Cheapest Audi TT Insurance in Honolulu

Do you get exhausted from being strong-armed each month for car insurance? You are in the same boat as most other drivers in Hawaii.

Statistics show that a large majority of drivers in Hawaii renewed their policy with the same company for at least the last four years, and almost 40% of drivers have never compared rates with other companies. American consumers could save themselves nearly $859 a year just by comparing rates, but they don’t invest the time required to find cheap insurance by shopping around. Many insurers vie for your business, and it can be difficult to compare rates to get the best price available on Audi TT insurance in Honolulu.

Consumers need to compare premium rates quite often since prices change quite often. Even if you got the best rates on Audi TT insurance in Honolulu six months ago a different company probably has better rate quotes today. You can find a lot of wrong information about TT insurance out there, but you can learn some solid techniques on how to save money.

Affordable companies for Audi TT insurance in Hawaii

The following companies offer comparison quotes in Honolulu, HI. If multiple companies are shown, we suggest you get rates from several of them to find the lowest auto insurance rates.

Premium rates and analysis

The coverage table displayed below covers detailed analysis of policy rates for Audi TT models. Having knowledge of how insurance prices are calculated is important for making smart buying decisions.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in garaging location in Honolulu which can increase or decrease prices substantially.

Comparison of policy deductibles

One common question asked by Honolulu drivers is which comprehensive and collision deductibles to buy. The rates below illustrate the cost difference when you choose different comp and collision deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific location which can affect insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $28 more each month or $336 every year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 27 months between claim filings, you would probably come out ahead going with the higher deductible.

The chart below shows how different deductible levels and can change Audi TT yearly insurance costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Impact of age and gender on auto insurance rates

The example below visualizes the comparison of Audi TT insurance rates for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Audi TT liability-only versus full coverage

The diagram below illustrates the comparison of Audi TT car insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no set rule for eliminating full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your Audi TT settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your deductible. If you are paying in excess of $300 annually for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where only buying liability is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Cheaper rates on Audi TT insurance in Honolulu with these discounts

Some companies don’t always publicize all possible discounts very well, so we researched some of the best known and the harder-to-find discounts that you may qualify for. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

• Include Life Insurance and Save – Select insurance carriers reward you with a break if you buy some life insurance too.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 15% off the personal injury premium cost.
• Discount for Low Mileage – Driving fewer miles can earn slightly better premium rates than normal.
• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote Honolulu car insurance with a few insurance companies.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
• Save with More Vehicles Insured – Drivers who insure several vehicles on a single policy may reduce the rate for each vehicle.
• No Claims – Honolulu drivers who stay claim-free can earn big discounts compared to insureds who have frequent claims or accidents.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount because newer models are generally safer.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

The diagram below visualizes the comparison of Audi TT auto insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, a clean driving record, no claims, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, marriage, and homeowner discounts applied.

Popular insurance companies and some of the premium reductions they offer can be found below.

• Farm Bureau has discounts for multi-vehicle, 55 and retired, good student, youthful driver, safe driver, and multi-policy.
• State Farm discounts include student away at school, good driver, driver’s education, multiple autos, and defensive driving training.
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, homeowner, online signing, good student, multi-vehicle, and multi-policy.
• Allstate may include discounts for defensive driver, premier discount, EZ pay plan discount, premier plus, senior citizen, and multi-policy.
• Nationwide includes discounts for family plan, business or organization, easy pay, Farm Bureau membership, anti-theft, multi-policy, and defensive driving.
• MetLife may have discounts that include accident-free, claim-free, defensive driver, good student, and multi-policy.

Before buying, ask all companies you are considering which discounts can lower your rates. Some discounts might not be offered in your area.

Compare prices but buy from a local Honolulu insurance agent

Many drivers still like to visit with an insurance agent and that is recommended in a lot of cases Insurance agents can answer important questions and help submit paperwork. A nice benefit of comparing rates online is the fact that you can find lower prices but still work with a licensed agent. Putting coverage with local agencies is important particularly in Honolulu.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Honolulu that can provide free Honolulu car insurance quotes for your coverage. You never need to search for any insurance agencies due to the fact that quote results will go to the email address you provide. If you wish to get a rate quote for a specific company, you can always jump over to their website and fill out their quote form.

Listed below are Honolulu car insurance companies that may be able to provide comparison quotes for Audi TT insurance in Honolulu.

View more Honolulu agents

Choosing the best insurance company shouldn’t rely on just the bottom line cost. The following questions are important to ask.

• Will high miles depreciate repair valuations?
• Are all drivers listed on the coverage quote?
• Does the agency have a good rating with the Better Business Bureau?
• Do they have 24-hour customer assistance?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Has the agent ever had any license suspensions?
• Do they regularly work with personal auto policies in Honolulu?

After talking to the agent and getting reasonable responses to any questions you have and the cheapest Audi TT insurance in Honolulu quotes, you may have just found an insurer that is reputable and can properly insure your vehicles.

Cheaper auto insurance rates are possible

Cheaper auto insurance in Honolulu is available both online as well as from independent agents in Honolulu, and you need to comparison shop both so you have a total pricing picture. A few companies may not offer online rate quotes and many times these regional carriers prefer to sell through independent insurance agents.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

You just learned a lot of ways to get a better price on Audi TT insurance in Honolulu. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with a small mutual company. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Steps to saving money on Audi TT insurance in Honolulu

If you want to save the most money, the best way to get the cheapest auto insurance rates is to compare prices at least once a year from companies who provide car insurance in Honolulu. This can be done by completing these steps.

• First, it will benefit you to learn about auto insurance and the things you can change to lower rates. Many risk factors that increase rates such as multiple speeding tickets and a not-so-good credit rating can be amended by making minor changes to your lifestyle.
• Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple companies.
• Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote, verify that coverage does not lapse between policies.
• Fourth, provide proper notification to your current company of your intent to cancel your existing policy. Submit a down payment and signed policy application for the new policy. When you receive it, put the new certificate verifying proof of insurance along with your vehicle registration.

One bit of advice is that you’ll want to compare the same coverage limits and deductibles on each quote request and and to get rate quotes from all possible companies. This guarantees a fair price comparison and a complete rate analysis.

Additional detailed information can be read in the articles below:

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• How Much are Honolulu Auto Insurance Quotes for a Ford F-150? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in Honolulu? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Government Employees in Honolulu? (FAQ)
• Who Has the Cheapest Honolulu Auto Insurance Quotes for Ride Shares? (FAQ)
• What is a Telematics Device? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)