It takes a few minutes, but the best way to get more affordable auto insurance rates in Las Vegas is to compare prices regularly from companies who provide car insurance in Nevada.
First, try to learn a little about how companies price auto insurance and the things you can change to drop your rates. Many risk factors that result in higher prices such as traffic citations, accidents, and an imperfect credit score can be eliminated by improving your driving habits or financial responsibility. This article provides more information to help keep rates affordable and find additional discounts.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple companies.
Third, compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse in coverage.
Fourth, tell your current company to cancel your current car insurance policy. Submit payment and a signed application to your new agent or company. When you receive it, safely store the proof of insurance certificate in an easily accessible location in your vehicle.
One key aspect of rate comparisons is to make sure you enter similar deductibles and liability limits on each quote and and to analyze as many different companies as possible. This ensures the most accurate price comparison and a complete price analysis.
We don’t have to point out that fact that auto insurance companies want to keep you from comparing rates. Insureds who shop around for a cheaper policy are very likely to switch insurance companies because there is a high probability of finding a lower rate. A study discovered that consumers who routinely shopped around saved $865 annually as compared to drivers who never shopped around for cheaper prices.
If saving money on Audi TT insurance in Las Vegas is your ultimate goal, knowing how to compare insurance coverage can help simplify the process.
Companies offering low-cost Audi TT rate quotes in Las Vegas, NV
The following companies can provide price comparisons in Nevada. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them in order to find the most affordable rates.
Rates and data analysis
The coverage information below covers estimates of policy rates for Audi TT models. Being more informed about how insurance rates are established can aid in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $288 | $616 | $400 | $24 | $120 | $1,448 | $121 |
| TT 2.0T Quattro 2-Dr Coupe | $288 | $616 | $400 | $24 | $120 | $1,448 | $121 |
| TT 2.0T Quattro 2-Dr Coupe | $288 | $616 | $400 | $24 | $120 | $1,448 | $121 |
| TT S 2.0T Quattro 2-Dr Coupe | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT S 2.0T Quattro 2-Dr Coupe | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT S 2.0T Quattro 2-Dr Roadster | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT 2.0T Quattro 2-Dr Roadster | $316 | $696 | $400 | $24 | $120 | $1,556 | $130 |
| TT S 2.0T Quattro 2-Dr Roadster | $346 | $776 | $400 | $24 | $120 | $1,666 | $139 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in garaging location in Las Vegas which can alter prices substantially.
Full coverage versus liability only rates
The diagram below shows the comparison of Audi TT auto insurance costs with and without physical damage coverage. The premium estimates are based on no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.
When to stop buying full coverage
There is no set guideline for phasing out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your Audi TT replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.
How Your TT Insurance Premiums are Determined
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that help determine the level of your policy premiums. If you understand what controls the rates you pay, this helps enable you to make changes that will entitle you to cheaper rates.
Vocation reflects on premiums – Jobs like judges, executives, and stock brokers have higher premium rates in part from stressful work requirements and extremely grueling work hours. On the other hand, jobs like actors, students and homemakers have the lowest average rates.
How’s your driving record? – Having just one speeding ticket can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers unfortunate enough to have license-revoking citations such as reckless driving or DUI may find they need to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.
The example below demonstrates how citations and accidents raise Audi TT insurance costs for each different age group. The rates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Extra policy coverages can add up – There are quite a few additional extra coverages that sound like a good idea at the time but may not be useful. Coverages for personal injury protection, towing coverage, and extra life insurance coverage are examples of these. They may sound like good ideas when discussing your needs, but your needs may have changed so consider taking them off your policy.
Premiums are affected by your address – Being located in a small town has it’s advantages when shopping for auto insurance. Fewer people corresponds to lower accident rates as well as less vandalism and auto theft. Drivers in populated Nevada areas have more traffic problems and more severe claims. The longer drive time means a statistically higher chance of an accident.
Buy a safe car and pay less – Safe vehicles tend to have better insurance rates. These vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums. If your Audi is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Loss statistics for an Audi TT – Companies analyze past claim statistics to determine a price that will be profitable for them. Vehicles that statistically have increased losses will have higher rates for specific coverages.
The table below illustrates the actual insurance loss data for Audi TT vehicles. For each policy coverage, the loss probability for all vehicles, as a total average, is set at 100. Percentages below 100 suggest a positive loss record, while percentages above 100 indicate more frequent claims or a tendency for claims to be larger.
| 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable Audi TT insurance rates in Las Vegas
Some insurance providers do not advertise every policy discount very well, so the list below contains both the well known and the harder-to-find discounts that may be available.
