Insurance rates Audi A4 in Colorado SpringsWant to learn how to save money and find more affordable Audi A4 insurance in Colorado Springs? Did budget coverage turn out to be high-priced Audi A4 insurance in Colorado Springs? Say no more because there are many Colorado Springs drivers thinking the same thing.

Surprisingly, a recent survey revealed that a large majority of drivers kept buying from the same company for well over three years, and almost half have never shopped around. Consumers in the U.S. could cut their rates by about 47% a year just by comparing rates, but they don't invest the time required to find lower-cost rates by getting comparison quotes.

Many insurance companies compete to insure your vehicles, so it's not easy to compare every insurer to get the best rate on Audi A4 insurance in Colorado Springs.

If you are insured now, you will be able to get lower rates using these techniques. Buying affordable auto insurance in Colorado Springs can be easy if you know a few tricks. Although Colorado consumers benefit from understanding the way companies determine prices because rates are impacted by many factors.

Low-cost companies for Audi A4 insurance

The companies in the list below offer free rate quotes in Colorado Springs, CO. If more than one company is shown, it's a good idea that you click on several of them in order to find the most competitive rates.

Audi A4 Insurance Rates in Colorado Springs, CO
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 $244 $500 $426 $26 $128 $1,324 $110
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $244 $500 $426 $26 $128 $1,324 $110
A4 2.0T Quattro Premium Plus Turbo Station Wagon $264 $640 $396 $24 $118 $1,442 $120
A4 2.0T Premium Plus Turbo 4-Dr Sedan $434 $740 $460 $28 $138 $1,800 $150
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $294 $608 $368 $22 $110 $1,402 $117
A4 2.0T Quattro Premium Plus 4-Dr Sedan $372 $852 $426 $26 $128 $1,804 $150
A4 2.0T Quattro Prestige Turbo Station Wagon $328 $702 $456 $28 $136 $1,650 $138
A4 2.0T Quattro Prestige 4-Dr Sedan $202 $442 $456 $28 $136 $1,264 $105
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $206 $448 $426 $26 $128 $1,234 $103
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific location information which can influence coverage prices considerably.

Choosing deductibles

A question often asked by Colorado Springs drivers is at what level do you set your deductibles. The rates below sum up the differences in price when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Audi A4 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $342 $740 $352 $20 $106 $1,585 $132
A4 2.0T Premium Turbo 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
A4 2.0T Quattro Premium Plus Turbo Station Wagon $342 $740 $352 $20 $106 $1,585 $132
A4 2.0T Premium Plus Turbo 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
A4 2.0T Quattro Premium Plus 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
A4 2.0T Quattro Prestige Turbo Station Wagon $380 $740 $352 $20 $106 $1,623 $135
A4 2.0T Quattro Prestige 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
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Audi A4 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $190 $390 $352 $20 $106 $1,058 $88
A4 2.0T Premium Turbo 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
A4 2.0T Quattro Premium Plus Turbo Station Wagon $190 $390 $352 $20 $106 $1,058 $88
A4 2.0T Premium Plus Turbo 4-Dr Sedan $210 $390 $352 $20 $106 $1,078 $90
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $210 $390 $352 $20 $106 $1,078 $90
A4 2.0T Quattro Premium Plus 4-Dr Sedan $210 $390 $352 $20 $106 $1,078 $90
A4 2.0T Quattro Prestige Turbo Station Wagon $210 $390 $352 $20 $106 $1,078 $90
A4 2.0T Quattro Prestige 4-Dr Sedan $210 $390 $352 $20 $106 $1,078 $90
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $210 $390 $352 $20 $106 $1,078 $90
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in your specific Colorado Springs location which can alter rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $44 more each month or $528 for a full year than opting for the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 20 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $132
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important caveat is that a higher deductible level means you will have to pay more out-of-pocket when you have a physical damage claim. You need some funds available in the event you need to pay the higher deductible.

