Do you want low-cost Audi TT insurance in Columbia? No sane person loves paying for insurance, especially when they know the cost is way too high.
Astonishing but true according to a recent study, nearly 70% of customers kept buying from the same company for at least four years, and about 40% of consumers have never quoted rates to find affordable coverage. With the average premium in America being $1,847, drivers could cut their rates by 47% a year just by comparing rates, but they don't understand how simple it is to compare rates.
Insurance companies such as GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.
The easiest way to compare policy rates for Audi TT insurance in Columbia utilizes the fact auto insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide a little information like if you went to college, deductibles desired, if your license is active, and an estimate of your credit level. That information gets transmitted to many of the top insurers and you will get price comparisons instantly to find the best rate.
To check rates for your car now, click here then complete the form.
The car insurance companies shown below are our best choices to provide free quotes in South Carolina. If more than one company is shown, it's a good idea that you get prices from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TT 2.0T Quattro 2-Dr Coupe||$232||$476||$358||$22||$108||$1,196||$100|
|TT 2.0T Quattro 2-Dr Coupe||$332||$602||$342||$20||$102||$1,398||$117|
|TT 2.0T Quattro 2-Dr Coupe||$232||$476||$386||$22||$116||$1,232||$103|
|TT S 2.0T Quattro 2-Dr Coupe||$358||$784||$412||$24||$124||$1,702||$142|
|TT 2.0T Quattro 2-Dr Roadster||$332||$628||$352||$20||$106||$1,438||$120|
|TT 2.0T Quattro 2-Dr Roadster||$292||$632||$412||$24||$124||$1,484||$124|
|TT S 2.0T Quattro 2-Dr Coupe||$256||$566||$386||$22||$116||$1,346||$112|
|TT S 2.0T Quattro 2-Dr Roadster||$406||$838||$460||$28||$138||$1,870||$156|
|TT 2.0T Quattro 2-Dr Roadster||$292||$632||$412||$24||$124||$1,484||$124|
|TT S 2.0T Quattro 2-Dr Roadster||$508||$908||$448||$26||$134||$2,024||$169|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in vehicle garaging location which can change prices greatly.
Audi TT liability-only versus full coverage
The illustration below illustrates the difference between Audi TT car insurance costs when comparing full coverage to state minimum liability only. The rates are based on no accidents or driving violations, $250 deductibles, single male driver, and no discounts are factored in.
Deciding between full coverage and liability only
There is no set rule to stop buying full coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% 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 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after you pay the deductible. If it's costing in excess of $700 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some cases where only buying liability is not advised. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Males versus Females
The information below illustrates the difference between Audi TT insurance premiums for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Car insurance myths debunked
Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to make the point about savings if you get a free Columbia car insurance quote and switch your policy. How is it possible that every company can make almost identical claims? This is how they do it.
Many companies can use profiling for the right customer they prefer to insure. One example of a profitable insured could be a female over age 40, carries full coverage, and chooses high deductibles. A propective insured that meets those criteria gets the lowest rates and most likely will cut their rates substantially.
Potential customers who cannot meet those criteria may receive more expensive rates which translates to the customer buying from a different company. If you listen to the ad wording, they say "people that switch" not "everyone that quotes" save that kind of money. That is how companies can truthfully make claims like that. That is why it's extremely important to compare quotes as often as possible. It is just not possible to predict which insurance companies will fit you best based on your risk profile.
It may be expensive, but it's not optional
Despite the high cost, insurance is required in South Carolina but it also protects you in many ways.
- Just about all states have minimum liability requirements which means the state requires specific limits of liability in order to drive the car. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Audi has a lienholder, most banks will force you to have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Audi at a significantly higher premium and force you to pay for it.
- Insurance safeguards both your car and your assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $800 each year so compare rate quotes every year to ensure rates are inline.
Do you qualify for discounts on Audi TT insurance in Columbia?
Companies do not advertise all their discounts very clearly, so the list below contains a few of the more common and the harder-to-find savings tricks you should be using when you buy Columbia car insurance online.
- Include Life Insurance and Save - Insurance companies who offer life insurance give a small discount if you purchase life insurance from them.
- Good Grades Discount - A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
- Discount for Low Mileage - Low mileage vehicles can earn substantially lower premium rates.
- Early Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
- Discount for Swiching Early - Some insurance companies provide a discount for switching companies before your current coverage expires. You could save around 10% when you buy Columbia car insurance online.
- Waiver for an Accident - Not a discount per se, but certain companies permit an accident before raising your premiums if your claims history is clear prior to being involved in the accident.
- ABS Braking Discount - Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
- New Car Discount - Buying a new car model is cheaper since new vehicles are generally safer.
Don't be shocked that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, auto insurance companies aren't that generous. But all discounts will definitely lower your auto insurance premiums.
Some companies that have some of the above discounts include:
Double check with each company or agent what discounts are available to you. A few discounts may not be offered everywhere. To locate insurance companies offering auto insurance discounts in South Carolina, follow this link.
Shop online but buy locally
Some consumers just prefer to get advice from a local agent and that can be a great decision One of the great benefits of comparing car insurance online is the fact that you can find lower rates but still work with a licensed agent.
To find an agent, once you fill out this quick form, your information is instantly submitted to participating agents in Columbia who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact an agency because quoted prices will be sent to the email address you provide. It's the lowest rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, feel free to visit that company's website to submit a rate quote request.
Picking an insurer requires more thought than just a low price. Below are some questions you should ask.
- Can you use your own choice of collision repair facility?
- When do they do a full risk review?
- Do they offer rental car reimbursement?
- Has the agent ever had any license suspensions?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have cheaper tiers of coverage?
Car insurance agents in Columbia come in two varieties
If you would like to find a local insurance agency, it's important to understand the different types of agencies and how they differ in how they can insure your vehicles. Agents are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them sell on service rather than price.
Shown below is a short list of exclusive agencies in Columbia that can give you rate quotes.
Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If you want to switch companies, an independent agent can move your coverage and you don't have to switch agencies.
When comparing rate quotes, you definitely need to compare quotes from a few independent agents to have the most options to choose from.
Shown below is a short list of independent agencies in Columbia who can help you get price quote information.
Car insurance coverages for an Audi TT
Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.
Collision - This covers damage to your TT resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like backing into a parked car, driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your TT in order to get cheaper collision rates.
Comprehensive auto insurance - This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers - This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Audi TT.
Since a lot of drivers have only the minimum liability required by law (South Carolina limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Liability auto insurance - This will cover damage that occurs to other's property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as medical expenses, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible. South Carolina state law requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.
Coverage for medical expenses - Med pay and PIP coverage pay for expenses such as dental work, chiropractic care, doctor visits and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
One last thing to lower rates
Throughout this article, we presented many ideas to compare Audi TT insurance premium rates in Columbia. It's most important to understand that the more quotes you get, the higher your chance of finding the cheapest Audi TT rate quotes. You may even find the lowest premium rates are with an unexpected company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.
As you prepare to switch companies, it's very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
A few companies don't offer internet price quotes and most of the time these smaller providers provide coverage only through local independent agents. Low-cost Audi TT insurance in Columbia can be bought 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.
Additional auto insurance information can be read below:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for a Company Car in South Carolina? (FAQ)
- What Car Insurance is Cheapest for High School Students in South Carolina? (FAQ)
- What is the Best Cheap Auto Insurance in Greenville, South Carolina? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Airbag FAQ (iihs.org)