It's a fact that insurance companies don't want their customers to go rate shopping. Consumers who shop around are highly likely to switch auto insurance companies because there are good odds of finding a lower-cost company. A recent survey found that people who shopped around saved an average of $3,500 over four years compared to those who never shopped around for lower prices.
If finding discount rates on insurance in Santa Ana is your ultimate objective, then understanding how to quote prices and compare auto insurance can make it easier to find better rates.
To save the most money, the best way to find low-cost prices for Audi TT insurance is to start comparing prices regularly from insurance carriers who provide car insurance in Santa Ana. Drivers can shop around by completing these steps.
- Read about auto insurance and the factors you can control to prevent rate increases. Many factors that cause high rates such as accidents, traffic tickets, and an imperfect credit rating can be remedied by making small lifestyle or driving habit changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can provide price quotes for many different companies.
- Compare the price quotes to your existing policy and determine if there is any savings. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to remember is to make sure you enter the same amount of coverage on every quote and and to analyze as many carriers as you can. This guarantees an apples-to-apples comparison and the most accurate and complete price analysis.
Locating the best rates in Santa Ana seems hard but is not really that difficult. In essence, each driver who compares rates for auto insurance stands a good chance to be able to find lower rates. Nevertheless, California consumers can benefit from knowing the way companies market on the web because rates fluctuate considerably.
All the larger auto insurance companies such as GEICO, State Farm and Progressive allow consumers to get insurance quotes directly from their websites. This process doesn't take much effort as you just type in the amount of coverage you want as detailed in the form. After you submit the form the company's rating system obtains reports for credit and driving violations and generates pricing information.
Quoting online for Audi TT insurance in Santa Ana helps simplify price comparisons, and it's absolutely necessary to have as many quotes as possible if you want to find lower-cost rates.
To compare rates using this form now, check out the auto insurance providers below. If you have your current policy handy, we recommend you replicate deductibles and limits just like they are on your policy. Doing this assures you are getting a price comparison based on the exact same insurance coverage.
The companies shown below are ready to provide price comparisons in Santa Ana, CA. If the list has multiple companies, we suggest you compare several of them in order to get a fair rate comparison.
Why you need car insurance
Despite the potentially high cost of Audi TT insurance, insurance serves an important purpose.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will have a requirement that you have full coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Audi at an extremely high rate and force you to reimburse them the higher price.
- Insurance protects not only your vehicle but also your financial assets. Insurance will pay for all forms of medical expenses incurred in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. But the average driver in California overpays more than $865 each year so compare quotes from several companies each time the policy renews to ensure rates are inline.
Insurance statistics and figures
The coverage information shown next covers different coverage costs for Audi TT models. Understanding more about how rate quotes are calculated can help drivers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| TT S 2.0T Quattro 2-Dr Coupe | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT 2.0T Quattro 2-Dr Roadster | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT 2.0T Quattro 2-Dr Roadster | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT S 2.0T Quattro 2-Dr Coupe | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT S 2.0T Quattro 2-Dr Roadster | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT 2.0T Quattro 2-Dr Roadster | $364 | $732 | $416 | $24 | $124 | $1,660 | $138 |
| TT S 2.0T Quattro 2-Dr Roadster | $398 | $818 | $416 | $24 | $124 | $1,780 | $148 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific zip code location which can impact coverage prices noticeably.
How high should deductibles be?
When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates shown below can help you understand the premium difference when you choose different policy deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| TT 2.0T Quattro 2-Dr Coupe | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| TT 2.0T Quattro 2-Dr Coupe | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| TT S 2.0T Quattro 2-Dr Coupe | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT 2.0T Quattro 2-Dr Roadster | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT 2.0T Quattro 2-Dr Roadster | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT S 2.0T Quattro 2-Dr Coupe | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT S 2.0T Quattro 2-Dr Roadster | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT 2.0T Quattro 2-Dr Roadster | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| TT S 2.0T Quattro 2-Dr Roadster | $576 | $1176 | $442 | $26 | $132 | $2,377 | $198 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| TT 2.0T Quattro 2-Dr Coupe | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| TT 2.0T Quattro 2-Dr Coupe | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| TT S 2.0T Quattro 2-Dr Coupe | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT S 2.0T Quattro 2-Dr Coupe | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT S 2.0T Quattro 2-Dr Roadster | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT 2.0T Quattro 2-Dr Roadster | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| TT S 2.0T Quattro 2-Dr Roadster | $420 | $794 | $442 | $26 | $132 | $1,814 | $151 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in specific garaging location which can alter rates considerably.
Based on the figures above, using a $100 deductible would cost the average driver about $42 more each month or $504 a year across all Audi TT models than requesting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 10 months between claim filings, you would most likely save money if you choose a higher deductible. Below is an example of how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $181 |
| Average monthly premium for $500 deductibles (subtract): | - $139 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
The information below illustrates how your deductible choice and can impact Audi TT insurance prices for different ages of insureds. Data assumes a married male driver, comp and collision included, and no other discounts are factored in.
Poor driving habits will raise your insurance rates
The diagram below demonstrates how citations and at-fault fender-benders drive up Audi TT auto insurance costs for different age groups. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Insurance rates based on gender
The diagram below compares Audi TT insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The illustration below illustrates the difference between Audi TT insurance prices with liability coverage only compared to full coverage. The premium estimates are based on no violations or accidents, $250 deductibles, drivers are single, and no policy discounts are applied.
