Auto Insurance Rate Quotes for an Audi TT in Irvine

It’s easy to assume that auto insurance companies don’t want you comparing rates. Insureds who get price quotes annually are highly likely to buy a different policy because the odds are good of finding a more affordable policy. A recent survey found that drivers who compared prices once a year saved about $3,400 over four years as compared to drivers who never compared other company’s rates.

If finding the lowest price on auto insurance in Irvine is your goal, then having a grasp of how to get price quotes and compare coverages can help you succeed in finding affordable rates.

The easiest way to get low-cost car insurance rates in Irvine is to do a yearly price comparison from companies who provide car insurance in California. Drivers can shop around by completing these steps.

1. Gain an understanding of how insurance works and the things you can change to keep rates down. Many policy risk factors that cause high rates like accidents, traffic tickets, and a substandard credit score can be amended by making minor driving habit or lifestyle changes.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple sources. Get quotes now
3. Compare the new quotes to your current policy to see if a cheaper price is available in Irvine. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.

The most important part of shopping around is to use similar limits and deductibles on every quote request and and to get price quotes from every company you can. Doing this guarantees a fair rate comparison and the best price quote selection.

Best Audi TT insurance rate quotes in California

The companies shown below are our best choices to provide comparison quotes in California. To buy the best auto insurance in California, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Audi TT insurance analysis

The information displayed below outlines estimates of policy rates for Audi TT models. Having a better understanding of how car insurance premiums are calculated can assist in making decisions when shopping around.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific Irvine garaging location which can raise or lower price quotes substantially.

Choosing deductibles

One of the more difficult decisions when buying insurance is which deductible level should you buy. The following tables illustrate how much more rates are between high and low comp and collision deductibles. The first data set uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific location which can raise or lower auto insurance rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $62 more each month or $744 each year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 15 months between claims, you would save more money going with the higher deductible.

The chart below illustrates how choosing a deductible and can change Audi TT insurance rates for different categories of driver ages. The rates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Violations and accidents raise rates

The example below illustrates how violations and accident claims raise Audi TT auto insurance rates for different age groups. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Audi TT insurance costs by age and gender

The diagram below illustrates the difference between Audi TT car insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Get cheaper Audi TT insurance in Irvine with discounts

Some providers do not list all possible discounts very well, so the next list breaks down both the well known and also the lesser-known discounts that you can inquire about if you buy Irvine auto insurance online.

• Senior Citizens – If you qualify as a senior citizen, you may qualify for lower premium rates.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy may reduce the rate for each vehicle.
• Anti-lock Brakes – Vehicles with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
• Good Grades Discount – Maintaining excellent grades may save as much as 25% on a Irvine auto insurance quote. The discount lasts up to age 25.
• Bundle and Save – If you can combine your home and auto policy with one company you could get a discount of over 10 percent off each policy depending on the company.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a Irvine auto insurance quote.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts should help lower the premium cost.

The information below visualizes the comparison of Audi TT annual premium costs with and without discounts applied to the premium. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.

Large insurance companies and a partial list of their discounts are shown below.

• Progressive may offer discounts for multi-vehicle, homeowner, multi-policy, continuous coverage, and online quote discount.
• MetLife has discounts for good student, good driver, claim-free, defensive driver, multi-policy, and accident-free.
• Mercury Insurance discounts include professional/association, multi-car, good student, age of vehicle, annual mileage, and ease of repair.
• Nationwide has savings for family plan, accident-free, easy pay, defensive driving, and business or organization.
• GEICO may have discounts that include driver training, federal employee, multi-vehicle, air bags, multi-policy, and membership and employees.
• AAA offers premium reductions for good student, multi-car, multi-policy, education and occupation, anti-theft, and AAA membership discount.

When getting free Irvine auto insurance quotes, it’s a good idea to all the companies the best way to save money. Some discounts may not be offered in your state.

When do I need an agent’s advice?

When selecting your policy for your personal vehicles, there really isn’t a one size fits all plan. Your situation is unique and your insurance should unique, too. These are some specific questions may help you determine whether you might need professional guidance.

