheaper Audi TT insurance in Jacksonville with discounts
Insuring your fleet can be pricey, but you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few must be inquired about prior to getting the savings.
- Organization Discounts – Participating in qualifying employment or professional organizations can get you a small discount on your policy.
- No Claims – Good drivers with no accidents are rewarded with significantly better rates on Jacksonville car insurance quote when compared with accident-prone drivers.
- Data Collection Discounts – Drivers that enable driving data submission to analyze driving habits by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
- Defensive Driver – Participating in a course in defensive driver could possibly earn you a 5% discount if you qualify.
- Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- One Accident Forgiven – Not really a discount, but some insurance companies permit an accident before raising your premiums if you have no claims prior to being involved in the accident.
- Discounts for New Vehicles – Insuring a new TT can be considerably cheaper due to better safety requirements for new vehicles.
- Own a Home – Just being a homeowner may earn you a small savings since owning and maintaining a home requires personal responsibility.
- Discounts for Safe Drivers – Drivers without accidents may save up to 50% more than their less cautious counterparts.
- Low Mileage Discounts – Keeping the miles down on your Audi could qualify for substantially lower auto insurance rates.
Remember that most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will cut your policy cost.
The information below illustrates the comparison of Audi TT insurance costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.
To choose insurance companies that offer some of these discounts in Jacksonville, click here.
Local Jacksonville auto insurance agents
Many people would rather have an agent’s advice and doing that can be a smart decision Good insurance agents will help you protect your assets and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get better rates but also keep your business local. Buying from local agencies is important especially in Jacksonville.
After completing this form (opens in new window), your insurance coverage information is emailed to local insurance agents in Jacksonville who want to provide quotes for your business. You won’t even need to visit any agencies due to the fact that quote results will go to you directly. In the event you want to get a price quote for a specific company, feel free to navigate to their website and submit a quote form there.
Different types of auto insurance agents in Jacksonville
When looking for a reputable agency, it’s important to understand the different types of agencies and how they function. Jacksonville agents can be categorized as either exclusive agents or independent agents. Either one can do a good job, but it’s a good idea to understand how they differ since it can impact your selection of an agent.
Independent Insurance Agents (or Brokers)
These type of agents do not have single company limitations so as a result can place your coverage with many different companies and get the cheapest rates. If premiums increase, the business is moved internally and that require little work on your part. When shopping rates, we recommend you get some free quotes from multiple independent agents so that you have a good selection of quotes to compare. Many can place coverage with mutual insurance companies which can be an advantage.
Featured below is a list of independent insurance agents in Jacksonville that can possibly get you free insurance rate quotes.
- Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map - State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map - Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company such as AAA, Allstate, and State Farm. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on the products they sell which helps them sell on service rather than price. Some people will only buy insurance from these agents mainly due to high brand loyalty rather than low rates.
Listed below are Jacksonville exclusive insurance agencies who can help you get price quotes.
- Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map - Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665 – View Map - Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 – View Map
Picking an car insurance agent should depend on more than just a cheap price quote. Get answers to these questions too.
- How is replacement cost determined on your vehicle?
- Do they write coverage based solely on cost?
- Does the company have a solid financial rating?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Where would your vehicle be repaired?
Cheaper car insurance rates are possible
Cheaper Audi TT insurance in Jacksonville can be found both online as well as from independent agents in Jacksonville, and you should compare rates from both to have the best rate selection. Some insurance providers may not have online quoting and most of the time these smaller providers sell through independent insurance agencies.
Drivers change insurance companies for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, delays in responding to claim requests or poor customer service. It doesn’t matter why you want to switch finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
Throughout this article, we presented a lot of tips how to shop for Audi TT insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of getting low cost Jacksonville car insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company.
How to buy lower priced Audi TT insurance in Jacksonville
It takes a little time, but the best way to get affordable Audi TT insurance in Jacksonville is to annually compare prices from providers who provide auto insurance in Florida.
- Step 1: Gain an understanding of what coverages are included in your policy and the measures you can take to keep rates low. Many rating criteria that drive up the price such as traffic citations and a less-than-favorable credit score can be amended by improving your driving habits or financial responsibility.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple sources. Get quotes now
- Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
- Step 4: Tell your current company of your decision to cancel your current coverage and submit the application along with any required down payment to the newly selected company. Make sure you keep the new proof of insurance certificate in a readily accessible location in your vehicle.
One tip to remember is to compare the same coverage limits and deductibles on every quote and and to compare as many companies as feasibly possible. Doing this enables a fair rate comparison and a complete price analysis.
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