Do you need a better way to compare more competitive Audi TT insurance in Boston? Finding the best price on Boston auto insurance may seem to be difficult if you are like most people and have never completed rate quotes online. Don’t let that stop you because we’re going to show you how to find cheaper Audi TT in Boston.
How to find better rates for Audi TT insurance in Boston
If saving money is your primary concern, then the best way to find affordable quotes for car insurance rates in Boston is to start comparing prices yearly from insurance carriers in Massachusetts. You can compare prices by following these guidelines.
- Step 1: Spend some time learning about what is in your policy and the changes you can make to prevent high rates. Many things that result in higher prices such as accidents, traffic tickets, and a poor credit rating can be remedied by making minor changes in your lifestyle.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide prices from many different companies.
- Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available in Boston. If you can save money, verify that coverage does not lapse between policies.
- Step 4: Notify your agent or company of your intention to cancel the current policy and submit any necessary down payment along with the completed application to the newly selected company. Immediately upon receiving it, place the new certificate verifying coverage above your visor, in the console, or in the glove compartment.
A key point to remember is to try to compare the same physical damage deductibles and liability limits on each price quote and and to analyze every company you can. Doing this helps ensure a fair rate comparison and the best price selection.
Unfortunately, the vast majority of auto insurance customers kept their coverage with the same auto insurance company for more than four years, and nearly 40% of drivers have never quoted rates to find lower-cost coverage. With the average auto insurance premium being $1,400, Boston drivers could save themselves approximately $600 a year just by getting comparison quotes, but they don’t believe how much they could save if they bought a different policy.
It’s smart to price shop coverage periodically because prices trend upward over time. Even if you got the best deal on Audi TT insurance in Boston at your last renewal there may be better deals available now. There is lot of inaccurate information about TT insurance out there, but you can learn some great ways to stop overpaying for insurance in Boston.
Where can I get cheap Boston Audi TT insurance?
When comparing insurance rates, know that comparing more prices helps improve the odds of finding a better price. Not every company allows you to get Boston TT insurance quotes over the internet, so it’s necessary to compare prices from those companies as well.
The companies in the list below can provide price quotes in Boston, MA. In order to find the cheapest auto insurance in Massachusetts, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Take policy discounts and save on Audi TT insurance in Boston
Some insurers don’t always advertise every discount very well, so we break down both the well known and the more hidden ways to save on insurance.
- Student in College – Any of your kids who live away from home at college and leave their car at home could qualify for this discount.
- Braking Control Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and will save you 10% or more on TT insurance in Boston.
- Professional Organizations – Joining a qualifying organization is a simple method to lower premiums on insurance.
- Telematics Data Discounts – Drivers who elect to allow driving data submission to scrutinize driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they exhibit good driving behavior.
- Employee of Federal Government – Federal government employees can save as much as 8% depending on your company.
- Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of up to 25% or more.
- Safe Driver Discounts – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
- Defensive Driver Discounts – Passing a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance policy, companies don’t profit that way. But all discounts should help reduce the premium cost.
The information below compares Audi TT insurance prices with and without discounts applied to the policy rates. The prices are based on a male driver, no violations or claims, Massachusetts 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 multi-policy, multi-car, claim-free, marriage, safe-driver, and homeowner discounts applied.
To find providers offering insurance discounts in Boston, follow this link.
Insurance coverage details
The table shown below outlines estimates of insurance costs for Audi TT models. Learning how car insurance prices are formulated is important for drivers to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $344 | $20 | $104 | $1,446 | $121 |
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $344 | $20 | $104 | $1,446 | $121 |
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $344 | $20 | $104 | $1,446 | $121 |
| TT S 2.0T Quattro 2-Dr Coupe | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT S 2.0T Quattro 2-Dr Coupe | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT S 2.0T Quattro 2-Dr Roadster | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $734 | $344 | $20 | $104 | $1,564 | $130 |
| TT S 2.0T Quattro 2-Dr Roadster | $396 | $818 | $344 | $20 | $104 | $1,682 | $140 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can increase or decrease insurance rates noticeably.
An analysis of deductible level
One of the most common insurance questions is where to set your physical damage deductibles. The figures shown below can help illustrate the costs and benefits when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| TT S 2.0T Quattro 2-Dr Coupe | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT 2.0T Quattro 2-Dr Roadster | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT 2.0T Quattro 2-Dr Roadster | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT S 2.0T Quattro 2-Dr Coupe | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT S 2.0T Quattro 2-Dr Roadster | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT 2.0T Quattro 2-Dr Roadster | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| TT S 2.0T Quattro 2-Dr Roadster | $436 | $890 | $334 | $20 | $100 | $1,805 | $150 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $264 | $476 | $334 | $20 | $100 | $1,194 | $100 |
| TT 2.0T Quattro 2-Dr Coupe | $264 | $476 | $334 | $20 | $100 | $1,194 | $100 |
| TT 2.0T Quattro 2-Dr Coupe | $264 | $476 | $334 | $20 | $100 | $1,194 | $100 |
| TT S 2.0T Quattro 2-Dr Coupe | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT 2.0T Quattro 2-Dr Roadster | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT 2.0T Quattro 2-Dr Roadster | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT S 2.0T Quattro 2-Dr Coupe | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT S 2.0T Quattro 2-Dr Roadster | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT 2.0T Quattro 2-Dr Roadster | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| TT S 2.0T Quattro 2-Dr Roadster | $318 | $602 | $334 | $20 | $100 | $1,374 | $115 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate information does not factor in specific location information which can influence insurance rates significantly.
