Insurance rates Audi TT in HonoluluWould you like an easy way to compare lower-priced Audi TT insurance in Honolulu? Using the web to shop for Honolulu car insurance quotes online can be difficult if you are someone who has never done online price quotes. Don't let that bother you because finding lower rates for Audi TT insurance in Honolulu is easier than you think.

Unimaginable but true, a large majority of drivers have bought insurance from the same company for at least the last four years, and practically 40% of insurance customers have never even compared quotes to find lower-cost rates. The average driver in Hawaii can cut their rates by almost $360 a year just by getting comparison quotes, but they don't invest the time required to go online and compare rates.

If you are paying for car insurance now, you will be able to cut your premiums using the tips covered below. Quoting and comparing cheaper auto insurance coverage in Honolulu is not as time-consuming as you think. Although Hawaii car owners need to have an understanding of how insurance companies price online insurance and use it to your advantage.

Four factors that influence insurance prices

It's important that you understand some of the things that help calculate your premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.

Occupation and insurance premiums - Did you know your job can affect your rates? Occupations such as military personnel, air traffic controllers, and accountants tend to pay higher average rates in part from intense work requirements and incredibly demanding work hours. Conversely, careers like actors, historians and homemakers pay the least.

Men tend to take more risk - The statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Males and females get in fender benders at about the same rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations such as reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and are penalized with high car insurance rates.

Teen driver insurance costs - Drivers with little experience have a tendency to be inattentive and easily distracted behind the wheel so car insurance rates are higher. Older people are more cautious drivers, tend to file fewer claims, and are generally more financially stable.

Incidental coverages that may not be needed - There are a lot of additional coverages that can waste your money if you don't pay attention. Coverages for personal injury protection, towing coverage, and extra life insurance coverage are some examples. They may sound like good ideas when discussing your needs, but if you don't need them get rid of them and save.

Audi TT insurance loss statistics - Insurers use past insurance losses to calculate a price that will offset losses. Models that statistically have higher claim amounts or frequency will have increased rates.

The table shown below demonstrates the collected loss data for Audi TT vehicles. For each coverage category, the claim amount for all vehicles averaged together is represented as 100. Numbers under 100 indicate a favorable loss history, while percentage numbers above 100 point to more frequent losses or an increased likelihood of larger losses.

Car Insurance Loss Data for Audi TT Models

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi TT 2dr 4WD 168 111
Audi TTS 2dr 4WD 141
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

It's important to know that quoting more increases your odds of finding more affordable insurance. Not every company provides price estimates online, so you should also compare price quotes from them, too.

The companies shown below provide quotes in Honolulu, HI. If the list has multiple companies, it's highly recommended you visit as many as you can to get the best price comparison.

Audi TT Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $234 $430 $272 $16 $82 $1,034 $86
TT 2.0T Quattro 2-Dr Coupe $222 $458 $300 $18 $90 $1,088 $91
TT 2.0T Quattro 2-Dr Coupe $246 $574 $300 $18 $90 $1,228 $102
TT S 2.0T Quattro 2-Dr Coupe $160 $306 $272 $16 $82 $836 $70
TT 2.0T Quattro 2-Dr Roadster $210 $392 $272 $16 $82 $972 $81
TT 2.0T Quattro 2-Dr Roadster $244 $524 $248 $14 $74 $1,104 $92
TT S 2.0T Quattro 2-Dr Coupe $244 $518 $300 $18 $90 $1,170 $98
TT S 2.0T Quattro 2-Dr Roadster $272 $650 $300 $18 $90 $1,330 $111
TT 2.0T Quattro 2-Dr Roadster $244 $524 $248 $14 $74 $1,104 $92
TT S 2.0T Quattro 2-Dr Roadster $242 $538 $344 $20 $104 $1,248 $104
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in your specific Honolulu location which can increase or decrease premium rates noticeably.

Physical damage deductibles

The diagram below illustrates how your deductible choice and can raise or lower Audi TT insurance costs for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, and no discounts are factored in.