• Is water damage covered by my policy?
• Does my Audi TT need full coverage?
• What is an adequate liability insurance limit?
• Does my car insurance cover rental cars?
• Is my son or daughter covered when driving my car?
• Do I need replacement cost coverage?
• Why do I need rental car insurance?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Local insurance agents

Many people would prefer to go talk to an agent and that can be a smart move The best thing about comparing rate quotes online is the fact that drivers can get lower rates and also buy local. And supporting local agents is important especially in Irvine.

To help locate an agent, after submitting this form (opens in new window), your insurance data is emailed to participating agents in Irvine that can provide free Irvine auto insurance quotes to get your business. It’s much easier because you don’t need to contact an agency because prices are sent directly to you. You’ll get the best rates and a licensed agent to work with. If you need to compare prices from a specific auto insurance provider, you can always visit that company’s website to submit a rate quote request.

Irvine auto insurance agents come in two flavors

If you would like to find a local agent, you need to know there are two different types of agents and how they are slightly different. Agents in Irvine can be categorized as either independent (non-exclusive) or exclusive.

Independent Agents

Agents that choose to be independent are normally appointed by many insurers and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If you are not satisfied with one company, your policy is moved internally without you having to go to a different agency. When comparison shopping, it’s a good idea to check rates from a few independent agents to get the best comparison. They often place coverage with small mutual carriers that may have much lower rates than larger companies.

The following are independent agents in Irvine that may be able to give you free auto insurance rate quotes.

• Willis Insurance Services of CA Inc
  18101 Von Karman Ave # 600 – Irvine, CA 92612 – (949) 885-1200 – View Map
• Wozencraft Insurance Agency
  17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
• Sentry Insurance – Irvine
  16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map

More insurance agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. They generally cannot compare rates from other companies so you might not find the best rates. These agents are well schooled on their products and sales techniques which aids in selling service over price. Drivers often choose to use an exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Listed below is a short list of exclusive agencies in Irvine willing to provide comparison quotes.

• Steven Wang – State Farm Insurance Agent
  15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600 – View Map
• Farmers Insurance – Berdy Gonzalez-Lubnau
  41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 – View Map
• Chris Barr – State Farm Insurance Agent
  17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map

More insurance agents

Selecting an insurance agent shouldn’t rely on just a low price. Any agent in Irvine should have no problem answering these questions:

• Is there a Errors and Omissions policy in force?
• How long have they worked with personal auto insurance coverage?
• Did they already check your driving record and credit reports?
• Do they have cheaper tiers of coverage?
• Does the company use OEM repair parts?
• Do you need full coverage on every vehicle?
• Will you work with the agent or an assistant?
• Do they have a Better Business Bureau rating in Irvine?

Upon getting good responses for all questions you ask as well as a affordable price, most likely you have located an auto insurance agent that meets the criteria to provide auto insurance coverage. Just be aware that consumers can cancel coverage at any point so never feel that you are obligated to the auto insurance policy for the full policy term.

Car insurance coverages for an Audi TT

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most car insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, surgery, chiropractic care, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi TT.

Since many California drivers only carry the minimum required liability limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

The illustration below demonstrates why low liability limits may not be adequate.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your TT to bring the cost down.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

The best rates come from being thorough

We just covered a lot of information how to lower your Audi TT insurance rates in Irvine. The key thing to remember is the more providers you compare, the higher your chance of finding affordable Audi TT insurance quotes. You may even discover the most savings is with a small local company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Lower-priced Audi TT insurance in Irvine can be sourced online as well as from insurance agents, so you need to shop Irvine auto insurance with both to have the best selection. Some companies do not provide rates over the internet and many times these regional carriers only sell through independent agents.

For more information, feel free to browse the resources below:

• Your Car has been Stolen: Now What? (Allstate)
• What Insurance is Cheapest for Teenagers in Irvine? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Irvine? (FAQ)
• How Much is Auto Insurance for Business Use in Irvine? (FAQ)
• Insurance Losses by Make and Model (iihs.org)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)