Compare Audi TT Insurance Quotes in Tampa

It takes a few minutes, but the best way to get affordable car insurance rates in Tampa is to regularly compare price quotes from different companies in Florida. This can be done by completing these steps.

1. Spend some time learning about what is in your policy and the changes you can make to prevent expensive coverage. Many policy risk factors that drive up the price like careless driving and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of insurance providers.
3. Compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you find a better price and switch companies, ensure coverage does not lapse between policies.

One piece of advice is to try to use similar limits and deductibles on every quote request and and to get rates from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a complete rate analysis.

Everyone knows that auto insurance companies don’t want customers comparing rates. Drivers who perform rate comparisons are inclined to switch to a new company because there is a good chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who compared prices once a year saved over $70 a month compared to drivers who never shopped around for lower prices.

If finding low prices for Audi TT insurance in Tampa is the reason for your visit, knowing how to shop and compare insurance rates can help make the process easier.

When price shopping your coverage, getting more free quotes helps increase your odds of locating lower pricing. Some companies don’t provide online rate quotes, so it’s important to compare price estimates from them as well.

The following companies can provide free quotes in Tampa, FL. To buy the best auto insurance in Florida, we recommend you visit two to three different companies to get the lowest price.

Three good reasons to insure your vehicle

Despite the fact that car insurance is not cheap in Tampa, insuring your vehicle may not be optional for several reasons.

• Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Audi at an extremely high rate and require you to pay for the expensive policy.
• Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. As of last year, the average driver in Florida overpays as much as $865 each year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.

Statistics and details

The data table shown below highlights different coverage prices for Audi TT models. Learning as much as possible about how auto insurance policy rates are figured can help you make smart choices when buying a policy.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can increase or decrease premium rates considerably.

Deductible analysis

One frequently asked question is which comprehensive and collision deductibles to buy. The comparison tables below may help to conceptualize the differences in premium rates when you choose different coverage deductibles. The first table uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific Tampa garaging location which can influence rates substantially.

Based on the data above, we can derive that using a $100 deductible costs about $39 more each month or $468 a year than selecting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 10 months between claims, you would probably save some money if you elect the higher deductible.

Males versus Females

The information below illustrates the difference between Audi TT annual premium costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no other discounts are factored in.

Insurance policy discounts you can’t miss

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of a few of the more well known and the harder-to-find discounts that you may qualify for.

• Homeowners Savings – Being a homeowner can earn you a little savings since home ownership shows financial diligence.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
• Club Memberships – Joining a civic or occupational organization in Tampa could trigger savings on your next insurance statement.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of 20 to 30 percent.
• Military Deployment Discount – Having an actively deployed family member may lower your prices slightly.
• Driver Safety – Taking a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Multi-line Discount – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
• Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident without raising rates if you are claim-free for a specific time period.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help reduce the cost of coverage.

The diagram below illustrates the difference between Audi TT insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

Large insurance companies and some of the premium reductions they offer can be read below.

• Farm Bureau has savings for safe driver, good student, multi-policy, youthful driver, and 55 and retired.
• MetLife may include discounts for multi-policy, claim-free, accident-free, defensive driver, good student, good driver
• Progressive includes discounts for homeowner, online quote discount, continuous coverage, online signing, multi-vehicle, and good student.
• AAA offers premium reductions for AAA membership discount, good student, multi-policy, multi-car, and education and occupation.
• American Family policyholders can earn discounts including air bags, accident-free, good student, Steer into Savings, and good driver.
• GEICO may offer discounts for air bags, multi-vehicle, multi-policy, anti-lock brakes, and anti-theft.
• State Farm has discounts for Drive Safe & Save, multiple autos, accident-free, defensive driving training, passive restraint, and driver’s education.

When getting a coverage quote, ask every company which discounts you may be entitled to. Some discounts listed above may not apply to policies in Tampa.

Buying from insurance agencies

Certain consumers would prefer to buy from a licensed agent and we recommend doing that The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have a local agent. And supporting small agencies is still important in Tampa.

Once you complete this short form, the coverage information is submitted to local insurance agents in Tampa that can give you free Tampa auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go to you. You can most likely find cheaper rates without requiring a lot of work. If you have a need to quote rates from a specific car insurance provider, just visit that company’s website to submit a rate quote request.

If you are wanting to purchase car insurance from a reliable agent, there are two types of agencies and how they operate. Car insurance agents in Tampa can be categorized as either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Agents of this type do not sell for just one brand so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house and you stay with the same agent.

If you are trying to find cheaper rates, you absolutely need to include several independent agencies to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with which can save you money.

Featured below are independent insurance agents in Tampa who may be able to give you free car insurance quotes.

• Mesa Insurance Agent
  Tampa, FL 33603 – Tampa, FL 33603 – (813) 442-4179 – View Map
• Mynatt Insurance Agency
  1316 W Busch Blvd – Tampa, FL 33612 – (813) 932-5511 – View Map
• A Complete Insurance Agency
  5008 W Linebaugh Ave – Tampa, FL 33624 – (813) 865-9000 – View Map

More Tampa agents

Exclusive Insurance Agents

Exclusive insurance agents work for only one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so always compare other rates. These agents are well schooled on sales techniques which helps them sell on service rather than price. Some people will only buy from exclusive agents mainly due to the prominence of the brand and strong financial ratings.

Below are Tampa exclusive insurance agents who can help you get price quote information.

• Joyce Coleman – State Farm Insurance Agent
  8221 Parkedge Dr – Tampa, FL 33637 – (813) 975-1866 – View Map
• Lang Adams – State Farm Insurance Agent
  5051 Memorial Hwy – Tampa, FL 33634 – (813) 243-1300 – View Map
• Robin Simmons – State Farm Insurance Agent
  2425 S Dale Mabry Hwy a – Tampa, FL 33629 – (813) 258-2828 – View Map

More Tampa agents

Finding the right insurance agent requires you to look at more than just the quoted price. These are some questions your agent should answer.

• Will they give you a referral list?
• Is coverage determined by price?
• How would your car be valued if totaled?
• Are claims handled at the agent’s location?
• Are all drivers listed on the coverage quote?

Your insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

• Who is covered when they drive my Audi TT?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How can I get the company to pay a claim?
• Am I covered when driving in Canada or Mexico?
• Can I afford to buy a different vehicle if my Audi TT is totaled?
• Do I need an umbrella policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance companies ranked

Selecting the top insurance provider can be challenging considering how many different companies there are to choose from in Florida. The company rank data listed below can help you pick which insurers you want to consider when comparing rates.

In Summary

You just learned some good ideas how to reduce Audi TT insurance prices online in Tampa. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In many cases, someone dropped liability coverage limits and learned later that the savings was not a smart move. Your focus should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

Cheaper car insurance in Tampa is definitely available online and from local agencies, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and most of the time these smaller companies sell through independent agents.

More detailed car insurance information can be found by following these links:

• Keeping Children Safe in Crashes Video (iihs.org)
• What Car Insurance is Cheapest for Young Drivers in Tampa? (FAQ)
• Who Has Cheap Auto Insurance for a School Permit in Tampa? (FAQ)
• What Insurance is Cheapest for Police Officers in Tampa? (FAQ)
• How Much are Tampa Car Insurance Rates for a Nissan Sentra? (FAQ)
• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)