Trying to find cheaper insurance for an Audi TTS in Indiana can normally be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find car insurance online and you need to know the absolute fastest way to quote coverages for a Audi and obtain the lowest possible price.
Companies offering Audi TTS insurance in Indiana
The following companies can provide free quotes in Indiana. If you wish to find the best car insurance in Indiana, we suggest you visit several of them in order to find the most affordable rates.
Get cheap rates on Audi TTS insurance in Fort Wayne with these auto insurance discounts
Companies don’t list all their discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known credits that you can use to lower your rates.
- Discount for Swiching Early – A few insurance companies allow discounts for switching companies before your current TTS insurance policy expires. You can save around 10% with this discount.
- Paper-free Discount – A handful of larger companies will provide an incentive get Fort Wayne auto insurance on the web.
- Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class as it can save substantially.
- Buy New and Save – Putting auto insurance coverage on a new TTS can save up to 30% because newer models are generally safer.
- Accident Free – Claim-free drivers get the best auto insurance rates when compared to insureds who have frequent claims or accidents.
- Anti-lock Brake Discount – Vehicles with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
- Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of up to 20% off your total TTS insurance premium.
- Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for cheaper prices.
- Homeowners Savings – Owning a home in Fort Wayne may trigger a policy discount on auto insurance because of the fact that having a home is proof of financial responsibility.
- Student Discounts – Performing well in school can save 20 to 25%. You can use this discount normally until age 25.
A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will definitely lower your policy premiums.
Companies and some of the discounts are:
- Farm Bureau has discounts for youthful driver, safe driver, driver training, good student, multi-vehicle, 55 and retired, and renewal discount.
- MetLife may have discounts that include good student, claim-free, accident-free, defensive driver, and multi-policy.
- Progressive includes discounts for homeowner, online signing, multi-policy, online quote discount, good student, multi-vehicle, and continuous coverage.
- AAA discounts include AAA membership discount, good driver, pay-in-full, education and occupation, multi-car, anti-theft, and multi-policy.
- American Family may include discounts for defensive driver, TimeAway discount, bundled insurance, good student, and mySafetyValet.
- GEICO policyholders can earn discounts including good student, defensive driver, membership and employees, daytime running lights, anti-theft, air bags, and military active duty.
- State Farm offers discounts including good student, Drive Safe & Save, safe vehicle, anti-theft, and driver’s education.
If you want affordable Audi TTS insurance quotes, ask all companies you are considering the best way to save money. Some discounts listed above may not apply in Fort Wayne. To find auto insurance companies offering auto insurance discounts in Indiana, follow this link.
Why Your Insurance Premiums might be higher
Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your continuous coverage or your financial responsibility. Part of the car insurance buying process is learning the factors that are used to determine your premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may result in lower rates.
Raise your comp and collision deductibles for better premiums – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your Audi. Some coverage claims could be a broken windshield, damage from fire, and rolling your vehicle. Comprehensive and collision coverage deductibles define how much you are required to spend if the claim is covered. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Proper usage rating affects rates – The higher the miles on your Audi in a year’s time the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how much you drive. Vehicles that have low annual miles receive better premium rates than cars that get driven a lot. An improperly rated TTS can result in significantly higher rates. Ask your agent if your policy properly reflects how each vehicle is driven.
Always keep your car insurance in force – Driving your car without having proper coverage is a big no-no and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, the inability to provide proof of insurance may earn you a revoked license or a big fine.
Costs for men may be higher – Statistics show that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Men and women cause at-fault accidents at a similar rate, but guys have accidents that have higher claims. They also get ticketed for serious violations like DWI (DUI) or reckless driving.
Performance influences insurance premiums – The type of car, truck or SUV you need insurance for makes a big difference in the rate you pay. Lower performance four cylinder passenger cars usually have the lowest rates, but your final cost has many other factors.
Single drivers may have higher premiums – Walking down the aisle can get you a discount compared to being single. It usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
Does your job raise your prices? – Jobs such as military generals, social workers, and miners have higher premium rates attributed to stressful work requirements and long work days. Conversely, jobs such as actors, engineers and the unemployed have lower than average premiums.
Where you live – Living in areas with lower population can save you money when insuring your vehicles. Residents of big cities regularly have more auto accidents and higher rates of accident claims. Less people means a lower chance of having an accident and a lower car theft rate.
Audi TTS insurance loss statistics – Insurers analyze historical claim data to calculate a rate that will offset any claims. Vehicles that have higher frequency or amount of claims will have a higher premium rate.
