It’s hard to believe, but almost 70% of drivers have bought insurance from the same company for a minimum of four years, and 38% of customers have never compared rate quotes at all. Florida insurance shoppers could save as much as 55% a year by just shopping around, but they don’t want to spend time to shop around.
It takes a little time, but the best way to get cheaper Audi TTS insurance is to annually compare prices from insurers who provide auto insurance in Orlando. Price quotes can be compared by following these steps.
Step 1: It will benefit you to learn about the coverage provided by your policy and the changes you can make to keep rates low. Many rating criteria that are responsible for high rates such as traffic violations and a low credit score can be rectified by being financially responsible and driving safely.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes for a wide range of companies. View companies
Step 3: Compare the quotes to your current policy premium to see if you can save by switching companies. If you find better rates and make a switch, verify that coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage. Submit a completed policy application and payment to your new agent or company. Once received, keep your new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is to try to use similar limits and deductibles on each quote request and and to analyze as many companies as possible. This guarantees a fair rate comparison and the best price selection.
The are a couple different ways of comparing rates from all the different companies. The best method to do a complete rate comparison is to jump online and get quotes.
Getting price quotes online is very simple and it replaces the need to waste gas driving to insurance agencies in your area. Quoting and buying Audi TTS insurance online eliminates the middleman unless you require the peace of mind that only a licensed agent can provide. It is possible with some companies get prices online but buy from a local insurance agent.
Just remember that comparing a wide range of rates helps improve the odds of finding the best price. Some smaller insurers do not give online Orlando TTS insurance quotes, so you need to compare price estimates from them, too.
The companies shown below offer comparison quotes in Orlando, FL. To locate cheap auto insurance in Florida, we recommend you get rates from several of them in order to get a fair rate comparison.
Get cheaper rates by taking advantage of discounts
Some companies don’t necessarily list their entire list of discounts very clearly, so the next list breaks down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Orlando auto insurance online.
- Discounts for New Vehicles – Buying a new car instead of a used TTS can get you a discount because new model year vehicles are generally safer.
- Student Driver Training – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates as compared to drivers with claims.
- Student Discounts – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Save over 55 – If you’re over the age of 55, you may be able to get reduced rates.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
- Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you could get a free insurance policy, you won’t be that lucky.
To see a list of providers that can offer you the previously mentioned discounts in Orlando, click this link.
Learn How to Find Car Insurance Cheaper
Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, but some are less obvious like your continuous coverage or your vehicle rating. Consumers need to have an understanding of the factors that play a part in calculating the level of your policy premiums. When you understand what determines premiums, this enables informed choices that may result in big savings.
Listed below are some of the most common factors used by companies to determine prices.
Raise coverage deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims would be running into the backend of another car, flood damage, and damage caused by flying debris. The deductibles you choose are how much you are required to spend if you file a covered claim. The more money you choose to pay out-of-pocket, the lower your rates will be.
Responsible credit saves on car insurance – Having a good credit score is a big factor in determining what you pay. So if your credit score is lower than you’d like, you could pay less to insure your Audi TTS by spending a little time repairing your credit. Insureds with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Policy add-ons may not be needed – There are quite a few optional add-on coverages that sound like a good idea at the time when buying car insurance. Insurance for things like personal injury protection, towing, and additional equipment coverage may be costing you every month. The coverages may be enticing initially, but your money might be better spent on other coverage so remove them and pocket the money.
Being married brings a discount – Having a significant other actually saves money on your car insurance policy. Marriage generally demonstrates drivers are more stable financially and statistics prove being married results in fewer claims.
Safer occupants lowers car insurance rates – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and cheaper rates on your policy.
Men drivers tend to cost more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men get in accidents in similar numbers, but men get into accidents with more damage. Men also tend to get more serious tickets such as DWI and reckless driving.
Do you work long hours in a high stress employer? – Did you know your job can affect your rates? Careers such as military personnel, social workers, and stock brokers are shown to have higher average rates due to intense work situations and lots of time spent at work. Conversely, careers like farmers, historians and homemakers have the lowest average rates.
Loss statistics for an Audi TTS – Companies study historical loss data to help calculate premium prices. Models that historically have higher losses will have higher rates for specific coverages.
The information below illustrates the loss history for Audi TTS vehicles. For each coverage category, the loss probability for all vehicles as a whole equals 100. Numbers shown that are under 100 represent a good loss history, while values that are 100 or greater point to more claims or tendency to have higher losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi TTS 2dr 4WD||141|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare rates but work with a local neighborhood Orlando car insurance agent
Many people would rather talk to an insurance agent and there is nothing wrong with that. The best thing about getting online price quotes is the fact that drivers can get lower prices but also keep your business local. Buying from local agents is still important in Orlando.
Upon completion of this simple form, the quote information is instantly submitted to local insurance agents who can give free rate quotes for your insurance coverage. You won’t need to search for an agent because quoted prices will be sent to you. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific insurance company, you just need to find their quoting web page and complete a quote there.
If you are wanting to find a local agent, you need to know there are two different types of agencies from which to choose. Agencies in Orlando can be described as either exclusive or independent agents depending on their company appointments.
Agents that choose to be independent are not employed by any specific company and that gives them the ability to insure through lots of different companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and the insured can keep the same agent.
When shopping rates, it’s a good idea to include several independent agencies so that you have a good selection of quotes to compare.
Below is a short list of independent agencies in Orlando that can give you rate quotes.
WEGO Insurance Agency, Inc
520 N Semoran Blvd #270 – Orlando, FL 32807 – (407) 476-7972 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies generally can only insure with one company and some examples include Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive insurance agents receive extensive training on their products and sales techniques and that allows them to sell at a higher price point.
Below are Orlando exclusive insurance agencies that can give you rate quotes.
Picking a insurance agency needs to be determined by more than just a cheap price quote. A good agent in Orlando will have answers to these questions.
- Do they assist clients in filing claims?
- What is the financial rating for the quoted company?
- Do they review policy coverages at every renewal?
- Is the agent properly licensed in Florida?
- How are they compensated?
- How much will you save each year by using a higher deductible?
- Is the agency involved in supporting local community causes?
Best auto insurance company in Florida
Selecting a highly-rated insurance provider can be challenging considering how many choices you have in Orlando. The rank data below could help you analyze which coverage providers you want to consider purchasing coverage from.
Top 10 Orlando Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Don’t give up on affordable rates
Budget-friendly auto insurance in Orlando is available online and with local Orlando insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide rates over the internet and these regional carriers work with independent insurance agents.
In this article, we covered many tips how you can reduce Audi TTS insurance premium rates online in Orlando. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the most savings is with a smaller regional carrier. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.
More information is located on the following sites:
- What is Covered by GAP Insurance? (Allstate)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Altima in Orlando? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance Quotes for a Ford F-150? (FAQ)
- Child Safety FAQ (iihs.org)
- Auto Insurance Learning Center (State Farm)
- Teen Driving Statistics (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)