Would you like to find low-cost Audi A8 insurance in Denver? Finding cheaper prices for Audi A8 insurance in Denver is frustrating for beginners to online price comparisons. With more and more companies in the marketplace, it can easily turn into a real hassle to locate the lowest price in Colorado.
Unfortunately, a large majority of drivers have stayed with the same insurance company for well over three years, and nearly half have never even shopped around for cheap coverage. Colorado consumers could save themselves up to 35% a year just by shopping around, but they don't want to spend time to compare rates and save money.
Most major insurance companies give insurance quotes direct online. Getting online quotes for Audi A8 insurance in Denver is possible for anyone because you just enter the amount of coverage you want into a form. Upon sending the form, the quote system orders information on your driving record and credit history and generates pricing information based on the information you submitted.
The ability to get online price quotes for Audi A8 insurance in Denver helps simplify price comparisons, and it's very important to get many rate quotes in order to get the cheapest price on auto insurance.
To save time and use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you copy deductibles and limits just like they are on your policy. Doing this assures you will be getting an apples-to-apples comparison using the same coverage and limits.
The following companies are our best choices to provide free quotes in Colorado. If multiple companies are shown, we recommend you get rate quotes from several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A8 4.2 Quattro 4-Dr Sedan||$258||$524||$330||$20||$98||$1,230||$103|
|A8 4.2L Quattro 4-Dr Sedan||$406||$796||$362||$22||$108||$1,694||$141|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can increase or decrease prices greatly.
Raise deductibles and save
The illustration below highlights how deductible choice and can influence Audi A8 insurance costs for different age groups. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Does full coverage make sense?
The illustration below examines Audi A8 insurance rates with and without physical damage coverage. The premiums are based on no accidents or driving violations, $100 deductibles, single male driver, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no set guideline for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Audi A8 book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying over $200 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Three main reasons to buy insurance
Despite the high cost of buying insurance for a Audi A8 in Denver, paying for insurance is required for several reasons.
First, most states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to be legal. 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 loan on your A8, almost every bank will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi at a significantly higher premium and require you to fork over much more than you were paying before.
Third, insurance protects both your Audi and your assets. It will also provide coverage for hospital and medical expenses incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your car outweigh the cost, especially with large liability claims. But the average driver in Colorado is overpaying over $865 each year so you should quote and compare rates at every renewal to be sure current rates are still competitive.
Lower rate quotes on Audi A8 insurance in Denver with these auto insurance discounts
Buying auto insurance is not cheap, but there are discounts available that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested prior to receiving the credit.
- Waiver for an Accident - Not necessarily a discount, but a few companies such as Allstate and State Farm will allow you to have one accident before raising your premiums so long as you are claim-free prior to the accident.
- Accident Free - Drivers who don't have accidents can earn big discounts when compared to policyholders that have many claims.
- Discount for Passive Restraints - Vehicles with factory air bags or automatic seat belts may qualify for discounts up to 30%.
- Good Drivers - Insureds who avoid accidents may save up to 50% more than less cautious drivers.
- Good Grades Discount - This discount may save you up to 25%. Most companies allow this discount up to age 25.
- Drivers Education - Have your child enroll and complete driver's education in school or through a local driver safety program.
- Life Insurance Discount - Not all companies offer life insurance, but some may give you lower auto insurance rates if you buy some life insurance in addition to your auto policy.
- Senior Citizens - Drivers over the age of 55 may receive a small decrease in premiums.
- Renewal Discounts - Some auto insurance companies reward drivers for buying a new policy early. Ten percent is about the average savings.
Drivers should understand that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way. Any amount of discount will reduce your policy premiums.
To see insurance companies with the best Audi A8 insurance discounts in Denver in Colorado, click this link.
Local neighborhood Denver car insurance agents
A small number of people would prefer to talk to a local agent and that can be a smart move A good thing about price shopping on the web is the fact that you can find the lowest rates and also buy local.
After filling out this form (opens in new window), the coverage information is sent to participating agents in Denver that can give you free Denver car insurance quotes for your insurance coverage. You don't have to search for an agent due to the fact that quote results will go directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to get a comparison quote from one company in particular, you would need to search and find their rate quote page to submit a rate quote request.
Finding a good insurer should include more criteria than just a low price. These questions are important to ask:
- Is assistance available after office hours?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is the agency covered by Errors and Omissions coverage?
- How are claims handled?
- Which members of your family are coverage by the policy?
- Are they in the agency full-time?
- Is vehicle damage repaired with OEM or aftermarket parts?
If you want a reputable insurance agent or broker, it's helpful to know the different types of agents and how they can quote your rates. Agencies in Denver can be categorized as either independent agents or exclusive agents.
Exclusive agencies can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are trained well in insurance sales which aids in selling service over price. Consumers frequently purchase coverage from exclusives mostly because of loyalty to the company instead of buying on price only.
Shown below are exclusive agents in Denver who may provide you with price quotes.
- Farmers Insurance Agent Mike
I-25 - Denver, CO 80231 - (303) 752-2900 - View Map
- State Farm: Charles Insurance Agency
1165 S Broadway #114 - Denver, CO 80210 - (303) 777-7161 - View Map
- Allstate Insurance: Paul Novak
3900 E Mexico Ave # 105 - Denver, CO 80210 - (303) 320-7859 - View Map
Independent Agencies or Brokers
Independent agencies are not locked into one company and that enables them to quote your coverage through lots of different companies and get you the best rates possible. To move your coverage to a new company, an independent agent can move your coverage and you stay with the same agent. When searching for an agent, you will want to compare prices from several independent agencies to ensure the widest selection of prices. They also have the ability to place coverage with companies you've never heard of that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agencies in Denver willing to provide price quotes.
- Longevity Insurance Brokers
100 Fillmore St - Denver, CO 80206 - (720) 209-4598 - View Map
- L A Insurance
2684 S Broadway - Denver, CO 80210 - (303) 282-8000 - View Map
- Nationwide Insurance: Lloyd Pro Group Agency
1400 S Columbine St - Denver, CO 80210 - (970) 230-3020 - View Map
After getting positive feedback to any questions you may have as well as a price you're happy with, you may have found a car insurance agent that can provide insurance coverage.
Insurance agents can help
When it comes to coverage online or from an agent, there really is no single plan that fits everyone. Your situation is unique.
For example, these questions could help you determine if your situation would benefit from an agent's advice.
- Can my babysitter drive my car?
- Am I covered if I have no license?
- Does car insurance cover theft of personal property?
- How does medical payments coverage work?
- Do they offer discounts for home and auto coverage?
- Does my insurance cover a custom paint job?
- What can I do if my company denied a claim?
- How many claims can I have before being cancelled?
If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form.
Persistence pays off
People change insurance companies for a variety of reasons including high prices, policy non-renewal, an unsatisfactory settlement offer and unfair underwriting practices. It doesn't matter what your reason, switching companies can be pretty painless.
When searching for affordable Denver car insurance quotes, it's a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best possible price, but don't skip important coverages to save money.
In this article, we presented many ways to find affordable Audi A8 insurance in Denver. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Audi A8 insurance quotes. You may even find the best price on auto insurance is with some of the smallest insurance companies.
More information can be read on the following sites:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has Affordable Colorado Car Insurance for a Hyundai Sonata? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Civic in Colorado? (FAQ)
- What is the Best Cheap Auto Insurance in Highlands Ranch, Colorado? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)