Are you drained from sacrificing other expenses to pay car insurance each month? Your situation is no different than many other California drivers.
Anyone knows that auto insurance companies want to keep your business as long as possible. Consumers who perform rate comparisons will, in all likelihood, switch companies because they stand a good chance of finding a more affordable policy premium. A recent survey found that drivers who compared rates regularly saved as much as $70 a month compared to those who never shopped around.
If saving money on insurance in Los Angeles is the reason you’re here, then having a good understanding the best ways to find and compare cheaper coverage can make it easier to find better rates.
Popular companies such as GEICO and Progressive persitently shower you with ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.
It is always a good idea to do rate comparisons periodically because car insurance prices change regularly. Even if you got the lowest price on Audi TTS insurance in Los Angeles on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money on Audi TTS insurance in Los Angeles.
The quickest method to get policy rate comparisons for Audi TTS insurance in Los Angeles takes advantage of the fact most larger insurance companies participate in a system to quote your coverage. The only thing you need to do is give them some information including your education level, your occupation, an estimate of your credit level, and driver ages. That rating information gets sent immediately to multiple car insurance providers and you should receive rate quotes instantly to find the best rate.
To get price quotes for your Audi TTS now, click here and enter your zip code.
The car insurance companies shown below are ready to provide free quotes in California. If the list has multiple companies, we recommend you visit two to three different companies to get a more complete price comparison.
These discounts can lower your car insurance quotes
Car insurance is expensive, but there could be available discounts that you may not know about. Many of these discounts will be applied automatically when you complete an application, but a few must be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.
- Federal Employees – Active or former government employment can save as much as 8% but check with your company.
- Save with More Vehicles Insured – Insuring multiple cars with the same company may reduce the rate for each vehicle.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
- Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
- Use Seat Belts – Drivers who require all occupants to use a seat belt can save a little off the medical payments premium.
- New Vehicle Savings – Putting coverage on a new TTS may earn a small discount since new model year vehicles are generally safer.
- Fewer Miles Equal More Savings – Keeping the miles down on your Audi can earn discounted rates on garaged vehicles.
You should keep in mind that most discounts do not apply to the whole policy. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.
A few popular companies and a partial list of their discounts include:
- GEICO has discounts for defensive driver, multi-vehicle, good student, federal employee, and air bags.
- Travelers may have discounts that include driver training, multi-policy, multi-car, hybrid/electric vehicle, early quote, and save driver.
- Farm Bureau policyholders can earn discounts including multi-vehicle, good student, driver training, youthful driver, multi-policy, 55 and retired, and safe driver.
- Liberty Mutual offers premium reductions for teen driver discount, safety features, newly retired, new move discount, multi-policy, and multi-car.
- American Family may include discounts for air bags, Steer into Savings, mySafetyValet, good driver, defensive driver, and good student.
- Progressive may offer discounts for multi-vehicle, continuous coverage, homeowner, good student, online quote discount, multi-policy, and online signing.
Double check with each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in Los Angeles. If you would like to choose from a list of insurers with the best discounts in Los Angeles, click this link.
Why Your Insurance Prices might be higher
Many things are used when premium rates are determined. A few of the factors are predictable like your driving record, but others are not as apparent such as whether you are married or how safe your car is. Consumers need to have an understanding of the factors that help calculate your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that could help you find better auto insurance rates.
High physical damage deductibles reduce rates – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Audi. Some examples of covered claims are a broken windshield, flood damage, and windstorm damage. Comprehensive and collision coverage deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the lower your rates will be.
More stress means more cost – Occupational choices like doctors, executives, and miners generally pay higher premium rates attributed to intense work requirements and incredibly demanding work hours. On the other hand, jobs like professors, athletes and homemakers pay lower than average rates.
Safety ratings are a factor – Safer cars are cheaper to insure. Vehicles engineered for safety protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Audi TTS has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Premiums increase with driving tickets – Having a clean driving record impacts premiums far more than you think. Having just one chargeable violation may cause rates to rise by as much as twenty percent. Attentive drivers tend to pay less for car insurance as compared to those with violations. Drivers with license-revoking tickets like DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Can a thief steal your car? – Selecting a car model with advanced anti-theft systems can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
Annual mileage and car insurance rates – The higher the mileage driven annually the higher your rate. The majority of insurers apply a rate based on their usage. Cars that do not get driven very much receive better premium rates than those that get driven frequently. It’s a smart idea to ensure your policy is showing the correct usage for each vehicle, because improper ratings can cost you money. Incorrect rating for your TTS may be costing you.
Your location is a factor – Choosing to live in a small town can be a good thing when buying auto insurance. People in densely populated areas have more traffic problems and higher rates of accident claims. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims.
Never let your coverage expire – Driving any period of time without insurance is not a good idea and companies may charge more for letting your coverage have a gap. Not only will rates go up, the inability to provide proof of insurance could result in a steep fine or even jail time.
Audi TTS insurance claim data – Insurers include the past claim history for a vehicle when they file their rates in each state. Vehicles that the data determines to have higher claim amounts or frequency will have higher rates for specific coverages. The data below shows the insurance loss data for Audi TTS vehicles.
For each insurance policy coverage type, the loss probability for all vehicles averaged together is represented as 100. Values that are under 100 represent a good loss history, while values over 100 indicate more frequent losses or an increased likelihood of larger losses.
|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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Shop online but buy locally
Many drivers just prefer to buy from a local agent and that can be a great decision One of the great benefits of comparing car insurance online is that drivers can save money and get better rates and still choose a local agent. And supporting neighborhood insurance agencies is important especially in Los Angeles.
For easy comparison, once you complete this form (opens in new window), your insurance data is instantly submitted to participating agents in Los Angeles that can give you free Los Angeles auto insurance quotes for your car insurance coverage. There is no need to contact any agents due to the fact that quote results will go to you instantly. It’s the lowest rates and work with a local agent. If you have a need to quote rates from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.
If you prefer to buy car insurance from a good Los Angeles insurance agent, it’s helpful to know the different types of agencies and how they can quote your rates. Car insurance agencies are classified as either exclusive or independent (non-exclusive).
Independent Car Insurance Agencies or Brokers
These agents are not required to write business for one company so they can write business with many different companies and get the cheapest rates. If prices rise, your agent can just switch to a different company and you stay with the same agent. When comparing car insurance prices, you will want to check rates from a couple of independent agencies in order to have the best price comparison.
Below is a short list of independent insurance agents in Los Angeles who can help you get cheap rate quotes.
Agents that choose to be exclusive can usually just insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on sales techniques which aids in selling service over price.
Shown below is a list of exclusive insurance agents in Los Angeles that can give you comparison quotes.
Picking the best insurance agent needs to be determined by more than just the quoted price. Before buying a policy in Los Angeles, get answers to these questions.
- What company do they have the most business with?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How are claims handled?
- Are they actively involved in the community?
- How would your car be valued if totaled?
- What are their preferred companies if they are an independent agency?
After you get reasonable responses to these questions and a good coverage price, you may have just found an insurance agent that will provide car insurance coverage. Just remember you have the power to cancel your coverage at any time so don’t assume you are locked into your new company for any length of time.
Be persistent to save money
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits and discovered at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.
You just learned many tips how you can shop for Audi TTS insurance online. The key concept to understand is the more times you quote, the higher your chance of finding affordable Audi TTS insurance quotes. You may even discover the most savings is with the smaller companies. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.
More learning opportunities
- Event Data Recorders FAQ (iihs.org)
- What Auto Insurance is Cheapest for a Toyota 4Runner in Los Angeles? (FAQ)
- Who Has Affordable Los Angeles Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)