Finding the lowest cost Phoenix Audi TT RS insurance quotes can be intimidating for beginners to comparing and buying auto insurance online. With such a large choice of companies in the marketplace, how are we expected to efficiently compare each option to find the best available rates?
Amazlingly, a recent NerdWallet.com study showed that a large majority of drivers kept their coverage with the same auto insurance company for a minimum of four years, and just under half have never quoted rates to find lower-cost coverage. With the average premium in the United States being $1,847, drivers could cut their rates by almost $860 a year just by getting comparison quotes, but they think it’s difficult to save money by comparing rate quotes.
If you are insured now, you will surely be able to find the best rates using this information. Quoting affordable policy in Phoenix is not that difficult. Nevertheless, Arizona vehicle owners must know how companies price online insurance and take advantage of how the system works.
Seven Things That Determine Your Insurance Premiums
Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are more obscure such as your credit history or your commute time. Consumers need to have an understanding of some of the things that are used to determine your premiums. When consumers understand what determines base rates, this allows you to make good choices that may reward you with better auto insurance rates.
The factors shown below are some of the factors companies use to determine premiums.
Accidents hurt – Whether or not you get tickets has a big impact on rates. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even a single citation can boost insurance rates substantially. Drivers who have received dangerous citations such as reckless driving or DUI may be required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
Certain occupations pay higher rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, business owners and accountants have the highest average rates because of intense work-related stress and long work hours. Conversely, jobs such as farmers, engineers and retirees have the lowest average rates.
Single drivers may pay higher rates – Being married may save some money when buying auto insurance. It usually means you are more mature and responsible and it’s proven that being married results in fewer claims.
Teenagers vs. older drivers – Youthful drivers in Arizona are statistically shown to be more careless in a vehicle so they pay higher auto insurance rates. More experienced drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit.
Filing policy claims can increase rates – If you frequently file small claims, don’t be surprised to see higher rates. Insurance companies in Arizona provide most affordable rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Protect yourself with liability protection – The liability coverage on your policy will provide protection in the event that you are determined to be liable for an accident. This coverage provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Insure car and home with the same company – Most larger auto insurance companies provide better rates to people that purchase more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to check prices from other companies to guarantee you are still saving the most. You may still be able to save even more than the discount by buying auto insurance from a different company.
The most recommended method to compare car insurance rates for Audi TT RS insurance in Phoenix is to take advantage of the fact almost all companies allow for online access to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details like level of coverage desired, an estimate of your credit level, if you require a SR-22, and daily mileage. That rating information gets transmitted to all major companies and they return quotes instantly.
To compare rates for your Audi TT RS now, click here then complete the form.
The providers in the list below have been selected to offer quotes in Arizona. If multiple companies are shown, we suggest you visit as many as you can to get the most competitive price.
Truth in car insurance advertising
Popular car insurance providers such as State Farm and Allstate continually stream television, radio, and online ads. All the companies make an identical promise that you’ll save big just by switching your policy. How do they all sell you cheaper insurance coverage? It’s all in the words they use.
Companies require specific criteria for the right customer that will add to their bottom line. For example, a profitable insured might be described as over the age of 35, has a low-risk occupation, and drives less than 5,000 miles a year. A driver who fits that profile receives the best auto insurance rates in Phoenix and most likely will cut their rates substantially.
Potential insureds who do not fit this stringent profile will get more expensive rates and the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can make those claims.
Because of these techniques, it is so important to get Phoenix car insurance quotes as often as possible. Because you never know the company that will provide the lowest Audi TT RS insurance in Phoenix.
Why you need to buy auto insurance
Despite the fact that auto insurance is not cheap in Phoenix, buying auto insurance is not optional due to several reasons.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your TT RS has a loan, most banks will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Audi at a much higher rate and make you pay the higher price.
- Auto insurance protects both your car and your personal assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. But the average American driver overpays more than $810 a year so compare rates at every renewal to make sure the price is not too high.
Cheaper Phoenix car insurance quotes with discounts
Some insurance providers don’t list every discount in a way that’s easy to find, so below is a list some of the best known and the more hidden discounts that you can inquire about if you buy Phoenix car insurance online.
