Best Insurance for an Audi A4 in Denver

Do you want a faster way to compare more affordable Audi A4 insurance in Denver? There isn’t anyone who likes paying for car insurance, particularly when the cost is too high.

Unthinkable but true, most Colorado car insurance customers have stayed with the same insurance company for more than four years, and practically 40% of car insurance customers have never compared rates from other carriers. U.S. drivers can cut their rates by 47% a year just by shopping around, but most just don’t grasp the rate savings if they replace their high priced policy. Drivers have so many car insurance companies to buy insurance from, and although it’s nice to have a selection, more options can take longer to compare rates and cut insurance costs.

Companies offering cheap Audi A4 prices in Denver, CO

The companies in the list below are ready to provide quotes in Colorado. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in vehicle garaging location which can lower or raise insurance rates significantly.

How much more does full coverage cost?

The illustration below illustrates the difference between Audi A4 car insurance rates with and without full coverage. The prices are based on no accidents, no driving violations, $500 deductibles, married female driver, and no other discounts are factored in.

When to stop buying full coverage

There is no specific rule for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Audi A4 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after you pay the deductible. If you are currently paying more than $600 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Physical damage deductibles: Should you raise them?

When buying car insurance, a common question is which deductibles should you choose. The data tables below can help you understand the differences in price between low and high physical damage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can alter coverage prices significantly.

Based on the figures above, using a $250 deductible would cost the average driver about $16 more each month or $192 annually than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claims, you would most likely save money going with the higher deductible.

Analysis of deductible levels

The chart below highlights how deductible choice and can increase or decrease Audi A4 insurance rates for each different age group. Data assumes a single female driver, full physical damage coverage, and no discounts are applied.

Lower Your Denver Insurance Prices

Many different elements are part of the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but some are more transparent such as your marital status or how safe your car is. Consumers need to have an understanding of a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

• Bad credit will cost you – Having a good credit score factor in determining what you pay. If your credit can use some improvement, you could potentially save money when insuring your Audi A4 by taking the time to improve your credit score. Insureds with high credit ratings tend to be less risk to insure than those with poor credit.
• Gender impacts prices – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes cause at-fault accidents at a similar rate, but men get into accidents with more damage. Men also tend to get higher numbers of serious violations like reckless driving and DUI.
• Deter car thieves – Buying a car with advanced anti-theft systems can help bring down rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft.
• Bundle policies with the same company – Most larger companies apply lower prices to people who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, drivers will still want to comparison shop to guarantee you are still saving the most. Drivers may still save even more even if you have your coverage with different companies
• More miles driven equals more premium – The higher the miles on your Audi in a year the higher your rates will be. Almost all companies calculate rates based on their usage. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Incorrect rating for your A4 can result in significantly higher rates. It’s always a good idea to double check that your vehicle rating correctly shows the correct driver usage, because improper ratings can cost you money.
• Reduce premiums by driving vehicles with better crash test results – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries means less claims paid and thus lower rates. If the Audi A4 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Single drivers take more risk – Having a spouse actually saves money on your insurance bill. It demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
• Audi A4 insurance loss probability – Car insurance companies use statistical claims data when they file their rates in each state. Vehicles that are shown to have higher prevalence or dollar amount of losses will cost more for coverage. The table below shows the actual insurance loss data for Audi A4 vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while values that are above 100 point to more losses or an increased likelihood of larger losses.

  Insurance Loss Ratings for Audi A4 Vehicles

  Specific Audi Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A4 4dr 2WD	179	107	103	80	112	100
  Audi A4 4dr 4WD	160	94	118	66	68	77
  Audi A4 Allroad Station Wagon 4WD	145	84	110	47	47	70

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get cheap Audi A4 insurance in Denver with discounts

Insurance is not an enjoyable expense, but there could be available discounts to help offset the cost. Most are applied when you purchase, but lesser-known reductions have to be asked for in order for you to get them.