When to stop paying for full coverage
There is no set guideline for dropping comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let's assume your Audi TT book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If premium cost is more than $400 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.
Save a ton with discounts
Auto insurance is not an enjoyable expense, but you can get discounts that many consumers don't even know exist. Some discounts apply automatically when you complete an application, but some need to be manually applied before they will apply.
- Discount for Passive Restraints - Options like air bags could see savings of 20% or more.
- First Accident Forgiveness - Not necessarily a discount, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident without getting socked with a rate hike if you are claim-free before the accident.
- Military Deployment Discount - Being deployed in the military could qualify you for better prices.
- Santa Ana Homeowners Pay Less - Simply owning a home can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
- Multi-Vehicle Discounts - Buying insurance for more than one vehicle with one company can reduce the rates for all insured vehicles.
- Pay Early and Save - By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- No Claims - Insureds who avoid accidents and claims get the best auto insurance rates when compared with drivers with a long claim history.
- Defensive Driver - Completing a course teaching defensive driver skills is a good idea and can lower rates depending on where you live.
You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way.
The example below illustrates the difference between Audi TT auto insurance rates with and without discounts applied to the policy premium. The premiums are based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.
A list of companies and some of the premium reductions they offer are shown below.
- State Farm may offer discounts for Steer Clear safe driver discount, driver's education, safe vehicle, anti-theft, good driver, and good student.
- GEICO has savings for anti-theft, five-year accident-free, military active duty, anti-lock brakes, and seat belt use.
- Liberty Mutual has discounts for safety features, hybrid vehicle, teen driver discount, new graduate, and newly married.
- The Hartford discounts include good student, anti-theft, defensive driver, driver training, and bundle.
- MetLife offers discounts for defensive driver, good student, good driver, accident-free, claim-free, and multi-policy.
- Progressive may have discounts that include homeowner, continuous coverage, good student, online quote discount, multi-policy, online signing, and multi-vehicle.
If you are trying to find cheaper Santa Ana car insurance quotes, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your state. To view auto insurance companies who offer auto insurance discounts in California, click here to view.
Insurance agencies are professional risk managers
Certain consumers prefer to buy from a local agent and we recommend doing that One of the best bonuses of comparing rates online is the fact that drivers can get the best rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, the quote information gets sent to agents in your area that can provide free Santa Ana car insurance quotes for your car insurance coverage. You won't need to find an agent because quoted prices will be sent instantly to you. You can find lower rates without requiring a lot of work. In the event you want to get a rate quote from a specific company, feel free to go to their quote page and complete a quote there.
Picking the best company is decision based upon more than just a low price. Any agent in Santa Ana should have no problem answering these questions:
- Do they specialize in personal lines coverage in Santa Ana?
- Will they give you a referral list?
- Does the company have a local claim office in Santa Ana?
- What insurance companies do they work with in Santa Ana?
- Are they giving you every discount you deserve?
Compare rates from both independent and exclusive auto insurance agents
When researching a reliable insurance agent, you need to know there are two different types of agents to choose from. Car insurance agencies can either be independent agents or exclusive agents.
Exclusive Agencies
Agents that choose to be exclusive work for only one company and some examples include Allstate and State Farm. These agents are unable to compare other company's rates so always compare other rates. They receive a lot of sales training on their company's products and that allows them to sell at a higher price point. Some people will only buy from the same agent for years mainly due to the brand rather than low price.
Shown below is a list of exclusive insurance agencies in Santa Ana that are able to give comparison quotes.
- Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022 - View Map - David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - View Map - Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map
Independent Car Insurance Agents
Agents that elect 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 potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing car insurance rates, we highly recommend that you include price quotes from at least one independent agent so that you can do a thorough price comparison. Most also have access to smaller mutual companies that may have much lower rates than larger companies.
Below is a list of independent insurance agencies in Santa Ana that can give you rate quotes.
- Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map - Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map - Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map
Which is the best auto insurance?
When it comes to choosing insurance from an agent or online, there is no "perfect" insurance plan. Everyone's situation is a little different.
For instance, these questions may help you determine if you might need an agent's assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered if I hit my neighbor's mailbox?
- Why am I required to buy high-risk coverage?
- Is a driver training discount available?
- Should I have a commercial auto policy?
- Can I insure my car for more than it's worth?
- Is my dog or cat covered if injured in an accident?
- Do I have coverage for damage caused while driving under the influence?
- Is a new car covered when I drive it off the dealer lot?
If you're not sure about those questions then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form.
Persistence is the key to cheap rates
Throughout this article, we presented many ideas to reduce Audi TT insurance premium rates online in Santa Ana. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Santa Ana car insurance quotes. You may even discover the lowest priced car insurance comes from the least-expected company.
People switch companies for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, unfair underwriting practices or high prices. It doesn't matter why you want to switch finding a new car insurance company is not as difficult as it may seem.
As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price while still protecting your assets.
Even more information is located by following these links:
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- How Much are Car Insurance Quotes with Multiple Speeding Tickets in Santa Ana? (FAQ)
- How Much is Car Insurance for a Chevrolet Silverado in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for High Risk Drivers? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)