- Save with a New Car – Insuring a new TT RS can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- E-sign – Many larger companies provide a small discount for buying a policy and signing up on the internet.
- Multiple Cars – Purchasing coverage when you have multiple cars or trucks with one company qualifies for this discount.
- Passenger Safety Discount – Factory air bags may qualify for discounts as much as 30%.
- Own a Home and Save – Owning a home in Phoenix can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Keep in mind that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, car insurance companies aren’t that generous.
Popular car insurance companies and some of their more popular discounts are outlined below.
- GEICO discounts include seat belt use, federal employee, military active duty, driver training, and air bags.
- Travelers offers discounts for multi-policy, good student, save driver, new car, multi-car, home ownership, and IntelliDrive.
- Nationwide policyholders can earn discounts including business or organization, family plan, accident-free, multi-policy, defensive driving, and Farm Bureau membership.
- Farmers Insurance has discounts for pay in full, multi-car, mature driver, bundle discounts, and electronic funds transfer.
- Esurance may include discounts for anti-theft, renters, online shopper, multi-policy, online quote, and emergency road assistance.
- State Farm includes discounts for defensive driving training, multiple autos, anti-theft, safe vehicle, good student, accident-free, and student away at school.
- Progressive has savings for continuous coverage, multi-policy, multi-vehicle, online quote discount, good student, online signing, and homeowner.
- Mercury Insurance may offer discounts for professional/association, type of vehicle, multi-policy, anti-theft, and good student.
If you need lower rates, check with every prospective company the best way to save money. Discounts might not be available to policyholders in your area. To find companies that offer many of these discounts in Arizona, click here.
Insurance is available from your local insurance agencies
A lot of people still like to get professional advice from a licensed agent. A nice benefit of getting free rate quotes online is the fact that drivers can get better rates but also keep your business local. And supporting neighborhood insurance agencies is important especially in Phoenix.
Once you complete this short form, your insurance coverage information is instantly submitted to participating agents in Phoenix that can give you free Phoenix car insurance quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home due to the fact that quote results will go immediately to your email address. Get lower rates and a licensed agent to talk to. If you wish to get a price quote from a particular provider, feel free to jump over to their website to submit a rate quote request.
Choose the right auto insurance agent
When researching a reliable insurance agency, there are two different types of agents and how they can write your policy. Agents can be categorized as either independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
Independent insurance agents do not write with just one company so they can insure your vehicles through lots of different companies and find the cheapest insurance rates. If your premiums go up, they simply switch companies in-house which requires no work on your part. When searching for an agent, you absolutely need to get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with mutual insurance companies who may have lower rates.
The following is a short list of independent insurance agents in Phoenix who can help you get free rate quotes.
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map
- Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Exclusive Insurance Agencies
These agents are contracted to one company and some examples include AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are highly trained on sales techniques which helps them compete with independent agents. Many people choose to use an exclusive agent mostly because of loyalty to the company rather than having low rates.
Shown below are Phoenix exclusive insurance agents willing to provide rate quotes.
- Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
Finding the right car insurance agent should depend on more than just the premium amount. Here are some questions you should ask.
- Is the agent CPCU or CIC certified?
- Which company do they place the most coverage with?
- Do they have a Better Business Bureau rating in Phoenix?
- Does the agency have a current Errors and Omissions policy?
- Do they receive special compensation for putting your coverage with one company over another?
Compare rates regularly to save
Consumers change insurance companies for a variety of reasons including denial of a claim, high rates after DUI convictions, policy cancellation or even extreme rates for teen drivers. Whatever your reason, finding a new company is less work than it seems.
The cheapest Audi TT RS insurance in Phoenix can be found on the web in addition to local insurance agencies, so you need to quote Phoenix car insurance with both to get a complete price analysis. Some companies do not offer price quotes online and these small insurance companies prefer to sell through local independent agencies.
When you buy Phoenix car insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at the best price.
For more information, feel free to browse the resources below:
- State Laws for Cellphones and Texting (iihs.org)
- How Much are Auto Insurance Rates for College Graduates in Phoenix? (FAQ)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- What Insurance is Cheapest for a Dodge Journey in Phoenix? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)