Are you tired of trying to find the cheapest Audi TTS insurance in Chicago? Did you make the mistake of buying high-priced Audi TTS insurance in Chicago? Trust us, there are lots of Chicago residents who feel the same.
Shocking but true, a large majority of drivers kept their policy with the same company for at least four years, and about 40% of consumers have never quoted rates to find cheap coverage. Illinois drivers can cut their rates by up to $586 a year, but they just assume it's a time-consuming process to go online and compare rates. Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest cost out there.
These seven discounts can lower your insurance quotes
Some companies don't list all available discounts very clearly, so we researched some of the more common and the more hidden credits available to you.
- Theft Deterrent Discount - Cars and trucks that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Smart Student Discounts - Excelling in school may save as much as 25% on a Chicago car insurance quote. Many companies even apply the discount to college students well after school through age 25.
- Telematics Data Discounts - Insureds that choose to allow companies to track vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot may get a rate reduction if they have good driving habits.
- Senior Citizens - Older drivers are able to get a small discount on rates.
- E-sign Discounts - A few larger online companies give back up to $50 shop Chicago car insurance on the web.
- Active Service Discounts - Being deployed in the military could mean lower premium rates.
- Membership in Organizations - Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
It's important to note that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, it just doesn't work that way.
Larger insurance companies and their offered discounts are:
- Mercury Insurance offers discounts including type of vehicle, age of vehicle, good student, annual mileage, good driver, and accident-free.
- Farmers Insurance offers premium reductions for teen driver, youthful driver, homeowner, bundle discounts, good student, and switch companies.
- Farm Bureau policyholders can earn discounts including 55 and retired, renewal discount, safe driver, driver training, and youthful driver.
- State Farm may offer discounts for multiple policy, good student, good driver, defensive driving training, Drive Safe & Save, multiple autos, and anti-theft.
- Allstate has discounts for economy car, early signing, senior citizen, defensive driver, and good payer.
- GEICO has savings for emergency military deployment, multi-policy, anti-theft, five-year accident-free, anti-lock brakes, good student, and military active duty.
If you want affordable Chicago car insurance quotes, ask each company how you can save money. Some discounts listed above may not be available in Chicago. To see a list of insurance companies that offer some of these discounts in Illinois, click here to view.
The quickest way to compare policy rates for Audi TTS insurance in Chicago is to know the fact auto insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information including whether you have decent credit, driver ages, the year, make and model of vehicles, and if you are currently licensed. That information is instantly sent to many of the top insurers and they return quotes very quickly.
To find the cheapest Audi TTS insurance rates, click here and enter your zip code.
The following companies provide comparison quotes in Illinois. If several companies are displayed, we recommend you compare several of them to get the best price comparison.
When to get professional advice
When buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you would benefit from an agent's advice.
- At what point should I drop full coverage?
- Is rental equipment covered for theft or damage?
- Who does medical payments coverage extend to?
- Is business property covered if stolen from my car?
- Should I file a claim if it's only slightly more than my deductible?
- Do I have coverage if I rent a car in Mexico?
- Is water damage covered by my policy?
If you're not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.
Car insurance agents near you
Some consumers just want to get professional advice from a licensed agent and doing so can bring peace of mind Experienced insurance agents are highly skilled in risk management and help submit paperwork. The biggest benefit of comparing rates online is that you can obtain better rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your information is immediately sent to local insurance agents in Chicago that can provide free Chicago car insurance quotes for your coverage. There is no need to visit any agencies because quoted prices will be sent directly to you. If you wish to get a rate quote from a specific auto insurance provider, just go to their quote page and give them your coverage information.
Finding a good insurance company should include more criteria than just a low price. A good agent in Chicago will have answers to these questions.
- Are they involved in claim handling?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agency active in community causes in Chicago?
- Will they take your side in the event of a claim?
- What companies can they write with?
- Is there a Errors and Omissions policy in force?
If you need to find a local agent, you must know there are a couple different agency structures that you can select. Auto insurance agents can be classified as either independent (non-exclusive) or exclusive. Either one can write auto insurance policies, but it's worth learning how they are different since it can impact which type of agent you select.
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company's prices and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so it's a take it or leave it situation. These agents are usually well trained in insurance sales which aids in selling service over price.
Below is a list of exclusive insurance agencies in Chicago who can help you get price quotes.
Independent Auto Insurance Agents
Agents of this type do not sell for just one brand so they can insure your vehicles with any number of different companies and find you the best rates. If they find a cheaper price, they simply move your policy to a different company and you stay with the same agent. When comparing auto insurance prices, it's a good idea to compare prices from independent agents to get the most accurate price comparison.
Below are independent agents in Chicago that can give you comparison quotes.
Protect more than your Audi TTS
Despite the high insurance cost for a Audi TTS in Chicago, insurance may be required and benefits you in several ways.
- Most states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage in order to drive the car. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Audi, it's most likely the lender will stipulate that you have full coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Audi at a much higher premium rate and require you to fork over for it.
- Insurance safeguards your Audi and your assets. Insurance will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your TTS definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $865 each year so we recommend shopping around at every policy renewal to save money.
Coverages available on your auto insurance policy
Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you'll find typical coverage types found on the average auto insurance policy.
Collision coverage - This will pay to fix damage to your TTS resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible on your TTS to save money on collision insurance.
Comprehensive coverages - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a deer, vandalism, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, X-ray expenses, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability coverages - Liability coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people's claims. Liability doesn't cover your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 20/40/15 that means you have $20,000 bodily injury coverage, a limit of $40,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability can pay for claims like funeral expenses, court costs, attorney fees, loss of income and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford. Illinois state minimum liability requirements are 20/40/15 but you should consider buying more liability than the minimum.
Uninsured and underinsured coverage - This provides protection when the "other guys" do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi TTS.
Because many people only carry the minimum required liability limits (Illinois limits are 20/40/15), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Persistence pays off
We just showed you a lot of ways to find cheaper Audi TTS insurance in Chicago. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding inexpensive Chicago car insurance quotes. You may even be surprised to find that the best rates are with a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.
Cheaper car insurance in Chicago is attainable both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these smaller providers only sell coverage through local independent agents.
When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced collision coverage only to regret they didn't purchase enough coverage. The aim is to buy enough coverage at the best price while still protecting your assets.
Additional car insurance information can be found on the following sites:
- Older Drivers FAQ (iihs.org)
- Who Has Affordable Chicago Auto Insurance for a Honda CR-V? (FAQ)
- Who Has Cheap Auto Insurance Rates for Veterans in Chicago? (FAQ)
- How Much are Car Insurance Rates for Drivers Requiring a SR22 in Chicago? (FAQ)
- Who Has Affordable Car Insurance Quotes for a GMC Sierra in Chicago? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)