Using the data above, we can ascertain that using a $100 deductible costs approximately $32 more each month or $384 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claim filings, you would save money by going with a higher deductible.
The illustration below shows how choosing a deductible and can influence Audi TT insurance premiums for each age group. The data is based on a married female driver, comp and collision included, and no discounts are applied.
Gender-based insurance rates by age in Boston
The diagram below visualizes the comparison of Audi TT annual premium costs for male and female drivers. The premiums assume no claims or violations, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The illustration below illustrates the difference between Audi TT auto insurance costs with and without full coverage. The premiums are based on no claims or violations, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to stop buying full coverage
There is no definitive rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more 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 say your Audi TT replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the deductible is paid. If premium cost is more than $700 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Shop online but buy locally
Certain consumers prefer to get advice from a local agent and that is not a bad decision A good thing about getting free rate quotes online is the fact that you can find better rates and still have a local agent. Putting coverage with neighborhood agents is still important in Boston.
After filling out this short form, the coverage information is immediately sent to participating agents in Boston that can provide free Boston car insurance quotes for your car insurance coverage. You won’t need to find an agent on your own since rate quotes are delivered to your email. It’s the lowest rates without having to waste a lot of time. If you want to quote rates from one company in particular, don’t hesitate to go to their quote page and fill out the quote form the provide.
Below is a list of car insurance companies in Boston who can help you get comparison quotes for Audi TT insurance in Boston.
- H R Hatch Insurance Agency, Inc
31 Milk St #410 – Boston, MA 02109 – (617) 426-3711 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000 – View Map - American Agency Systems Insurance
156 Porter St – Boston, MA 02128 – (617) 418-5089 – View Map
Picking the best insurer is decision based upon more than just a cheap price quote. The following questions are important to ask.
- What insurance companies do they work with in Boston?
- If they are an independent agency in Boston, which companies do they recommend?
- Do they write coverage based solely on cost?
- Who is covered by the car insurance policy?
- How will an accident affect your rates?
- What will you get paid if your car is a total loss? How is that amount determined?
The Audi TT Insurance Price Equation
Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are not quite as obvious like your vehicle usage or how financially stable you are. When buying car insurance it’s important to understand some of the things that aid in calculating your car insurance rates. If you have a feel for what determines premiums, this helps enable you to make changes that will entitle you to lower car insurance prices.
Listed below are a few of the “ingredients” companies use to determine rates.
- Alarm systems lower rates – Driving a car with advanced anti-theft systems can help bring down rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping vehicle theft.
- Pay less with a high safety rating – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Audi has at least four stars on Safercar.gov you may pay a lower rate.
- Rates and occupation – Do you have a high-stress occupation? Occupational choices like fire fighters, business owners, and emergency personnel tend to pay higher rates than the rest of us in part from intense work-related stress and incredibly demanding work hours. Other jobs such as professors, athletes and homemakers pay lower than average rates.
- Rate your vehicle for proper use – Driving more miles in a year the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Cars left parked in the garage can get a lower rate compared to those used for work or business. Incorrect rating for your TT is just wasting money. Double check that your policy reflects annual mileage, because improper ratings can cost you money.
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Audi TT insurance loss statistics – Auto insurance companies analyze claim trends for every vehicle to help determine the rate you pay. Vehicles that statistically have higher number or severity of losses will have higher rates for specific coverages.
The table below illustrates the insurance loss data for Audi TT vehicles. For each coverage type, the claim amount for all vehicles, regardless of make or model, is equal to 100. Percentage numbers below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate frequent claims or an increased likelihood of larger losses.
Insurance Loss Ratings for Audi TT Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi TT 2dr 4WD 168 111 Audi TTS 2dr 4WD 141 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons insurance is important
Despite the high cost of buying insurance for a Audi TT in Boston, paying for insurance serves an important purpose.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, most lenders will require you to have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi for a lot more money and force you to pay for the expensive policy.
- Insurance protects both your vehicle and your assets. It will also cover all forms of medical expenses that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying insurance are definitely more than the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying more than $865 each year so compare rates at every renewal to ensure rates are inline.
Affordable insurance premiums are possible
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.
Lower-priced insurance in Boston is definitely available on the web and with local Boston insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies don’t offer online price quotes and usually these smaller companies prefer to sell through local independent agents.
People switch companies for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, policy cancellation or denial of a claim. Regardless of your reason for switching companies, finding the right insurance provider can be easier than you think.
How to buy discount Audi TT insurance in Boston
The most effective way to find low-cost auto insurance rates is to compare prices at least once a year from insurers who sell insurance in Boston.
- Step 1: Get a basic knowledge of car insurance and the measures you can control to keep rates in check. Many factors that result in higher rates like at-fault accidents, speeding tickets, and poor credit can be remedied by paying attention to minor details.
- Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of companies.
- Step 3: Compare the quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current agent or company to cancel your current policy and submit a down payment and signed policy application to the new insurer. When you receive it, keep the new certificate verifying coverage somewhere easily accessible.
A good piece of advice is that you’ll want to compare identical coverage information on every quote and and to analyze as many different insurance providers as possible. This helps ensure a fair price comparison and the best price quote selection.
To read more, take a look at the resources below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Boston? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)