The table below demonstrates the actual insurance loss data for Audi TTS vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 point to more losses or larger claims.
| Vehicle 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
Don’t I need to talk to an insurance agency?
Certain consumers would rather visit with an insurance agent and that can be a great decision Agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing car insurance online is you may find cheap car insurance quotes and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your coverage information is sent to agents in your area who will give competitive quotes to get your business. You won’t need to visit any agencies because prices are sent to your email. If for some reason you want to compare prices from one company in particular, just jump over to their website and submit a quote form there.
Selecting an provider requires you to look at more than just a cheap price. Before buying a policy in Fort Wayne, get answers to these questions.
- Does the agency have a current Errors and Omissions policy?
- Will they take your side in the event of a claim?
- Can you contact them at any time?
- Do they reduce claim amounts on high mileage vehicles?
- Has the agent ever had any license suspensions?
- By raising physical damage deductibles, how much would you save?
- What company do they have the most business with?
Is an exclusive or independent car insurance agent right for you?
If you are wanting to find a local insurance agency, you should know the different types of agents that you can choose from. Agencies in Fort Wayne can be described as either exclusive or independent (non-exclusive). Either one can sell and service car insurance coverage, but we need to point out the differences because it can impact the type of agent you choose.
Exclusive Agents
Exclusive agencies have only one company to place business with such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are trained well on their products and sales techniques and that allows them to sell at a higher price point. A lot of people buy from the same agent for years mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in Fort Wayne willing to provide comparison quotes.
- Allstate Insurance: Darren Vogt
5830 E State Blvd – Fort Wayne, IN 46815 – (260) 493-3507 – View Map - Scott Robinson – State Farm Insurance Agent
4705 Illinois Rd Ste 100 – Fort Wayne, IN 46804 – (260) 744-3218 – View Map - Allstate Insurance: Steven Westrick
8938 Lima Rd Suite R – Fort Wayne, IN 46818 – (260) 489-3977 – View Map
Independent Car Insurance Agencies
These agents are normally appointed by many insurers so they have the ability to put coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. If you are comparing rate quotes, we recommend you include rate quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with different regional companies which can save you money.
Shown below are Fort Wayne independent agencies willing to provide price quotes.
- Short Associates, Inc.
2855 E Dupont Rd – Fort Wayne, IN 46825 – (260) 482-7077 – View Map - Mathews Insurance Agency, Inc.
807 Lincoln Hwy W – New Haven, IN 46774 – (260) 749-9696 – View Map - Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map
Fort Wayne car insurance companies ranked
Ending up with the top auto insurance company is difficult considering how many different companies there are to choose from in Indiana. The information shown next can help you decide which coverage providers you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Persistence is the key to cheap rates
Throughout this article, we presented many tips how you can find cheaper Audi TTS insurance in Fort Wayne. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest car insurance rates are with a lesser-known regional company.
The cheapest Audi TTS insurance in Fort Wayne is attainable both online as well as from independent agents in Fort Wayne, so you should compare both to get a complete price analysis. A few companies do not offer the ability to get quotes online and these small, regional companies provide coverage only through independent insurance agencies.
Drivers switch companies for any number of reasons including policy cancellation, delays in responding to claim requests, denial of a claim or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new auto insurance company can be less work than you think.
Steps to saving money on Audi TTS insurance in Fort Wayne
The easiest way to find low-cost Audi TTS insurance is to compare prices once a year from insurance carriers in Fort Wayne. Rates can be compared by completing these steps.
- First, get an understanding of how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many rating criteria that drive up the price like speeding tickets, careless driving and a substandard credit score can be eliminated by making minor changes to your lifestyle.
- Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates for many different companies. View prices
- Third, compare the new rates to your existing rates to determine if switching companies saves money. If you can save some money and change companies, make sure there is no lapse in coverage.
- Fourth, give notification to your agent or company to cancel your current coverage. Submit a signed application and payment to the new insurer. As soon as you receive it, store the certificate of insurance in an accessible location in your vehicle.
A good piece of advice is to make sure you’re comparing the same deductibles and limits on every price quote and and to get price estimates from as many companies as possible. Doing this provides an apples-to-apples comparison and maximum price selection.
To read more, take a look at the following helpful articles:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Car Insurance is Cheapest for Teenagers in Fort Wayne? (FAQ)
- How Much are Fort Wayne Auto Insurance Quotes for a Hyundai Santa Fe? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Good Credit in Fort Wayne? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Auto Insurance FAQ (Farmers Insurance)
- How to Avoid Common Accidents (State Farm)