Discount Audi A3 insuranceWant to learn a better way to compare low-cost Audi A3 insurance in Colorado Springs? Did budget coverage turn out to be overpriced Audi A3 insurance in Colorado Springs? It's a common feeling and many Colorado Springs consumers feel financially strained by their auto insurance policy.

Sad but true, about 70% of customers have been with the same company for more than four years, and approximately 38% of consumers have never even compared quotes to find affordable rates. Colorado Springs drivers could save as much as $605 a year just by comparing rates, but they don't know the actual amount they would save if they moved their coverage to a different company.

With consumers having so many different company options, it is very difficult to find a more affordable insurer.

You need to do price comparisons as often as possible because rates trend upward over time. Despite the fact that you may have had the best premium rates on Audi A3 insurance in Colorado Springs a year ago you will most likely find a better price today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

How to buy Colorado Springs Audi A3 insurance online

When comparison shopping, quoting more helps you find better pricing.

The companies in the list below are our best choices to provide comparison quotes in Colorado Springs, CO. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.

Audi A3 Insurance Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $260 $662 $396 $24 $118 $1,460 $122
A3 2.0T Premium Plus Package $192 $340 $460 $28 $138 $1,158 $97
A3 2.0T Quattro $294 $608 $456 $28 $136 $1,522 $127
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in zip code location which can influence prices greatly.

Higher deductibles lower rates

A question often asked by Colorado Springs drivers is how high or low should comp and collision deductibles be. The premium rates below can help show how much more you'll pay of buying low and high insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Audi A3 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $272 $538 $352 $20 $106 $1,313 $109
A3 2.0T Premium Plus Package $272 $538 $352 $20 $106 $1,313 $109
A3 2.0T Quattro $306 $538 $352 $20 $106 $1,347 $112
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Audi A3 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $168 $340 $352 $20 $106 $986 $82
A3 2.0T Premium Plus Package $168 $340 $352 $20 $106 $986 $82
A3 2.0T Quattro $190 $340 $352 $20 $106 $1,008 $84
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in your specific Colorado Springs location which can lower or raise prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $27 more each month or $324 for a full year than choosing the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 28 months between claim filings, you would save more money by selecting a higher deductible.

Auto insurance deductibles

The chart below illustrates how your choice of deductibles and can affect Audi A3 insurance costs for each age group. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.

Cheap Colorado Springs auto insurance rates with discounts

Insurance can be prohibitively expensive, but there could be available discounts that could drop your premiums quite a bit. Some discounts will apply at the time of purchase, but a few need to be asked for in order for you to get them.Save money with discounts

Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Despite the appearance that it's possible to get free car insurance, that's just not realistic.

To view insurers that offer discounts in Colorado, follow this link.

Why you need vehicle insurance in Colorado

Despite the potentially high cost of Audi A3 insurance, insuring your vehicle serves a purpose in several ways.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to drive the car. 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 car, it's guaranteed your bank will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Audi at a much higher premium rate and force you to pay for the expensive policy.

Third, car insurance protects both your assets and your Audi A3. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. The average driver in Colorado is currently overpaying as much as $700 annually so compare rate quotes every year to ensure rates are competitive.

What is the best car insurance coverage?

When buying the right insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Your needs are unique to you.Drive safe and save

Here are some questions about coverages that may help you determine whether you might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

When to have guidance from an insurance agency

Certain consumers would rather get professional advice from a licensed agent and we recommend doing that One of the best bonuses of getting online price quotes is that you can obtain the best rates but also keep your business local.

Colorado Springs insurance agentsFor easy comparison, once you complete this short form, your information is instantly submitted to local insurance agents in Colorado Springs that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to do any legwork as quotes are delivered instantly to you. You can find better rates without having to waste a lot of time. In the event you want to get a rate quote from a specific auto insurance provider, just go to their quote page to submit a rate quote request.

Choosing an insurer shouldn't rely on just a cheap quote. Before buying a policy in Colorado Springs, get answers to these questions.

When researching a local Colorado Springs insurance agency, you must know there are a couple types of agencies that you can choose from. Agents in Colorado Springs may be either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that elect to be exclusive have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company's rates so always compare other rates. They are trained well on their company's products which helps them sell insurance even at higher premiums.

Listed below are Colorado Springs exclusive agencies who can help you get comparison quotes.

6130 Barnes Rd #104 - Colorado Springs, CO 80922 - (719) 598-8211 - View Map

1806 Dominion Way Suite A - Colorado Springs, CO 80918 - (719) 630-1800 - View Map

12229 Voyager Pkwy Ste 100 - Colorado Springs, CO 80921 - (719) 599-3600 - View Map

More Colorado Springs agents

Independent Agencies or Brokers

Agents of this type are not limited to a single company so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move the coverage in-house which is easy for the insured. When comparing auto insurance prices, you should always get rate quotes from a few independent agents so that you can do a thorough price comparison.

Shown below is a short list of independent insurance agents in Colorado Springs willing to provide price quotes.

3485 Academy Blvd N Ste 101 - Colorado Springs, CO 80917 - (719) 599-9494 - View Map

5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079 - View Map

1880 Dublin Blvd # C - Colorado Springs, CO 80918 - (719) 528-1555 - View Map

More Colorado Springs agents