Finding cheaper insurance for your Audi TTS in Colorado can turn out to be a painful process, but you can follow a few tricks to save time.
There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to quote coverages for a new or used Audi and find the lowest possible price.
You should make it a habit to do rate comparisons once or twice a year because auto insurance prices go up and down regularly. Even if you got the lowest price on Audi TTS insurance in Denver a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to save money, get proper coverage and the best rates.
If you have a current auto insurance policy or need a new policy, take advantage of these tips to shop for the lowest rates without reducing coverage. Finding and comparing the lowest cost coverage in Denver is actually quite simple. Smart shoppers just need to learn the quickest way to compare rates online from multiple companies.
The companies in the list below can provide price quotes in Colorado. If multiple companies are listed, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Verify you’re earning every discount
Properly insuring your vehicles can get expensive, but there are discounts available that can dramatically reduce your bill. Most are applied when you get a quote, but some need to be manually applied before being credited. If you are not receiving all the discounts available, you are just wasting money.
- Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Denver and leave their car at home can be insured at a reduced rate.
- Low Mileage Discounts – Keeping the miles down on your Audi can qualify you for lower rates on the low mileage vehicles.
- Accident Forgiveness – This one is not really a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage if your claims history is clear for a set time period.
- Switch and Save Discount – A few insurance companies allow discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
- Defensive Driver Discount – Participating in a safe driver course may get you a small discount and also improve your driving technique.
- Claim-Free Discount – Insureds with no claims or accidents can earn big discounts when compared with accident-prone drivers.
- More Vehicles More Savings – Insuring multiple cars on a single policy may reduce the rate for each vehicle.
We need to note that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
To find insurance companies with the best discounts in Denver, click here to view.
Shop online but buy locally
Some people would rather get professional advice from a licensed agent and we recommend doing that Professional agents are highly skilled in risk management and help in the event of a claim. The best thing about comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. And providing support for local insurance agents is important especially in Denver.
To find an agent, once you fill out this simple form, the coverage information is transmitted to agents in your area that provide free Denver auto insurance quotes to get your business. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go immediately to you. If you need to get a rate quote from a particular provider, feel free to visit that company’s website to submit a rate quote request.
Two types of car insurance agents
When finding an insurance agent, you need to know there are two types of insurance agents and how they can service your needs differently. Insurance agencies in Denver may be either exclusive or independent (non-exclusive). Either one can sell affordable insurance policies, but it is a good idea to know the differences since it can affect your selection of an agent.
Independent Insurance Agencies or Brokers
Independent agencies do not have single company limitations and that is an advantage because they can write policies amongst many companies and find the cheapest rate. To transfer your coverage to a different company, your policy is moved internally and you don’t have to do anything.
When comparison shopping, you will definitely want to check rates from at a minimum one independent agency for maximum quote selection. A lot of them also have access to mutual insurance companies that many times have cheaper rates.
Listed below is a list of independent insurance agencies in Denver that may be able to provide pricing information.
- Westwood Insurance
57 W Alameda Ave – Denver, CO 80223 – (303) 722-2841 – View Map
- Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map
- L A Insurance
2684 S Broadway – Denver, CO 80210 – (303) 282-8000 – View Map
Exclusive Insurance Agents
These agents work for only one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive agents are highly trained on what they offer which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agents in Denver that are able to give price quotes.
- Jack Sunahara – State Farm Insurance Agent
3525 S Tamarac Dr #160 – Denver, CO 80237 – (303) 779-4848 – View Map
- Allstate Insurance: Jack Sughrue
3401 Quebec St Ste 9400 – Denver, CO 80207 – (303) 377-4767 – View Map
- Farmers Insurance – Angel Le
1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map
Picking the best car insurance agent requires more thought than just the quoted price. Agents should be asked these questions:
- Do they get paid more for recommending certain coverages?
- How often do they review coverages?
- Which family members are covered?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
- Where are claims handled?
There’s no such thing as the perfect car insurance policy
When selecting a policy for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and your car insurance should be unique as well.
These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- What if I don’t agree with a claim settlement offer?
- What does UM/UIM cover?
- Do I need more liability coverage?
- Can I still get insurance after a DUI?
- Can I get a multi-policy discount?
- Is my son or daughter covered when driving my car?
- Can my teen drive my company car?
If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
You Can Change Your Insurance Premiums
Many things are part of the equation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other factors are more obscure such as whether you are married or your financial responsibility. A large part of saving on auto insurance is knowing the different types of things that are used to determine the level of your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that may reward you with cheaper rates.
The items below are a partial list of the pieces used by companies to determine premiums.
The higher your credit history the lower your costs – Having a good credit rating is a big factor in determining what you pay for auto insurance. So if your credit is lower than you’d like, you may save money insuring your Audi TTS if you improve your credit rating. Insureds with good credit tend to be better risks to insure as compared to drivers with poor credit scores.
Pay more of a claim out-of-pocket – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims could be colliding with a stationary object, collision with a deer, and damage from wind. The larger the amount you choose to pay out-of-pocket, the less your auto insurance will be.
Additional coverages that may be costing you – Insurance companies have many add-on coverages that you can buy on your auto insurance policy. Things like roadside assistance, death and dismemberment, and membership fees could be just wasting money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
Job can influence rates – Did you know that where you work can have an impact on rates? Careers like doctors, executives and emergency personnel usually pay higher rates than average in part from stressful work requirements and incredibly demanding work hours. On the flip side, careers like scientists, historians and the unemployed receive lower rates.
Where you call home can affect prices – Living in less populated areas of the country has it’s advantages when talking about auto insurance. Residents of big cities have to deal with more aggressive driving styles and more time behind the wheel. Lower population means reduced accidents as well as less vandalism and auto theft.
Having a spouse equates to better premiums – Walking down the aisle may save some money when buying auto insurance. Having a spouse usually means you are more financially stable and insurance companies like that married couples file fewer claims.
Insure your auto and home with one company – Most larger auto insurance companies give discounts for people who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to shop around to help ensure you have the lowest rates. You may still be able to save even more than the discount by splitting coverages up.
Insurance loss probability for an Audi TTS – Insurers factor in insurance loss information to calculate a price that will offset any claims. Models that the statistics show to have higher claim amounts or frequency will cost more for specific coverages.
The information below illustrates the collected loss data for Audi TTS vehicles. For each coverage type, the claim probability for all vehicles as a whole is set at 100. Numbers below 100 represent a good loss history, while numbers shown that are more than 100 point to more frequent losses or larger claims.
Insurance Loss Ratings for Audi TTS Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi TTS 2dr 4WD||141|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insuring your Audi TTS just makes sense
Despite the high cost, car insurance may be required for several reasons.
First, just about all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance in order to license the vehicle. In Colorado 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.
Second, if you have a lien on your TTS, almost every bank will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Audi for a much higher rate and force you to pay the higher premium.
Third, car insurance protects both your car and your assets. It also can pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If your car is damaged in a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $825 a year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.
Quote. Compare. Save.
You just learned a lot of information how to compare Audi TTS insurance rates in Denver. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost Denver auto insurance quotes. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as GEICO and State Farm.
Cost effective Audi TTS insurance can be found both online and from local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer internet price quotes and most of the time these smaller providers work with independent insurance agents.
More tips and info about car insurance can be found in the articles below:
- Keeping Children Safe in Crashes Video (iihs.org)
- What is the Cheapest Auto Insurance in Denver, Colorado? (FAQ)
- Who Has Cheap Auto Insurance for a Company Car in Denver? (FAQ)
- How Much is Car Insurance for College Students in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Denver Auto Insurance Rates for High School Students? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)