Careless drivers pay higher rates

The chart below demonstrates how citations and accident claims drive up Audi A4 premium costs for different age groups. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Save Money with These Tips

When buying car insurance it's important to understand some of the things that help determine your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may result in big savings. Many things are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but some are less obvious such as your marital status or your financial responsibility.

The list below includes most of the major factors used by companies to determine your rate level.

Car insurance quotes and discounts

Car insurance is expensive, but you can get discounts to help bring down the price. Certain reductions will be credited at the time of quoting, but a few need to be asked about prior to getting the savings.Cheaper car insurance with discounts

It's important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky.

To see car insurance companies that can offer you the previously mentioned discounts in Colorado Springs, click this link.

Auto insurance agents near you

Many drivers still prefer to have an agent's advice and that is recommended in a lot of cases A nice benefit of comparing rate quotes online is that drivers can save money and get the lowest rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Colorado Springs.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is sent to participating agents in Colorado Springs who want to provide quotes to get your business. You won't even need to contact any insurance agencies because prices are sent immediately to you. You can find the lowest rates without having to waste a lot of time. If you need to get a comparison quote from a specific insurance company, feel free to find their quoting web page and fill out their quote form.

The difference between Colorado Springs auto insurance agents

If you need to find a local agent, it's important to understand the different agency structures and how they can quote your rates. Insurance agents can be categorized as either independent or exclusive depending on the company they work for.

Independent Insurance Agencies

Agents that elect to be independent often have many company appointments and that gives them the ability to insure amongst many companies and find the cheapest insurance rates. If prices rise, they can switch companies in-house without you having to go to a different agency.

When searching for an agent, you will definitely want to compare prices from independent agents to have the most options to choose from.

Shown below is a small list of independent agents in Colorado Springs that can give you cheap rate quotes.


5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map


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


2850 Serendipity Cir W #230 - Colorado Springs, CO 80917 - (719) 574-0082 - View Map

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Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. They usually cannot shop your coverage around so they have no alternatives for high prices. They receive a lot of sales training on the products they sell and that can be a competitive advantage.

Listed below is a short list of exclusive agents in Colorado Springs who can help you get rate quotes.


1957 W Uintah St - Colorado Springs, CO 80904 - (719) 477-1636 - View Map


1825 Main St #D - Colorado Springs, CO 80911 - (719) 392-7366 - View Map


5490 Powers Center Point #132 - Colorado Springs, CO 80920 - (719) 418-3377 - View Map

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Deciding on an insurance agency should depend on more than just a low price. Any good agent in Colorado Springs should know the answers to these questions.

Save $461 a year? Really?

Auto insurance providers like GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make the promise of big savings if you switch your coverage. How does every auto insurance company have lower policy pricing?

Insurance companies quote the lowest rates for a prospective insured that earns them the highest profit. A good example of a driver they prefer might be over the age of 35, has no claims, and drives a car with an anti-theft system. Anybody who fits that profile may get the lowest premium rates in Colorado Springs and have a good chance to cut their rates substantially.

Potential insureds who don't qualify for those criteria will be charged higher premiums with the end result being business not being written. If you listen to the ad wording, they say "people who switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully claim big savings.

Because each company has a different risk profile, you should quote coverage with many companies. It is impossible to guess which auto insurance company will give you the biggest savings.

When to get professional advice

When quoting and choosing proper insurance coverage, there is no one-size-fits-all type of policy. Your financial needs are unique.Drive safe and save

For example, these questions may help you determine whether or not you would benefit from professional advice.

If you can't answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Frequent quotes can save

Throughout this article, we presented many tips how you can lower your Audi A4 insurance car insurance rates in Colorado Springs. The key concept to understand is the more rate quotes you have, the higher your chance of finding low cost Colorado Springs car insurance quotes. Consumers may even find the lowest car insurance rates are with an unexpected company.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim or even high prices. Regardless of your reason, choosing a new company can be pretty painless.

Some insurance providers may not offer online price quotes and most of the time these small, regional companies work with independent agents. Cheap Audi A4 insurance in Colorado Springs can be sourced from both online companies as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.

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