Cheapest Rate Quotes for Audi TT Insurance in Chicago

If you’re looking for more affordable insurance online, do you get overwhelmed by the sheer number of car insurance companies in Chicago? Consumers have such a vast assortment of companies available that it can turn into a big hassle to find a cheaper company. If you’ve ever been there, you know that Chicago is a good city to live in, but pricey car insurance can make it hard for many drivers to keep a tight budget.

Unbelievable but true, a large majority of consumers have stayed with the same insurance company for more than four years, and 38% of drivers have never compared rate quotes at all. Illinois drivers could save themselves almost $600 a year, but they don’t know the rate savings if they swap their current policy for a cheaper one.

It’s a good idea to compare rates yearly because rates tend to go up over time. If you had the lowest premium rates on Audi TT insurance in Chicago on your last policy you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

The goal of this article is to help you learn the best ways to compare prices and also pocket some savings If you have a policy now, you will surely be able to get lower rates using the techniques covered below. Nevertheless, Illinois car owners must comprehend how big insurance companies determine how much to charge and apply this information to your search.

Companies offering competitive Audi TT rate quotes in Chicago, IL

The companies in the list below can provide free rate quotes in Chicago, IL. If multiple companies are listed, we suggest you click on several of them to find the lowest car insurance rates.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.

Deductible comparison

One frequently asked question is how high should the physical damage coverage deductibles be. The rates below may aid in understanding the price difference when you choose different coverage deductibles. The first data set uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific location which can lower or raise rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $14 more each month or $168 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 18 months between claims, you would probably save some money by going with a higher deductible. The table below illustrates the way this decision is made.

One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket when you file a claim. You should have enough money in the bank in order to pay the deductible for vehicle repair.

Take advantage of these discounts on Audi TT insurance in Chicago

Insuring your vehicles can cost a lot, but there may be some discounts that can dramatically reduce your bill. Certain credits will be shown when you get a quote, but some may not be applied and must be inquired about in order for you to get them.

• Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
• Telematics Discount – Insureds who allow their company to scrutinize where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could earn slightly better rates than normal.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you could earn a discount of 10% to 20% off each policy.
• Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Chicago car insurance quote.
• Homeowners Savings – Owning your own home or condo can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may get savings of up to 25% or more.
• Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic.

To view car insurance companies with discount rates in Chicago, click this link.

Six Things That Influence Your Insurance Costs

Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving history, but other factors are less apparent like your vehicle usage or your vehicle rating.

The itemized list below are some of the things utilized by car insurance companies to help set your rates.

• Rates may be higher where you live – Having an address in a rural area has it’s advantages when it comes to car insurance. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities regularly have more auto accidents and longer commutes to work. More time commuting means higher likelihood of an accident.
• Are males or females drivers cheaper? – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. They both get in accidents at about the same rate, but guys tend to have more serious accidents. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Put fewer miles on your vehicle – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most companies charge to insure your cars partially by how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than cars that get driven a lot. Incorrect rating for your TT can cost quite a bit. Double check that your car insurance policy shows the correct driver usage, because it can save money.
• Drive a fast car, truck or SUV and pay more – The performance of the car or truck you are insuring makes a substantial difference in the rate you pay. Due to the fact that the Audi TT is classified as a luxury sports car, insuring your vehicle will cost up to twice as much when compared to the average rates in Chicago. Lower cost passenger models usually have the lowest rates, but your final cost has many other factors.
• With age comes responsibility – Drivers with little experience have a tendency to be easily distracted when driving with friends and because of this, their car insurance rates are much higher. Parents adding a youthful driver to your policy can break the bank. Mature drivers are shown to be more cautious, cost insurance companies less in claims, and are safer drivers.
• Get a ticket, pay higher prices – How you drive impacts premiums far more than you think. Having a single citation can increase the cost of insurance substantially. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have flagrant violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state in order to prevent a license revocation.
• Audi TT claim statistics – Insurers include the past claim trends for vehicles to calculate a price that will offset any claims. Models that the statistics show to have increased claim numbers or amounts will have a higher premium rate. The next table illustrates the compiled insurance loss statistics for Audi TT vehicles.

