How long have you put off shopping around for low-cost insurance rates in Memphis, TN? Memphis consumers have lots of choices when looking for low-cost Audi TT RS insurance. You can either waste hours calling around getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to buy insurance so you’re going to learn the proper way to get price quotes for your Audi and locate the cheapest rates from both online companies and Memphis agents.
You need to check insurance prices once or twice a year due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the lowest rates on Audi TT RS insurance in Memphis a few years ago you will most likely find a better premium rate today. You can find a lot of wrong information about TT RS insurance online, but I’m going to show you the best ways to save money.
Finding the cheapest auto insurance coverage in Memphis is not rocket science. If you have a policy now, you should be able to shop for the lowest rates using the ideas you’re about to read. You just have to understand the most efficient way to compare company rates over the internet.
Affordable rates by earning discounts
Auto insurance is not inexpensive, but discounts can save money and there are some available to help bring down the price. Many discounts should be triggered when you complete an application, but less common discounts must be requested specifically before you will receive the discount.
- Safety Restraint Discount – Requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Homeowners Savings – Just owning your own home can help you save on auto insurance because it means you have a higher level of financial diligence.
- Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on TT RS insurance in Memphis.
- Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Student in College – Any of your kids living away from Memphis attending college and don’t have a car may be able to be covered for less.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
- Multiple Vehicles – Buying insurance for several vehicles with one company could earn a price break for each car.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.
Some of the insurance companies that may offer policyholders these money-saving discounts may include but are not limited to:
It’s a good idea to ask each company which credits you are entitled to. Some discounts may not be available in Memphis.
The quickest way to get rate comparisons for Audi TT RS insurance in Memphis is to take advantage of the fact auto insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is give them some information such as the make and model of your vehicles, marital status, how much school you completed, and whether the vehicles are used for commuting. Those rating factors is instantly sent to all major companies and they return quotes very quickly.
If you wish to get multiple quotes for your Audi TT RS now, click here and find out if lower rates are available in Memphis.
The companies in the list below are our best choices to provide quotes in Memphis, TN. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.
Learn How to Lower Your Insurance Rates
Many factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are not quite as obvious like your vehicle usage and annual miles driven. Smart consumers have a good feel for the factors that help determine the price you pay for car insurance. When you understand what determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.
The following are just a few of the factors used by companies to determine premiums.
- Drivers with excellent credit save on car insurance – Having a bad credit history will be a significant factor in determining your rates. People that have high credit scores tend to be more responsible and file fewer claims than those with worse credit. If your credit score is lower than you’d like, you may save money insuring your Audi TT RS if you improve your credit rating.
- Small claims can cost you – If you file claims often, you can look forward to much higher rates or policy non-renewal. Car insurance companies in Tennessee generally give better rates to insureds who do not file claims often. Insurance coverage is designed for claims that you cannot pay yourself.
- High coverage deductibles lower rates – Physical damage coverage, aka comp and collision, helps pay for damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, flood damage, and damage caused by flying debris. Your deductibles define how much you are required to spend out-of-pocket if a claim is determined to be covered. The more you’re willing to pay, the bigger discount you will receive.
- Vocation stress can make you pay more – Jobs such as real estate brokers, airline pilots, and financial analysts tend to have higher average rates due to intense work requirements and lots of time spent at work. On the other hand, jobs such as farmers, historians and homemakers have lower than average premiums.
- Cautious drivers have lower premiums – A bad driving record impacts premiums far more than you think. Drivers with clean records receive lower rates as compared to careless drivers. Having just one speeding ticket or other violation may increase your cost twenty percent or more. Drivers with dangerous citations like reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
- Premiums impacted by vehicle usage – Driving a lot of miles in a year’s time the higher your rates will be. A lot of companies charge rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates compared to those used for work or business. Having the wrong rating on your TT RS is just wasting money. It’s a good idea to make sure your car insurance policy shows how each vehicle is driven.
Insurance agent or online?
Many people prefer to get professional advice from a licensed agent and that can be a great decision Good agents can make sure you are properly covered and help you file claims. The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this simple form, your information is immediately sent to insurance agents in Memphis who want to provide quotes for your auto insurance coverage. You won’t need to visit any agencies since rate quotes are delivered to you. If you wish to get a rate quote from a particular provider, feel free to go to their quote page and complete a quote there.
