Would you like to buy more affordable Audi A4 insurance in Aurora? Are you overwhelmed by the dozens of insurance providers in Aurora? Many other drivers are too. You have so many options that it can really be a difficult challenge to find better rates for Audi A4 insurance in Aurora. Aurora is a wonderful place to live, but having to pay for pricey insurance can make it impossible to afford proper coverage amounts.
It's hard to believe, but 70% of consumers have purchased from the same company for more than four years, and approximately 38% of consumers have never even compared quotes to find lower-cost rates. American drivers could save themselves almost 47% a year, but they don't want to take the time to find lower-cost insurance rates.
Affordable Audi A4 insurance in Aurora
Not many people think insurance is cheap, but you might be missing out on some discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but less common discounts must be asked for prior to getting the savings.
- 55 and Retired - Older drivers can possibly qualify for reduced rates.
- Distant College Student Discount - Any of your kids who are enrolled in a college that is more than 100 miles from Aurora without a vehicle on campus may qualify for this discount.
- Discounts for Government Workers - Employees or retirees of the government may reduce rates when you quote Aurora auto insurance with a few insurance companies.
- Safety Course Discount - Participating in a driver safety class can save you 5% or more if you qualify.
- Low Miles Discount - Driving less can earn substantially lower insurance rates.
Discounts lower rates, but some credits don't apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it's just not the way it works. Any amount of discount should help reduce the amount you pay for coverage.
To locate providers with the best Audi A4 insurance discounts in Aurora in Colorado, click this link.
It's important to know that having more price comparisons gives you a better chance of getting the best price. Not every company does rate quotes online, so you need to compare prices from them as well.
The companies in the list below have been selected to offer quotes in Aurora, CO. If multiple providers are shown, we recommend you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$262||$614||$330||$20||$98||$1,324||$110|
|A4 2.0T Premium Turbo 4-Dr Sedan||$192||$360||$330||$20||$98||$1,000||$83|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$294||$630||$368||$22||$110||$1,424||$119|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$278||$570||$362||$22||$108||$1,340||$112|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$192||$360||$362||$22||$108||$1,044||$87|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$294||$608||$396||$24||$118||$1,440||$120|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$334||$714||$426||$26||$128||$1,628||$136|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$240||$390||$460||$28||$138||$1,256||$105|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$326||$726||$396||$24||$118||$1,590||$133|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$182||$382||$368||$22||$110||$1,064||$89|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can revise price quotes considerably.
Impact of violations and accidents on rates
The illustration below shows how traffic citations and at-fault collisions increase Audi A4 insurance prices for different age groups. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
You may need specialized insurance coverage
When it comes to your policy for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique and your insurance should be unique as well. For instance, these questions might help in determining whether or not you will benefit from professional help.
- Do I pay less for low miles?
- Should I file a claim if it's only slightly more than my deductible?
- Do I need medical payments coverage since I have good health insurance?
- What if a claim settlement is too low?
- Why is insurance for a teen driver so high in Aurora?
- What is covered by UM/UIM coverage?
If you're not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don't have a local agent, fill out this quick form or click here for a list of insurance companies in your area.
Compare rate quotes but still have a neighborhood Aurora auto insurance agent
Many people prefer to visit with an insurance agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is the fact that drivers can get lower rates and still have an agent to talk to. Buying from and supporting neighborhood agents is important especially in Aurora.
By using this quick form, your insurance coverage information is sent to local insurance agents who want to provide quotes for your insurance coverage. You won't even need to find an agent since rate quotes are delivered immediately to you. You can find lower rates without a big time investment. If for some reason you want to compare rates from a specific company, you can always search and find their rate quote page and give them your coverage information.
When narrowing the list to find a reputable insurance agent or broker, you must know there are a couple different types of agents and how they are distinctly different. Insurance agents in Aurora are categorized either exclusive agents or independent agents.
Independent Insurance Agencies or Brokers
Agents that choose to be independent are not locked into one company so they have the ability to put coverage through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, your policy is moved internally and you don't have to find a new agent.
When comparing rates, we recommend you get several quotes from a couple of independent agencies in order to compare the most rates. Most have the option of insuring with companies that do not advertise much who may have lower rates.
Listed below is a partial list of independent agencies in Aurora that may be able to give you free insurance quotes.
- A Complete Home and Auto Insurance Agency
1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map
- Premier Insurance
2241 S Peoria St # 202 - Aurora, CO 80014 - (303) 337-3600 - View Map
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
Exclusive Insurance Agents
Exclusive insurance agents normally can only provide a single company's rates like State Farm, AAA, Farmers Insurance or Allstate. They are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Drivers often purchase coverage from exclusives mostly because of the prominent brand name rather than low price.
The following are Aurora exclusive insurance agencies that are able to give price quote information.
- Stan Kellogg - State Farm Insurance Agent
15434 E Orchard Rd - Aurora, CO 80016 - (303) 699-2288 - View Map
- Paul Macaluso - State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave - Aurora, CO 80015 - (303) 690-6700 - View Map
- Farmers Insurance - Patricia Rusho
13780 E Rice Pl #112 - Aurora, CO 80015 - (303) 317-2411 - View Map
Finding the right car insurance agent should include more criteria than just the price. Get answers to these questions too.
- What company do they have the most business with?
- Is the agent CPCU or CIC certified?
- Do they see any coverage gaps in your plan?
- What are the financial ratings for the companies they represent?
- Do they write coverage based solely on cost?
- Is every driver in your family covered?
- Are there any discounts that you might be missing?
Choosing Audi vehicle insurance is an important decision
Even though it's not necessarily cheap to insure an Audi in Aurora, maintaining insurance is required in Colorado but also provides important benefits.
- The majority of states have mandatory liability insurance requirements which means the state requires a specific minimum amount 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.
- If your A4 has a lienholder, almost every bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Audi at a significantly higher premium and require you to pay for it.
- Car insurance protects both your Audi and your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of having insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in Colorado overpays as much as $830 a year so it's important to compare rates once a year at a minimum to be sure current rates are still competitive.
Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.
Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, hitting a deer and rock chips in glass. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Liability - Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/15 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $15,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like medical expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it's cheap coverage so purchase as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible on your A4 to bring the cost down.
Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses such as EMT expenses, hospital visits, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Since a lot of drivers have only the minimum liability required by law (Colorado limits are 25/50/15), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
One last thing about your coverage
As you quote Aurora auto insurance, make sure you don't sacrifice coverage to reduce premiums. In many instances, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the best cost.
Budget-conscious Audi A4 insurance can be found both online and also from your neighborhood Aurora agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not have price quotes online and usually these smaller companies work with local independent agents.
To read more, link through to these articles:
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable Auto Insurance for Real Estate Agents in Colorado? (FAQ)
- Who Has Affordable Car Insurance Rates for Safe Drivers in Colorado? (FAQ)
- What Auto Insurance is Cheapest in Centennial, Colorado? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding your Policy (NAIC.org)