  For each coverage type, the claim amount for all vehicles averaged together is equal to 100. Values below 100 suggest a better than average loss history, while values over 100 show a trend for more claims or an increased likelihood of larger losses.

  Audi TT Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi TT 2dr 4WD	168		111
  Audi TTS 2dr 4WD	141

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Shop online but buy locally

Certain consumers still like to visit with an insurance agent and that is not a bad decision The biggest benefit of comparing insurance prices online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to. Buying from neighborhood insurance agencies is especially important in Chicago.

To help locate an agent, after submitting this quick form, your coverage information is instantly submitted to local insurance agents who can give free rate quotes for your business. You won’t even need to search for any insurance agencies as quotes are delivered directly to your email. Get lower rates without requiring a lot of work. In the event you want to compare prices for a specific company, you can always visit that company’s website and submit a quote form there.

When finding a reliable agent, there are two different types of agents and how they are distinctly different. Auto insurance agents can be categorized as either exclusive agents or independent agents.

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent do not work for one specific company and that gives them the ability to insure amongst many companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company and you don’t have to switch agencies. If you need cheaper auto insurance rates, we recommend you get insurance quotes from at a minimum one independent agency to have the best price comparison. They also have the ability to place coverage with small regional insurance companies that may have much lower rates than larger companies.

The following is a short list of independent agents in Chicago who may be able to give you price quote information.

• Urban Insurance Agency
  800 W Huron St #301 – Chicago, IL 60642 – (312) 664-8088 – View Map
• Serpe Insurance Agency
  2538 N Lincoln Ave – Chicago, IL 60614 – (773) 871-0808 – View Map
• Zeiler Insurance Services, Inc.
  3660 E 106th St – Chicago, IL 60617 – (773) 375-3600 – View Map

More insurance agents

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agents receive extensive training on their products and sales techniques which aids in selling service over price. Drivers often use the same agent mainly due to the brand legacy instead of buying on price only.

The following are exclusive insurance agencies in Chicago who can help you get price quotes.

• Allstate Insurance: Maribel Marron
  3060 W Armitage Ave – Chicago, IL 60647 – (773) 572-9495 – View Map
• Jim Tom – State Farm Insurance Agent
  4317 N Lincoln Ave – Chicago, IL 60618 – (773) 477-3300 – View Map
• Sylvia Torres Underhill – State Farm Insurance Agent
  2422 S Oakley Ave – Chicago, IL 60608 – (773) 376-1166 – View Map

More insurance agents

Choosing an car insurance agent is decision based upon more than just the quoted price. A good agent in Chicago will have answers to these questions.

• Where would your vehicle be repaired?
• Does the agent help file claims?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are there any discounts that you might be missing?
• Are there any extra charges for paying monthly?

The ad said I’d save $396 a year!

Well-known auto insurance companies like Progressive, Allstate and GEICO constantly bombard you with television, radio, and online ads. All the companies make the point that you’ll save big if you just switch your policy. Is it even possible that every company can say the same thing? It’s all in how they say it.

Insurance companies have specific criteria for the type of customer that will most likely be profitable. For instance, this type of insured may be over the age of 45, has other policies, and drives a safe vehicle. A driver who matches those parameters will most likely get cheap premium rates and will most likely cut their rates substantially.

Potential insureds who fall short of the ideal profile will be charged a higher premium which leads to business going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can truthfully make it sound like they have such great premium rates.

Different companies use different criteria so drivers must get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Do the work, save more money

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price and still be able to protect your assets.

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, delays in paying claims, high prices or even denial of a claim. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

Lower-priced car insurance in Chicago can be purchased online and with local Chicago insurance agents, and you should compare price quotes from both to have the best selection. A few companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

Helpful articles

• What to do at the Scene of an Accident (Insurance Information Institute)
• Who Has Cheap Car Insurance Quotes for 18 Year Olds in Chicago? (FAQ)
• Car Insurance: When not to Skimp (BankRate.com)
• State Laws for Cellphones and Texting (iihs.org)
• Vehicle Safety Ratings (iihs.org)