Insurance for Audi A3Want to learn how to save money and find more affordable Audi A3 insurance in Aurora? Trying to come up with a payment for overpriced car insurance can bottom out your monthly budget and make it impossible to make ends meet.

Regrettably, over 70% of consumers renewed their policy with the same company for at least four years, and 38% of drivers have never compared rates with other companies. American drivers could cut their rates by nearly $859 a year, but most tend to underestimate the actual amount they would save if they switched.

With people having so many online and local companies to choose from, it can be impossible to locate a more affordable insurance company.

It's important to check car insurance prices at least once a year since prices are rarely the same from one policy term to another. If you had the best quotes on Audi A3 insurance in Aurora at your last renewal a different company probably has better rates today. Forget all the misinformation about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

Buying the cheapest auto insurance in Aurora is easy if you know what you're doing. If you have a policy now, you stand a good chance to be able to save money using these techniques. Nevertheless, Colorado drivers must know how big insurance companies price online insurance and use it to your advantage.

When quoting car insurance, remember that making a lot of price comparisons will enable you to find the best offered rates. Some smaller insurers do not give online rate quotes, so you also need to get rates from the smaller companies as well.

The companies shown below have been selected to offer price quotes in Colorado. If multiple companies are shown, we recommend you visit several of them to get the cheapest price.

Audi A3 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $130 $282 $330 $20 $98 $860 $72
A3 2.0T Premium Plus Package $294 $630 $358 $22 $108 $1,412 $118
A3 2.0T Quattro $342 $644 $352 $20 $106 $1,464 $122
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in specific zip code location which can impact coverage prices greatly.

Impact of citations and accidents on insurance rates

The information below demonstrates how traffic citations and accident claims can influence Audi A3 premium costs for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Deductible comparison

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The comparison tables below determine the rate fluctuation when you choose different deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Audi A3 insurance 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $220 $434 $352 $20 $106 $1,132 $94
A3 2.0T Premium Plus Package $220 $434 $352 $20 $106 $1,132 $94
A3 2.0T Quattro $250 $434 $352 $20 $106 $1,162 $97
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in specific location which can revise coverage rates considerably.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $15 more each month or $180 for a full year than choosing the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Discount Aurora car insurance quotes

Car insurance is not cheap, but companies offer discounts that many people don't even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few must be specially asked for before you will receive the discount.Discount car insurance

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren't that lucky.

A list of companies and their possible discounts are detailed below.

If you are trying to find cheaper Aurora auto insurance quotes, ask each company or agent how you can save money. Depending on the company, some discounts may not apply to policies in Aurora. If you would like to choose from a list of car insurance companies with the best Audi A3 insurance discounts in Colorado, click this link.

Car insurance protects more than just your car

Even though it can be expensive, insurance is required in Colorado but also provides important benefits.

The benefits of insuring your car definitely exceed the cost, especially when you need to use it. On average, a vehicle owner in Aurora overpays more than $825 a year so it's recommended you shop around each time the policy renews to ensure rates are competitive.

Do I just need basic coverages?

When choosing the best auto insurance coverage for your personal vehicles, there really isn't a one-size-fits-all type of policy. Your needs are not the same as everyone else's and your auto insurance should unique, too.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether your personal situation might need an agent's assistance.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

When to have guidance from an agent

A lot of people prefer to go talk to an agent and there is nothing wrong with that. The best thing about price shopping on the web is that you can find better rates and still buy from a local agent.

Aurora insurance agentsTo find an agent, once you fill out this quick form, the coverage information gets sent to local insurance agents who will give you quotes for your insurance coverage. There is no reason to find an agent since price quotes are sent to you instantly. You can get cheaper car insurance rates and a licensed agent to work with. If you have a need to get a price quote from a specific company, just navigate to their website and submit a quote form there.

Finding the right company is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:

If you prefer to buy car insurance from a local insurance agency, it helps to know the two types of insurance agents and how they can quote your rates. Insurance agencies in Aurora can be classified as either independent agents or exclusive agents.

Exclusive Insurance Agencies

These agents work for only one company such as Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agencies are very knowledgeable on what they offer and that can be a competitive advantage.

Shown below is a short list of exclusive agencies in Aurora willing to provide price quotes.


6820 S Liverpool St d - Aurora, CO 80016 - (303) 676-8071 - View Map


4550 S Reservoir Rd, D - Aurora, CO 80015 - (720) 242-6011 - View Map


13688 E Iliff Ave a - Aurora, CO 80014 - (720) 535-5506 - View Map

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Independent Agents (or Brokers)

Agents in the independent channel do not write with just one company and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. If you are not satisfied with one company, they can switch companies in-house and you don't have to do anything. When comparing rate quotes, we recommend you get some free quotes from at least one independent agent to maximize your price options.

The following is a short list of independent insurance agents in Aurora who can help you get comparison quotes.


2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map

A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map

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