Finding a good insurance company is decision based upon more than just a low price. These are some valid questions you should ask.
- Are there any extra charges for paying monthly?
- Will the agent help in case of a claim?
- Do they offer accident forgiveness?
- How long have they been in business?
- Is the agent CPCU or CIC certified?
Compare rates from both independent and exclusive car insurance agents
When finding an insurance agent, you need to know there are two types of agencies and how they can write your policy. Auto insurance agents in Memphis are classified as either independent or exclusive depending on the company they work for. Either one can write policy coverage, but it’s important to know the difference in how they write coverage because it may have an impact on which type of agent you select.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. These agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Many people buy insurance from these agents primarily because of the brand legacy rather than having the cheapest rates.
Listed below are exclusive agents in Memphis that can give you comparison quotes.
- Michelle L Wilson – State Farm Insurance Agent
5384 Poplar Ave Ste 439 – Memphis, TN 38119 – (901) 590-1922 – View Map - Heath Johnson – State Farm Insurance Agent
2657 Appling Rd #101 – Memphis, TN 38133 – (901) 372-2228 – View Map - Derrick Hodges – State Farm Insurance Agent
7249 Winchester Rd – Memphis, TN 38125 – (901) 572-1985 – View Map
Independent Agents (or Brokers)
Independent agents do not have single company limitations and that gives them the ability to insure with lots of companies and find you cheaper rates. If they find a lower price, the agent simply finds a different carrier and you don’t have to do anything. When comparing auto insurance rates, you should always get several quotes from several independent agencies to have the best price comparison. Most also write with smaller mutual companies which could offer lower prices.
The following is a short list of independent insurance agencies in Memphis who can help you get comparison quotes.
- BURFORD INSURANCE AGENCY
3325 KIRBY PKWY STE 102 – Memphis, TN 38115 – (901) 507-6873 – View Map - Kellett Insurance Agency
4608 Quince Rd – Memphis, TN 38117 – (901) 685-3008 – View Map - Collier Insurance
606 S Mendenhall Rd #200 – Memphis, TN 38117 – (901) 529-2900 – View Map
Why you need Audi vehicle insurance in Tennessee
Despite the fact that car insurance is not cheap in Memphis, car insurance is a good idea for several reasons.
- Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability in order to drive the car legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Audi TT RS, it’s guaranteed your bank will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
- Car insurance protects your car and your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your TT RS definitely exceed the price paid, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so you should quote rates at every renewal to be sure current rates are still competitive.
Auto insurance company ratings
Ending up with the highest-rated insurance provider can be difficult considering how many companies provide coverage in Memphis. The ranking data in the lists below could help you analyze which insurers to look at when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Shop around and save
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price, but do not skimp to save money.
We’ve covered many ideas to save on Audi TT RS insurance in Memphis. It’s most important to understand that the more times you quote, the higher your chance of finding low cost Memphis car insurance quotes. You may even discover the lowest car insurance rates come from some of the lesser-known companies.
People leave their current company for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, poor customer service or even not issuing a premium refund. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.
Steps to finding affordable quotes for Audi TT RS insurance in Memphis
If you want to save the most money, the best way to find cheaper prices for Audi TT RS insurance in Memphis is to start doing a yearly price comparison from providers who sell auto insurance in Tennessee.
- Learn about auto insurance and the things you can control to keep rates low. Many things that are responsible for high rates such as high-risk driving behaviors and a negative credit rating can be improved by improving your driving habits or financial responsibility.
- Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. View rates
- Compare the quotes to your current policy to see if a cheaper price is available in Memphis. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company to cancel your current coverage and submit a down payment along with a completed application to the newly selected company. Be sure to safely store the proof of insurance paperwork with the vehicle registration.
An important bit of advice to remember is that you’ll want to compare identical deductibles and limits on each quote and and to get rates from as many different insurance providers as possible. Doing this provides a fair price comparison and the best price selection.
Additional insurance information can be found at these links:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Which Company has the Cheapest Auto Insurance in Memphis, TN? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Good Drivers in Memphis? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford F-150 in Memphis? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Subaru Outback in Memphis? (FAQ)
- How Much are Car Insurance Rates for Uber Drivers in Memphis? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)