• No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Denver car insurance quote when compared with frequent claim filers.
• Accident Forgiveness – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Resident Student – Older children who are enrolled in higher education away from home and leave their car at home could get you a discount.
• Braking Control Discount – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more on A4 insurance in Denver.
• Passive Restraints – Factory options such as air bags or automatic seat belts may get savings as much as 30%.
• Theft Deterrent – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more on A4 insurance in Denver.
• Renewal Discounts – A few insurance companies allow discounts for buying a policy before your current coverage expires. It’s a savings of about 10%.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Discount for Low Mileage – Fewer annual miles on your Audi may allow you to get lower insurance rates on the low mileage vehicles.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, nobody gets a free ride. But any discount will cut the cost of your policy.

Some of the larger companies that may offer most of the discounts above include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

When getting free Denver car insurance quotes, it’s a good idea to every company what discounts are available to you. Discounts might not be offered in Denver. To see providers that have a full spectrum of discounts in Denver, click here.

Exclusive and independent car insurance agents

Some consumers just want to buy from a local agent and that is a personal choice. Professional agents can help you build your policy and give you someone to call. A good thing about getting free rate quotes online is you may find cheap insurance quotes and still have a local agent.

To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to local insurance agents in Denver that give free quotes for your business. You never need to do any legwork as quotes are delivered instantly to you. If for some reason you want to get a comparison quote from a particular provider, feel free to visit that company’s website to submit a rate quote request.

Selecting a provider should include more criteria than just a cheap price. Agents should be asked these questions:

• What will you get paid if your car is a total loss? How is that amount determined?
• Which members of your family are coverage by the policy?
• By raising physical damage deductibles, how much would you save?
• Which companies do they recommend if they are an independent agency?
• Are they able to provide referrals?
• What discounts might you be missing?
• Do you work with a CSR or direct with the agent?

If you are wanting to find an insurance agent, you need to know there are two different agency structures and how they function. Insurance agencies are considered either independent agents or exclusive agents. Both can write insurance policies, but we need to point out how they are different since it could factor into which type of agent you select.

Exclusive Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are usually well trained on their company’s products which aids in selling service over price.

Shown below is a short list of exclusive insurance agents in Denver that can give you price quotes.

More insurance agents

Independent Agents

These type of agents do not sell for just one brand and that enables them to quote your coverage through many different insurance companies enabling the ability to shop coverage around. If your premiums go up, your policy is moved internally and the insured can keep the same agent.

If you need lower rates, we highly recommend that you compare quotes from at least one independent agent to have the best price comparison.

Listed below are Denver independent agents who can help you get price quote information.

More insurance agents

After getting acceptable answers to all your questions as well as an affordable premium quote, chances are good that you have found an insurance agent that is a good match to properly insure your vehicles.

Advertising and insurance

Colorado consumers get pounded daily by advertisements that claim the cheapest rates from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the point that people will save if you move to them.

How is it plausible that every one can give you a better price on Audi A4 insurance in Denver? Here is how they do it.

Insurance companies require specific criteria for the type of customer they prefer to insure. One example of a desirable insured may need to be over the age of 35, has never had a policy lapse, and does not commute to work. A customer getting a price quote that matches those criteria may get the lowest premium rates in Denver and therefore will save when switching.

Drivers who do not match the ideal profile must pay more expensive rates which usually ends up with business going elsewhere. The ads state “customers that switch” not “all people who quote” will save that much if they switch. That’s why companies can lure you into getting a quote. This really emphasizes why you really should do a quote comparison often. It is impossible to guess which company will be your best fit.

In the end, you can save money

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Low-cost Audi A4 insurance in Denver is definitely available from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these small insurance companies only sell coverage through independent agents.

More tips and info about car insurance is located at these sites:

• Tools for Teen Driving Safety (State Farm)
• What is the Cheapest Auto Insurance in Denver, Colorado? (FAQ)
• How Much are Auto Insurance Rates for Drivers with Bad Credit in Denver? (FAQ)
• Who Has the Cheapest Denver Car Insurance for Nurses? (FAQ)
• How Much are Auto Insurance Quotes for a Learners Permit in Denver? (FAQ)
• How Much is Denver Auto Insurance for Postal Workers? (FAQ)
• What Insurance is Cheapest for Seniors in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance for a Honda Civic? (FAQ)
• Safe Vehicles for Teens (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)