Poor driving habits will raise your car insurance rates

The diagram below shows how traffic citations and fender-benders raise Audi TT insurance costs for each age group. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Comparison of policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates may help to conceptualize the differences in price when you buy lower versus higher policy deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Audi TT insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $258 $468 $264 $16 $80 $1,111 $93
TT 2.0T Quattro 2-Dr Coupe $258 $468 $264 $16 $80 $1,111 $93
TT 2.0T Quattro 2-Dr Coupe $258 $468 $264 $16 $80 $1,111 $93
TT S 2.0T Quattro 2-Dr Coupe $284 $528 $264 $16 $80 $1,197 $100
TT 2.0T Quattro 2-Dr Roadster $284 $528 $264 $16 $80 $1,197 $100
TT 2.0T Quattro 2-Dr Roadster $284 $528 $264 $16 $80 $1,197 $100
TT S 2.0T Quattro 2-Dr Coupe $284 $528 $264 $16 $80 $1,197 $100
TT S 2.0T Quattro 2-Dr Roadster $284 $528 $264 $16 $80 $1,197 $100
TT 2.0T Quattro 2-Dr Roadster $284 $528 $264 $16 $80 $1,197 $100
TT S 2.0T Quattro 2-Dr Roadster $310 $590 $264 $16 $80 $1,285 $107
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Audi TT insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TT 2.0T Quattro 2-Dr Coupe $158 $294 $264 $16 $80 $812 $68
TT 2.0T Quattro 2-Dr Coupe $158 $294 $264 $16 $80 $812 $68
TT 2.0T Quattro 2-Dr Coupe $158 $294 $264 $16 $80 $812 $68
TT S 2.0T Quattro 2-Dr Coupe $176 $332 $264 $16 $80 $868 $72
TT 2.0T Quattro 2-Dr Roadster $176 $332 $264 $16 $80 $868 $72
TT 2.0T Quattro 2-Dr Roadster $176 $332 $264 $16 $80 $868 $72
TT S 2.0T Quattro 2-Dr Coupe $176 $332 $264 $16 $80 $868 $72
TT S 2.0T Quattro 2-Dr Roadster $176 $332 $264 $16 $80 $868 $72
TT 2.0T Quattro 2-Dr Roadster $176 $332 $264 $16 $80 $868 $72
TT S 2.0T Quattro 2-Dr Roadster $192 $372 $264 $16 $80 $924 $77
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in your specific Honolulu location which can affect premium rates considerably.

Based on the above data, using a $250 deductible will cost in the ballpark of $28 more each month or $336 each year than quoting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 27 months between claim filings, you would probably come out ahead going with the higher deductible.

Do you really save 40% when you switch?

Respected companies like GEICO, State Farm and Progressive endlessly run ads in print and on television. They all say the same thing that drivers will save a bundle if you just switch to their company. How do they all charge you less for auto insurance? Here is the trick they use.

Car insurance companies have specific characteristics for the right customer that earns them a profit. For example, a driver they prefer may need to be over the age of 45, carries full coverage, and insures a new vehicle. Any driver that fits those parameters will get very good Honolulu premium rates and will save when switching.

Potential insureds who don't meet this stringent profile may receive a higher rate and this results in the customer not buying. The ads state "drivers that switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's the way insurance companies can confidently make claims that they all have the best premium rates. This really illustrates why drivers must get Honolulu car insurance quotes as often as possible. You cannot predict the company that will fit your personal profile best.

Choosing the best Audi vehicle insurance in Hawaii is an important decision

Even though Honolulu TT insurance rates can get expensive, insurance is required in Hawaii but it also protects you in many ways.

The benefits of insuring your car more than cancel out the cost, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying over $820 a year so you should quote your policy with other companies at least once a year to make sure the price is not too high.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will automatically apply when you quote, but a few need to be specifically requested in order for you to get them.Save money with discounts

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, company stockholders wouldn't be very happy.

If you would like to view companies offering insurance discounts in Honolulu, follow this link.

Local Honolulu insurance agencies

Many drivers just want to get advice from a local agent and that is a smart decision One of the best bonuses of getting free rate quotes online is you can get cheap auto insurance rates and still choose a local agent.

Insurance agency in HonoluluFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to agents in your area who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your house because quoted prices will be sent instantly to you. You can most likely find cheaper rates and a licensed agent to talk to. In the event you want to get a comparison quote for a specific company, you can always jump over to their website and give them your coverage information.

Finding the right company requires more thought than just a cheap quote. These are some questions you should get answers to.

If you want to buy auto insurance from a local Honolulu insurance agency, there are two types of insurance agents and how they are slightly different. Auto insurance agents can be classified as either exclusive agents or independent agents.

Exclusive Agencies

These type of agents can only provide one company's prices such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide other company's prices so always compare other rates. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to buy from the same agent for years primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

Listed below is a list of exclusive insurance agencies in Honolulu that are able to give comparison quotes.

View more Honolulu agents

Independent Auto Insurance Agencies

Independent agencies often have many company appointments and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When comparing auto insurance rates, we recommend you include a few independent agents to have the most options to choose from. A lot of them also have access to smaller companies that many times have cheaper rates.

The following are independent agencies in Honolulu that are able to give price quote information.

View more Honolulu agents

Upon receiving answers to your satisfaction to these questions and a good coverage price, you may have just found an insurance agency that is reputable and can insure your vehicles. But keep in mind policyholders can terminate coverage when you choose so never assume you're contractually obligated to any specific company for the entire policy term.

When in doubt talk to an agent

When quoting and comparing the best auto insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Everyone's situation is unique so your insurance should reflect thatAuto insurance savings Here are some questions about coverages that can aid in determining if your situation may require specific advice.

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Don't give up on cheap coverage

There are still a few companies who do not offer online quoting and most of the time these smaller companies only sell coverage through independent agencies. Low-cost Audi TT insurance in Honolulu can be sourced online in addition to local insurance agencies, so you need to compare both to have the best selection.

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your goal is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Throughout this article, we presented some good ideas how you can get a better price on Audi TT insurance in Honolulu. The key thing to remember is the more price quotes you have, the better chance you'll have of finding inexpensive Honolulu car insurance quotes. You may even discover the best prices are with an unexpected company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

More detailed insurance information is available by following these links: