It’s astonishing, but the majority of drivers have remained with the same auto insurance company for over three years, and just short of a majority have never compared auto insurance rates at all. American drivers could save almost $850 a year just by getting comparison quotes, but most just don’t grasp the actual amount they would save if they just switched companies.
If saving the most money is your goal, then the best way to find affordable quotes for Audi TTS insurance is to compare prices at least once a year from insurers in Raleigh. Prices can be compared by following these steps.
First, spend a few minutes and learn about how insurance works and the factors you can control to prevent high rates. Many things that are responsible for high rates like traffic violations and a not-so-good credit rating can be improved by paying attention to minor details.
Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while agents who are independent can quote prices from many different companies.
Third, compare the new rates to the price on your current policy to determine if you can save on TTS insurance in Raleigh. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
Fourth, provide written notification to your current company of your intent to cancel your existing policy. Submit a down payment along with a signed application for your new policy. As soon as you have the new policy, put the new proof of insurance certificate with the vehicle registration.
One thing to point out is that you’ll want to compare the same coverage limits and deductibles on each quote and and to look at as many different companies as possible. Doing this ensures a fair rate comparison and the best rate selection.
Locating the most cost-effective auto insurance policy in Raleigh can be much easier if you know how to start. Virtually every vehicle owner who shops around for auto insurance will most likely be able to find lower rates. But North Carolina car owners can benefit from knowing the way insurance companies determine premium rates because rates are impacted by many factors.
Learn How to Lower Your Insurance Costs
Multiple criteria are considered when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are more obscure such as your marital status or your financial responsibility.
Shown below are a few of the things used by your company to calculate premiums.
Keep prices low by being claim-free – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Insurance companies in North Carolina generally give better rates to insureds who only file infrequent claims. Your insurance policy is designed for major claims that would cause financial hardship.
Teenagers vs. older drivers – Older insureds are more cautious drivers, tend to file fewer claims, and are safer drivers. Teenage drivers have a tendency to be inattentive in a vehicle so insurance rates are higher.
Safety first – Vehicles with good safety scores cost less to insure. Safer cars reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates.
Theft deterrents systems cut rates – Selecting a car model with a theft deterrent system can help lower your premiums. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
Does insurance coverage cost less for gals? – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. They both are in fender benders in similar numbers, but men have costlier accidents. Men also get higher numbers of serious violations such as DWI and reckless driving.
Raise your comp and collision deductibles for better rates – Comprehensive and collision coverage deductibles are how much you are willing to pay if you file a covered claim. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, collision with a deer, or theft of your vehicle. The more the insured is willing to pay, the better rate you will receive.
Remove unneeded extra coverages – There are a lot of add-on coverages that can add up when buying insurance. Insurance for things like rental car coverage, accident forgiveness, and membership fees could be just wasting money. They may sound like good ideas when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
Defend yourself with liability protection – The liability section of your policy will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
Insurance losses for an Audi TTS – Auto insurance companies factor in historical loss data to help calculate a profitable premium price. Models that statistically have increased losses will cost more for coverage.
The next table illustrates the historical loss data for Audi TTS vehicles. For each coverage category, the claim probability for all vehicles as a whole is equal to 100. Percentages below 100 indicate better than average losses, while numbers above 100 point to more losses or a tendency for claims to be larger.
|Specific Audi Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi TTS 2dr 4WD||141|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
In the end, you can save money
A few companies do not provide online rate quotes and these smaller companies work with independent insurance agents. Low-cost Audi TTS insurance in Raleigh can be sourced online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.
We just presented a lot of tips how to reduce Audi TTS insurance premium rates online in Raleigh. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive Raleigh car insurance quotes. Consumers may even find the most savings is with an unexpected company. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive and GEICO.
Additional detailed information is available by following these links:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Raleigh Auto Insurance Rates for Good Students? (FAQ)
- How Much is Raleigh Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Auto Theft Statistics (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)