Would you prefer to buy more affordable car insurance rates in Mesa, AZ? Mesa buyers have a choice when searching for the best price on Audi TT insurance. You can either spend your time driving around to compare prices or use the internet to make rate comparisons.
There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Audi and find the lowest possible price.
It is always a good idea to check car insurance prices once or twice a year since prices are constantly changing. Even if you think you had the lowest quotes on Audi TT insurance in Mesa on your last policy you may be paying too much now. There is lot of inaccurate information about TT insurance out there, but in just a couple of minutes you can learn some good information on how to lower your car insurance bill.
Discounts for affordable insurance rates
Insurance is easily one of your largest bills, but you may find discounts to help bring down the price. A few discounts will be applied when you complete an application, but once in a while a discount must be specially asked for before you will receive the discount.
- Switch and Save Discount – Some companies reward drivers for switching to them before your current coverage expires. It’s a savings of about 10%.
- Active Service Discounts – Having a family member in the military can result in better prices.
- Air Bag Discount – Cars that have air bags could see savings up to 30%.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% on medical payment and PIP coverage.
- Driving Data Discount – Mesa drivers who agree to allow their insurance company to track driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as the data is positive.
- Home Ownership Discount – Just owning your own home can earn you a little savings because owning a home demonstrates responsibility.
It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The example below visualizes the comparison of Audi TT annual premium costs with and without discounts applied. The costs are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, multi-car, and homeowner discounts applied.
Popular insurance companies and a selection of discounts are outlined below.
- Progressive may include discounts for homeowner, good student, continuous coverage, online quote discount, and multi-policy.
- The Hartford offers discounts for air bag, vehicle fuel type, good student, driver training, and bundle.
- Mercury Insurance offers premium reductions for multi-policy, anti-theft, accident-free, professional/association, and type of vehicle.
- GEICO policyholders can earn discounts including military active duty, multi-policy, defensive driver, air bags, good student, anti-lock brakes, and seat belt use.
- AAA may offer discounts for AAA membership discount, good driver, education and occupation, multi-car, and anti-theft.
- State Farm may have discounts that include good driver, driver’s education, multiple policy, multiple autos, anti-theft, and safe vehicle.
Before you buy a policy, ask each company or agent which discounts you may be entitled to. All car insurance discounts might not apply in your state. To find insurance companies that offer the discounts shown above in Mesa, click this link.
Finding a better price on car insurance is not a difficult process. Drivers just need to take time to compare rates provided by online insurance companies.
The providers in the list below are ready to provide quotes in Mesa, AZ. In order to find cheap auto insurance in Arizona, it’s a good idea that you compare several of them in order to find the most competitive rates.
Analysis of coverages
The premium table below highlights different insurance costs for Audi TT models. Being aware of how prices are established can help drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT 2.0T Quattro 2-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| TT S 2.0T Quattro 2-Dr Coupe | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Coupe | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT 2.0T Quattro 2-Dr Roadster | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| TT S 2.0T Quattro 2-Dr Roadster | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location which can lower or raise auto insurance rates significantly.
Audi TT annual premiums for males versus females
The illustration below shows the difference between Audi TT insurance prices for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in.
Audi TT liability rates compared to full coverage
The illustration below shows the comparison of Audi TT insurance prices when comparing full coverage to liability only. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no exact rule that is best for determining when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Audi TT book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying your deductible. If you are currently paying more than $800 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
Your situation helps dictate your coverage
When choosing adequate coverage, there really isn’t a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that.
Here are some questions about coverages that may help you determine whether you will benefit from professional help.
- Does my policy cover me when driving someone else’s vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When should I buy a commercial auto policy?
- What are the liability requirements in my state?
- Am I covered when pulling a rental trailer?
- How do I insure my teen driver?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Can I rent a car in Mexico?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Are insurance agents used anymore?
A lot of people still like to talk to a local agent and that can be a great decision Good insurance agents are trained to spot inefficiencies and will help you if you have claims. The best thing about comparing insurance prices online is you may find the lowest rates and also buy local. Buying from and supporting local agents is important especially in Mesa.
To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any agents because quoted prices will be sent to you instantly. In the event you want to get a comparison quote from a specific company, you can always go to their quote page and fill out their quote form.
When looking for a reliable insurance agency, it helps to know the two different types of agencies and how they are slightly different. Insurance agencies in Mesa are either exclusive or independent (non-exclusive). Both properly insure your vehicles, but it’s a good idea to understand the difference between them because it may have an impact on the selection process.
Independent Car Insurance Agents
Independent agents do not work for one specific company and that gives them the ability to insure with lots of companies and potentially find a lower price. If prices rise, an independent agent can move your coverage which makes it simple for you.
If you are comparing car insurance prices, it’s a good idea to contact a couple of independent agencies so that you have a good selection of quotes to compare. Many write coverage with different regional companies which can be an advantage.
The following are Mesa independent insurance agents that may be able to provide rate quotes.
- Ayala Insurance Service, LLC
830 W Southern Ave #10 – Mesa, AZ 85210 – (480) 844-1555 – View Map - Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map - Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map
Exclusive Agencies
Agents that choose to be exclusive are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes buy from exclusive agents partially due to the brand rather than low price.
The following are Mesa exclusive insurance agents that can give you rate quotes.
- Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map - Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 – View Map - Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map
Finding the right car insurance agent shouldn’t rely on just the bottom line cost. The following questions are important to ask.
- Are they actively involved in the community?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will the company cover a rental car if your car is getting fixed?
- Are claims handled at the agent’s location?
- Do they write coverage based solely on cost?
- Do they have any clout with companies to ensure a fair claim settlement?
- Can they provide you with a list of referrals?
Arizona car insurance companies ranked
Ending up with the highest-rated car insurance company can be difficult considering how many different insurance companies sell coverage in Arizona. The ranking information in the next section may help you choose which companies to look at to insure your vehicles.
Top 10 Mesa Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Persistence will pay off
In this article, we covered some good ideas how you can find affordable Audi TT insurance in Mesa. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced full coverage and learned later that they should have had better coverage. The goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.
Steps to finding the cheapest rates for Audi TT insurance in Mesa
The preferred way to get budget Audi TT insurance is to start comparing prices regularly from companies that sell auto insurance in Mesa. Price quotes can be compared by completing these steps.
- Spend a few minutes and learn about how car insurance works and the measures you can take to drop your rates. Many policy risk factors that are responsible for high rates such as distracted driving and your credit history can be controlled by making minor driving habit or lifestyle changes.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote rates from multiple sources.
- Compare the new rates to your current policy premium to see if a cheaper rate is available. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
A key point to remember is to use the same liability limits and deductibles on each quote and and to get quotes from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and a thorough selection of prices.
More tips and info about auto insurance is available at these sites:
- Child Safety Seats (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
- What Insurance is Cheapest for a Ford F-150 in Mesa? (FAQ)
- Older Drivers FAQ (iihs.org)
- State Car Insurance Guides (GEICO)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)