Finding cheaper insurance for a new or used Audi TTS in California could be difficult, but you can use the following methods to save time.
There is a better way to compare auto insurance rates and we’ll show you the quickest way to quote coverages on a Audi and locate the cheapest rates from San Diego insurance agents and online providers.
If you are insured now or are looking for a new policy, you can follow these tips to reduce premiums while maximizing coverage. Comparison shopping for the best protection in San Diego is not that difficult. Comparison shoppers just need to learn how to find the lowest price from many different companies.
Save money on Audi TTS insurance in San Diego with these nine car insurance discounts
Not many people think insurance is cheap, but you may be missing some discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be manually applied prior to receiving the credit.
- Active Military Service – Having a family member in the military could mean lower premium rates.
- Passive Restraint Discount – Options like air bags or motorized seat belts can receive discounts of 25 to 30%.
- Defensive Driver – Passing a safe driver class can save you 5% or more and make you a better driver.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- Save over 55 – Drivers over the age of 55 could receive a slight reduction on a San Diego car insurance quote.
- Discount for Home Ownership – Simply owning a home can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
- New Vehicle Savings – Insuring a vehicle that is new can save up to 30% because new vehicles are generally safer.
- Multiple Vehicles – Insuring multiple cars on the same car insurance policy may reduce the rate for each vehicle.
- Discount for Low Mileage – Driving fewer miles may allow you to get cheaper car insurance rates.
Drivers should understand that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.
To see a list of car insurance companies who offer cheap Audi TTS insurance quotes in San Diego in San Diego, click here.
The companies shown below offer price quotes in San Diego, CA. If the list has multiple companies, it’s highly recommended you visit several of them to get a more complete price comparison.
Don’t I need to get advice from an agent?
Some people would rather go talk to an agent and doing that can be a smart decision Agents are trained risk managers and will help you if you have claims. The biggest benefit of price shopping on the web is the fact that you can find the lowest rates but also keep your business local. And providing support for local agents is definitely important in San Diego.
To make it easy to find an agent, after completing this short form, your insurance data is immediately sent to participating agents in San Diego that can provide free San Diego car insurance quotes for your auto insurance coverage. You won’t need to drive around because prices are sent immediately to your email address. If you need to compare rates from a specific insurance company, feel free to navigate to their website and complete a quote there.
What types of car insurance agents are in San Diego?
If you are searching for a local insurance agency, it can be helpful to understand the types of agencies that you can choose from. Auto insurance agents are classified as either exclusive or independent (non-exclusive). Both can sell and service auto insurance coverage, but we need to point out the subtle differences since it can affect the kind of agent you use.
Independent Auto Insurance Agents
Agents that choose to be independent are not locked into one company and that gives them the ability to insure with an assortment of companies and potentially find a lower price. If you want to switch companies, an independent agent can move your coverage and you can keep the same agent.
When shopping rates, we recommend you get rate quotes from independent agents to have the best price comparison. Many write coverage with companies you’ve never heard of who may have lower rates.
Below is a list of independent insurance agencies in San Diego who may be able to give you free auto insurance rate quotes.
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
- Barney and Barney Insurance Services LLC
9171 Towne Centre Dr Suite 500 – San Diego, CA 92122 – (800) 321-4696 – View Map
- Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
Exclusive insurance agents write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are trained well in insurance sales which helps them compete with independent agents. Many people buy from the same agent for years partially due to the brand name and strong financial ratings.
The following are exclusive agents in San Diego who can help you get price quote information.
- Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915 – View Map
- State Farm: Wendy Phillips
3838 Camino Del Rio N #103 – San Diego, CA 92108 – (619) 563-0380 – View Map
- Mike Morrell – State Farm Insurance Agent
2207 Garnet Ave a – San Diego, CA 92109 – (858) 273-3001 – View Map
Finding the right auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:
- How many years have they been established?
- Is the agency active in community causes in San Diego?
- Is their price quote a firm figure or are their hidden costs?
- Will high miles depreciate repair valuations?
- Which company do they place the most coverage with?
- How much will you save each year by using a higher deductible?
- Are they paid to recommend certain coverages?
- Are all drivers listed on the coverage quote?
Educate yourself about car insurance coverages
Having a good grasp of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, fire damage and damage from flooding. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision insurance covers damage to your TTS resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your TTS to save money on collision insurance.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, surgery and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi TTS.
Because many people carry very low liability coverage limits (15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.
Liability auto insurance
This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things such as emergency aid, legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. California state minimum liability requirements are 15/30/5 but you should consider buying more liability than the minimum.
More quotes mean more auto insurance savings
Affordable Audi TTS insurance in San Diego is definitely available both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies may not have internet price quotes and usually these small insurance companies provide coverage only through independent agencies.
We covered many ideas to reduce Audi TTS insurance car insurance rates online in San Diego. It’s most important to understand that the more you quote San Diego car insurance, the higher your chance of finding cheaper San Diego car insurance quotes. Drivers may even discover the best price on auto insurance is with some of the smallest insurance companies.
Drivers leave their current company for many reasons like lack of trust in their agent, unfair underwriting practices, poor customer service and even questionable increases in premium. Whatever your reason, finding a great new company is not as difficult as it may seem.
For more information, feel free to browse the following helpful articles:
- Vehicle Safety Ratings (iihs.org)
- What Auto Insurance is Cheapest for Drivers Over Age 70 in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Equinox in San Diego? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)