Comparing and finding cheaper prices for Audi A8 insurance in Fort Collins might be nearly impossible for drivers not familiar with shopping for insurance online. With literally dozens of online companies available, it can easily be a lot of work to find the best price in Colorado on Audi A8 insurance.
Unbelievable but true, about 70% of customers have been with the same company for four years or more, and roughly 40% of drivers have never quoted car insurance rates at all. With the average premium in America being $1,847, drivers can cut their rates by about $859 a year, but most undervalue the actual amount they would save if they replace their high priced policy.
How to shop Audi A8 insurance online
When comparison shopping, comparing a wide range of rates will enable you to find the best offered rates. Some regional insurers cannot provide online price quotes, so you also need to get quotes from the smaller companies as well.
The companies shown below are our best choices to provide quotes in Colorado. If the list has multiple companies, we recommend you visit several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A8 4.2 Quattro 4-Dr Sedan||$382||$632||$460||$28||$138||$1,640||$137|
|A8 4.2L Quattro 4-Dr Sedan||$428||$1012||$368||$22||$110||$1,940||$162|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific location which can revise prices considerably.
Price comparison of only insuring for liability
The information below shows the comparison of Audi A8 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, married male driver, and no discounts are taken into consideration.
When to drop comp and collision
There is no set rule for phasing out physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Audi A8 book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the deductible is paid. If you are paying over $700 annually for your policy with full coverage, then it might be time to buy liability only.
There are some circumstances where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Insurance agent or online?
Many people still prefer to visit with an insurance agent and that is not a bad decision One of the great benefits of comparing auto insurance online is you may find the lowest rates and still have an agent to talk to.
Upon completion of this form (opens in new window), the quote information is submitted to local insurance agents who will give competitive quotes to get your business. There is no reason to leave your house as quotes are delivered to the email address you provide. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to get a rate quote from a specific company, don't hesitate to jump over to their website and fill out their quote form.
Picking an provider should depend on more than just a cheap price. These are valid questions to ask:
- If your car is totalled, how to they determine the replacement cost?
- Will they take your side in the event of a claim?
- Will the agent or a CSR service your policy?
- Is there a Errors and Omissions policy in force?
- Is the coverage adequate for your vehicle?
Choose an insurance agent wisely
If you are wanting to find a local insurance agency, it's helpful to know the different types of agents and how they are distinctly different. Auto insurance agents in Fort Collins are classified as either independent agents or exclusive agents.
Exclusive Insurance Agents
These type of agents can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on their company's products which helps them sell on service rather than price. Consumers often buy from the same agent for years mainly due to the brand and strong financial ratings.
Shown below are Fort Collins exclusive agencies that are able to give comparison quotes.
- Gary Cramer - State Farm Insurance Agent
1432 E Mulberry St b - Fort Collins, CO 80524 - (970) 484-1374 - View Map
- Brad Bischoff - State Farm Insurance Agent
1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map
- Farmers Insurance - Jennifer Richardson Fanning
1057 Robertson St - Fort Collins, CO 80524 - (970) 224-4285 - View Map
Independent Agents (or Brokers)
Independent insurance agents are not limited to a single company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, your agent can just switch to a different company and you stay with the same agent. When comparing rates, it's a good idea to include rate quotes from at least one independent agent for maximum quote selection. Most independent agents also contract with companies that do not advertise much that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agents in Fort Collins that can give you price quotes.
- Front Range Insurance Group
1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map
- Frontier Insurance Group
144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map
- Nationwide Insurance: Mountain Plains Agency LLC
4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map