Would you like to stop overpaying and find more competitive Audi TT insurance in Kansas City? If you’re searching for lower-cost insurance on the web, do you get confused by the number of auto insurance choices in your area? Drivers have so many choices to choose from that it is a big hassle to find the lowest price for Audi TT insurance in Kansas City. If you’ve ever been there, you know that Kansas City is the perfect city to reside in, but high auto insurance prices can make it nearly impossible for many drivers to buy proper levels of coverage.
How to buy lower priced Audi TT insurance in Kansas City
If saving money is your primary concern, then the best way to find cheaper Audi TT insurance is to compare prices regularly from different companies in Kansas City. Rate comparisons can be done by following these guidelines.
- Step 1: Try to learn a little about auto insurance and the measures you can control to lower rates. Many things that result in higher prices like getting speeding tickets and an imperfect credit score can be eliminated by paying attention to minor details.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. Get quotes now
- Step 3: Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
- Step 4: Tell your current company of your decision to cancel your current coverage. Submit a completed policy application and payment to the new insurer. When you receive it, put the new proof of insurance paperwork in your vehicle.
A good piece of advice is to use the same amount of coverage on every quote and and to look at as many companies as feasibly possible. Doing this guarantees an accurate price comparison and a complete rate analysis.
Unbelievable but true, the vast majority of consumers kept their coverage with the same auto insurance company for a minimum of four years, and just under half have never even compared quotes to find lower-cost rates. Consumers in Missouri could save themselves 25% a year just by comparing rates, but they don’t want to take the time to compare rate quotes online.
Consumers should take time to compare rates as often as possible because prices go up and down regularly. Even if you got the best deal on Audi TT insurance in Kansas City six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.
You Can Change Your Insurance Premiums
Part of the auto insurance buying process is learning the rating factors that help calculate your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that can help you get cheaper rates. Lots of factors are used when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are not as apparent such as whether you are married or your commute time.
Shown below are some of the major factors utilized by car insurance companies to help set rates.
Your location is important – Being located in a small town is a good thing when buying auto insurance. City drivers regularly have more aggressive driving styles and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
Fewer miles means better costs – The more you drive in a year’s time the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage based upon how much you drive. Cars and trucks that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Verify your policy reflects the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your TT may be costing you.
Cheaper auto insurance rates using alarm systems – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
Limits of liability coverage – Liability coverage will provide protection if ever a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. It is affordable coverage compared to comp and collision, so buy as much as you can afford.
Traffic violations hurt – How you drive has a lot to do with how much you pay for insurance. Drivers with clean records get better prices compared to bad drivers. Even one speeding ticket or other violation can increase rates substantially. Drivers who have gotten license-revoking tickets such as DUI or reckless driving may find they need to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
The information below demonstrates how citations and at-fault claims can drive up Audi TT insurance rates for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Are men or women drivers cheaper? – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Men and women cause fender benders at a similar rate, but the male of the species have costlier accidents. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
The example below illustrates the comparison of Audi TT yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Do you really need roadside assistance? – There are many additional extra coverages that can waste your money when buying auto insurance. Things like rental car coverage, high-cost glass coverage, and extra life insurance coverage may be costing you every month. You may think they are a good idea when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
Buy a safe car and pay less – Safer cars tend to have better insurance rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and thus lower rates. If your Audi TT is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Loss statistics for an Audi TT – Insurers analyze the history of losses to help calculate a profitable premium price. Models that have higher prevalence or dollar amount of losses will cost more for specific coverages.
The table below outlines the insurance loss data for Audi TT vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is set at 100. Values that are under 100 imply a favorable loss record, while percentage values above 100 indicate more frequent losses or statistically larger losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi TT 2dr 4WD | 168 | 111 | ||||
| Audi TTS 2dr 4WD | 141 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
How to get the cheapest Audi TT insurance in Kansas City, Missouri
Many insurance companies allow you to get coverage prices online. Getting quotes for Audi TT insurance in Kansas City is easy for anyone as all you need to do is type in your coverage preferences into the quote form. When the form is submitted, the quote system sends out for your credit score and driving record and quotes a price based on these factors.
This helps simplify price comparisons, and it’s also necessary to have as many quotes as possible if you want to find the best rate.
To get comparison pricing now, compare rates from the companies below. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. This guarantees you will receive rate comparison quotes for exact coverage.
The auto insurance companies shown below can provide comparison quotes in Missouri. To find cheap car insurance in Missouri, we suggest you compare several of them in order to get a fair rate comparison.
Coverage analysis
The information shown next highlights different prices for Audi TT models. Having a better idea how insurance rates are formulated can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $328 | $562 | $348 | $20 | $104 | $1,362 | $114 |
| TT 2.0T Quattro 2-Dr Coupe | $328 | $562 | $348 | $20 | $104 | $1,362 | $114 |
| TT 2.0T Quattro 2-Dr Coupe | $328 | $562 | $348 | $20 | $104 | $1,362 | $114 |
| TT S 2.0T Quattro 2-Dr Coupe | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT S 2.0T Quattro 2-Dr Coupe | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT S 2.0T Quattro 2-Dr Roadster | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT 2.0T Quattro 2-Dr Roadster | $362 | $636 | $348 | $20 | $104 | $1,470 | $123 |
| TT S 2.0T Quattro 2-Dr Roadster | $396 | $710 | $348 | $20 | $104 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in vehicle location which can change auto insurance rates greatly.
The chart below demonstrates how deductible levels and can impact Audi TT insurance costs for different age groups of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Does full coverage make sense?
The illustration below shows the difference between Audi TT auto insurance rates with full coverage and liability only. The rate quotes are based on no claims or driving violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no definitive formula of when to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Audi TT claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the deductible is paid. If it’s costing you more than $800 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Why you need car insurance
Despite the high cost, insuring your vehicle serves a purpose in several ways.
- Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability if you don’t want to risk a ticket. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Audi TT with a loan, almost all lenders will require that you buy full coverage to guarantee loan repayment. If you default on your policy, the bank may insure your Audi at a more expensive rate and require you to fork over the higher premium.
- Insurance safeguards both your Audi and your assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Audi gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in America overpays more than $700 annually so compare quotes from several companies every year to ensure rates are inline.
Discounts for affordable insurance rates
Auto insurance companies don’t necessarily list all possible discounts in a way that’s easy to find, so we took the time to find some of the best known and also the more inconspicuous credits that may apply to you.
- Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
- Multi-Vehicle Discounts – Insuring several vehicles on a single policy could earn a price break for each car.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Student Driver Training – Have your child complete a driver education course if it’s offered in school.
- Safety Restraint Discount – Requiring all passengers to wear their seat belts can save a little off the medical payments premium.
- Active Service Discounts – Being deployed in the military can result in better premium rates.
- Federal Employees – Employees or retirees of the government may reduce rates when you quote Kansas City car insurance depending on your company.
Don’t be shocked that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.
The chart below shows the comparison of Audi TT car insurance costs with and without some available policy discounts. The premiums are based on a male driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
Larger insurance companies and some of the premium reductions they offer include:
- Progressive policyholders can earn discounts including multi-vehicle, online quote discount, homeowner, multi-policy, online signing, good student, and continuous coverage.
- Farmers Insurance may have discounts that include multi-car, pay in full, switch companies, youthful driver, and distant student.
- Farm Bureau may include discounts for multi-policy, good student, safe driver, driver training, multi-vehicle, and youthful driver.
- State Farm offers premium reductions for defensive driving training, good driver, Steer Clear safe driver discount, multiple autos, and accident-free.
- GEICO offers discounts for membership and employees, daytime running lights, defensive driver, anti-theft, emergency military deployment, and air bags.
- SAFECO has savings for teen safety rewards, bundle discounts, safe driver, anti-theft, and homeowner.
- Liberty Mutual includes discounts for safety features, exclusive group savings, newly married, new graduate, and preferred payment discount.
If you need cheaper Kansas City car insurance quotes, ask each insurance company which discounts they offer. Some discounts might not be offered in Kansas City. For a list of providers who offer insurance discounts in Kansas City, follow this link.
Local Kansas City insurance agencies
Many people prefer to talk to an insurance agent and that can be a great decision The biggest benefit of comparing insurance prices online is you can get cheaper rates and still have a local agent. Supporting local agents is especially important in Kansas City.
To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to insurance agents in Kansas City who can give free rate quotes for your coverage. You never need to search for an agent since rate quotes are delivered directly to you. You’ll get the best rates AND a local agent. If you want to compare rates from a particular provider, you can always go to their quote page and fill out the quote form the provide.
Two types of car insurance agents
When narrowing the list to find a reputable insurance agent or broker, you should know the different types of agencies and how they are distinctly different. Agents in Kansas City can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Independent agencies do not write with just one company and that allows them to write policies with a variety of different insurance companies and help determine which has the cheapest rates. If prices rise, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing rate quotes, it’s a good idea to get insurance quotes from multiple independent agents so that you can do a thorough price comparison. Many can place coverage with mutual insurance companies that many times have cheaper rates.
Shown below is a small list of independent insurance agencies in Kansas City that may be able to give free rate quotes.
- Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map - InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Exclusive Car Insurance Agents
Agents of this type are contracted to one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point. Many people purchase coverage from exclusives mostly because of the brand legacy instead of buying on price only.
Listed below is a short list of exclusive agents in Kansas City who can help you get rate quotes.
- Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611 – View Map - Tim Dugan – State Farm Insurance Agent
6453 N Cosby Ave – Kansas City, MO 64151 – (816) 746-1300 – View Map - George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055 – View Map
Deciding on an insurance agent is decision based upon more than just a cheap price quote. Any agent in Kansas City should be willing to answer these questions.
- Does the agency have a good rating with the Better Business Bureau?
- What discounts might you be missing?
- Do the companies they represent have a solid financial rating?
- Do they get paid more for recommending certain coverages?
- What company do they have the most business with?
Cheap coverage is out there
Cost effective Audi TT insurance can be bought from both online companies as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not offer rates over the internet and most of the time these smaller companies provide coverage only through independent insurance agencies.
We just covered quite a bit of information on how to shop for Audi TT insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding low cost Kansas City car insurance quotes. You may even find the biggest savings come from a smaller regional carrier.
Insureds leave their current company for many reasons like not issuing a premium refund, delays in responding to claim requests, lack of trust in their agent or even being labeled a high risk driver. No matter why you want to switch, finding a new company is not as difficult as it may seem.
Steps to finding cheaper Audi TT insurance in Kansas City
If saving money is your primary concern, then the best way to get affordable Audi TT insurance in Kansas City is to start doing an annual price comparison from insurance carriers who provide car insurance in Missouri. Drivers can shop around by following these steps.
- First, try to learn about how companies set rates and the things you can control to prevent high rates. Many rating factors that are responsible for high rates like traffic tickets, fender benders, and a negative credit history can be amended by paying attention to minor details.
- Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies.
- Third, compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
The critical component of shopping around is to use similar coverage information on each quote request and and to get quotes from as many different insurance providers as possible. Doing this provides a fair rate comparison and a complete selection of prices.
Additional articles
- State Laws for Cellphones and Texting (iihs.org)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Ford Fusion? (FAQ)
- What Insurance is Cheapest for Low Credit Scores in Kansas City? (FAQ)
- Safety Features for Your New Car (State Farm)
- Where can I buy Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)