- Discounts for Multiple Vehicles – Having primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
- Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to bad drivers.
- Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small discount on rates.
Policy discounts save money, but most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way.
The diagram below illustrates the comparison of Audi TT auto insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.
Companies and their possible discounts are:
- GEICO may offer discounts for emergency military deployment, driver training, federal employee, military active duty, anti-lock brakes, and membership and employees.
- Travelers offers premium reductions for IntelliDrive, driver training, save driver, continuous insurance, multi-car, multi-policy, and payment discounts.
- Nationwide offers discounts for anti-theft, multi-policy, Farm Bureau membership, family plan, and business or organization.
- Farmers Insurance has discounts for homeowner, multi-car, teen driver, good student, youthful driver, early shopping, and business and professional.
- Esurance discounts include good driver, safety device, homeowner, anti-theft, and Switch & Save.
- State Farm policyholders can earn discounts including multiple autos, student away at school, Steer Clear safe driver discount, multiple policy, anti-theft, driver’s education, and defensive driving training.
- Progressive may include discounts for multi-policy, multi-vehicle, continuous coverage, homeowner, online signing, good student, and online quote discount.
- Mercury Insurance has savings for type of vehicle, anti-theft, age of vehicle, good student, and professional/association.
When comparing rates, check with each company or agent which discounts can lower your rates. Savings might not be available to policyholders everywhere. For a list of insurers who offer discounts in Nevada, follow this link.
Insurance is available from local insurance agents
Many drivers just prefer to get advice from a local agent. Good agents are very good at helping people manage risk and help submit paperwork. One of the benefits of price shopping on the web is that drivers can save money and get better rates and still choose a local agent. And providing support for local insurance agents is definitely important in Las Vegas.
For easy comparison, once you complete this short form, your coverage information is emailed to insurance agents in Las Vegas that can provide free Las Vegas car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you instantly. In the event you want to compare prices from a particular provider, just find their quoting web page and complete a quote there.
What types of auto insurance agents are in Las Vegas?
When finding an insurance agent, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Insurance policy providers are either exclusive or independent (non-exclusive). Either type can write policy coverage, but it’s good to learn the differences because it can factor into the kind of agent you use.
Independent Insurance Agencies
These agents are normally appointed by many insurers and that is an advantage because they can write policies through many companies and get the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and the insured can keep the same agent.
When comparison shopping, it’s recommended you get several quotes from at a minimum one independent agency to have the most options to choose from. Many write coverage with companies that do not advertise much which can save you money.
Below is a small list of independent agencies in Las Vegas that can possibly get you competitive price quotes.
- Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map - Red Rock Insurance
1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map - Alliance Insurance Agency
1955 E Tropicana Ave h – Las Vegas, NV 89119 – (702) 518-6727 – View Map
Exclusive Insurance Agents
Exclusive agencies can only place business with one company like American Family, State Farm, and Allstate. They generally cannot compare other company’s rates so you might not find the best rates. They are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. Some people will only use the same exclusive agent partially due to the brand name and the convenience of having a single billing for all their coverages.
Shown below are exclusive insurance agencies in Las Vegas willing to provide price quote information.
- David Habart – State Farm Insurance Agent
2035 Village Center Cir #100 – Las Vegas, NV 89134 – (702) 851-2400 – View Map - Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 – Las Vegas, NV 89103 – (702) 530-8822 – View Map - Allstate Insurance: Sergio A Chavez
4676 W Charleston Blvd – Las Vegas, NV 89102 – (702) 462-9100 – View Map
Selecting a auto insurance agent requires you to look at more than just the bottom line cost. The following questions are important to ask.
- Does their agency support local causes in Las Vegas?
- What insurance companies do they work with in Las Vegas?
- Is auto insurance their primary focus in Las Vegas?
- Will the company cover a rental car if your car is getting fixed?
- Is coverage determined by price?
- Do they reduce claim amounts on high mileage vehicles?
- What is the agency’s Better Business Bureau rating?
One last thing about your coverage
Drivers leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, delays in paying claims or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.
You just learned many tips how you can get a better price on Audi TT insurance in Las Vegas. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive Las Vegas car insurance quotes. You may even find the lowest premium rates come from a lesser-known regional company.
Discount Audi TT insurance in Las Vegas can be found from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and usually these regional carriers sell through independent agencies.
More learning opportunities
- Child Safety FAQ (iihs.org)
- Who Has Affordable Car Insurance Rates for Electric Cars in Las Vegas? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tacoma in Las Vegas? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Honda Pilot in Las Vegas? (FAQ)
- How Much is Las Vegas Auto Insurance for a School Permit? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance for High School Students? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in Las Vegas? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)