Best Rates for Audi TT Insurance in Baltimore

It’s safe to conclude that insurance companies want to keep you from shopping around. People who compare other prices are very likely to buy a new policy because of the good chance of finding a lower-priced company. A recent auto insurance study revealed that drivers who made a habit of comparing rates saved approximately $72 a month compared to drivers who never shopped around for better prices.

If saving money on car insurance in Baltimore is the reason you’re here, then having an understanding of the best ways to shop for cheaper coverage can save money and time.

Truthfully, the best way to find low-cost Audi TT insurance in Baltimore is to compare prices once a year from insurance carriers in Maryland. This can be done by following these steps.

• Step 1: Read and learn about how insurance works and the changes you can make to prevent high rates. Many things that drive up the price such as high-risk driving behaviors and a substandard credit score can be controlled by making lifestyle changes or driving safer.
• Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
• Step 3: Compare the new rates to the price on your current policy to see if a cheaper price is available in Baltimore. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is that you use identical limits and deductibles on every quote and to quote with all possible companies. Doing this ensures an apples-to-apples comparison and the best price selection.

Keep in mind that having more price comparisons helps improve the odds of finding a lower rate. Not every company allows you to get online rate quotes, so it’s necessary to compare prices from those companies as well.

The following companies are ready to provide comparison quotes in Maryland. If your goal is to find cheaper auto insurance in Maryland, it’s a good idea that you click on several of them to get the best price comparison.

Premium rates and analysis

The premium table below showcases a range of coverage costs for Audi TT models. Having insight into how auto insurance policy rates are calculated can help you make smart choices when purchasing an auto insurance policy.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can change coverage prices significantly.

Full coverage rates compared to liability-only

The example below visualizes the comparison of Audi TT yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are applied.

Guidelines for dropping full coverage

There is no definitive guideline to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Audi TT book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your deductible. If you are paying over $600 annually for your policy with full coverage, then it might be time to buy liability only.

There are some situations where removing full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Why you need insurance for your TT

Despite the fact that auto insurance is not cheap in Baltimore, maintaining insurance is a good idea for several reasons.

• Just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection if you want to drive legally. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you took out a loan on your Audi TT, most lenders will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Audi at a significantly higher premium and require you to pay for the expensive policy.
• Auto insurance protects your car and your assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. But the average American driver overpays as much as $830 a year so you should quote rates at every policy renewal to be sure current rates are still competitive.

Informed Consumers Can Slash Their Insurance Costs

It’s important that you understand some of the factors that come into play when calculating your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that can earn you cheaper rates.

The items below are a partial list of the pieces companies use to determine your premiums.

• Gender is a factor – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that females are better at driving than males. Females and males have fender benders at about the same rate, but males tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving.

  The chart below shows the comparison of Audi TT yearly insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied.

• Your liability coverage limits – The liability section of your policy will afford coverage when you are found liable for causing personal injury or damage in an accident. It provides legal defense to defend your case. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Do thieves like your car? – Driving a car with a theft deterrent system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.
• Frequent claims will increase rates – Companies in Maryland generally give the best rates to insureds who are claim-free. If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Occupation impacts rates – Do you work in a high-stress field? Careers like real estate brokers, executives, and dentists generally pay the highest rates in part from intense work requirements and lengthy work days. Conversely, jobs like professors, historians and performers generally pay rates lower than average.

• Careless driving leads to higher costs – Attentive drivers get better prices as compared to those with violations. Having just one driving citation can boost insurance rates forty percent or more. Drivers with dangerous violations such as DUI or reckless driving might be required by their state to file a SR-22 with their state motor vehicle department in order to legally drive a vehicle.

  The information below illustrates how violations and at-fault accidents can drive up Audi TT car insurance costs for different age groups. The prices are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

• Claims statistics for an Audi TT – Insurance companies analyze claim trends for every vehicle to help calculate premium costs. Models that are shown to have a trend towards higher claims will have a higher premium rate.

  The table below shows the insurance loss data for Audi TT vehicles. For each policy coverage, the claim probability for all vehicles compiled together is considered to be 100. Numbers below 100 suggest losses that are better than average, while percentage numbers above 100 point to more frequent losses or statistically larger claims.

  
  

  Audi TT Insurance Claim Statistics

  Make and 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Take policy discounts and save on Audi TT insurance in Baltimore

Some insurance providers don’t necessarily list their entire list of discounts very well, so the next list breaks down some of the best known in addition to some of the lesser obvious credits that may apply to you.

• Telematics Devices – Insureds that choose to allow driving data submission to monitor driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Save over 55 – If you’re over the age of 55, you are able to get lower premium rates.
• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more and also improve your driving technique.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
• Braking Control Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more on TT insurance in Baltimore.
• Auto/Life Discount – Insurance companies who offer life insurance give better premium rates if you take out a life insurance policy as well.
• Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a Baltimore car insurance quote. Earning this discount can benefit you up until you turn 25.
• Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class in high school.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. But any discount will definitely lower the amount you have to pay.

The information below illustrates the difference between Audi TT yearly insurance costs with and without policy discounts. Data assumes a female driver, no claims or violations, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

To see providers with discount rates in Baltimore, click here.

You are unique and your car insurance should be too

When quoting and comparing your policy, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that.
These are some specific questions may help highlight whether your personal situation may require specific advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Can I use my car for my catering business?
• Does my policy cover my teen driver if they drive my company car?
• When should my teen driver be added to my policy?
• How can I get the company to pay a claim?
• Is my ex-spouse still covered by my policy?
• Which companies will insure me after a DUI?
• What does PIP insurance cover?
• Does my Audi TT qualify for pleasure use?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Exclusive or independent insurance agencies

Some consumers still like to talk to an insurance agent and doing so can bring peace of mind One of the benefits of getting online price quotes is that drivers can save money and get lower rates but also keep your business local. Buying from local insurance agencies is important especially in Baltimore.

To find an agent, once you fill out this short form, your information is immediately sent to agents in your area that can provide free Baltimore car insurance quotes for your coverage. You won’t need to contact an agency because quoted prices will be sent to you instantly. You’ll get the best rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific company, feel free to navigate to their website and fill out their quote form.

If you want to use a reliable insurance agency, it helps to know the two types of agencies and how they are slightly different. Insurance agents can be described as either exclusive or independent.

Independent Insurance Agents

Independent insurance agents are not locked into one company and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest insurance rates. If prices rise, the agent simply finds a different carrier which makes it simple for you. When comparing insurance prices, you definitely need to include several independent insurance agents to get the best comparison. Many can place coverage with different regional companies which can be an advantage.

Featured below is a list of independent agents in Baltimore that can possibly get you rate quotes.

• Mason and Carter Inc
  23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map
• Baltimore Insurance Network
  11 E Lexington St – Baltimore, MD 21202 – (443) 869-6424 – View Map
• Nationwide Insurance: Rodgers Insurance Agency Inc
  6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379 – View Map

View more agents

Exclusive Insurance Agents

These type of agents can only place business with one company and some examples include AAA, Allstate, and State Farm. Exclusive agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. They are highly trained in insurance sales which helps them sell insurance even at higher premiums. Some people will only use the same exclusive agent mainly due to the brand name rather than low rates.

Listed below are exclusive insurance agencies in Baltimore that can give you price quotes.

• Allstate Insurance: Shanda Hayden
  7200 Eastern Ave a – Baltimore, MD 21224 – (410) 282-7863 – View Map
• Allstate Insurance Agency: Abernathy Michael
  7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map
• Valerie Cherry – State Farm Insurance Agent
  6800 York Road – Baltimore, MD 21212 – (410) 435-6600 – View Map

View more agents

Finding the right insurance agent is decision based upon more than just a cheap price. The questions below may impact your decision as well.

• Which members of your family are coverage by the policy?
• What company holds the largest book of business for them?
• Do they receive special compensation for putting your coverage with one company over another?
• Is the agent and/or agency licensed to do business in Maryland?
• Are they able to influence company decisions when a claim is filed?
• Can you use your own choice of collision repair facility?
• Are they involved in claim handling?
• What insurance companies do they recommend if they are an independent agent?

Lower rates by being persistent

Discount Audi TT insurance in Baltimore can be sourced from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not have the ability to get a quote online and many times these regional carriers work with independent insurance agents.

We covered many ways to get a better price on Audi TT insurance in Baltimore. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a small local company. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like Progressive or GEICO.

As you restructure your insurance plan, never skimp on coverage in order to save money. In many cases, an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Even more information is located by following these links:

• Teen Driving Statistics (GEICO)
• Who Has Affordable Auto Insurance Rates for Drivers Over Age 50 in Baltimore? (FAQ)
• How Much are Baltimore Car Insurance Rates for Low Income Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Active Military in Baltimore? (FAQ)
• Who Has the Cheapest Auto Insurance for Postal Workers in Baltimore? (FAQ)
• How Much is Auto Insurance for First-time Drivers in Baltimore? (FAQ)
• Who Has Affordable Car Insurance for Homeowners in Baltimore? (FAQ)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)