Perplexed by the number of car insurance sources that you can choose from? There are so many sources to choose from that it can easily turn into a difficult challenge to find lower premium rates on Audi A5 insurance. Aurora is a wonderful place to live, but high car insurance rates can make it hard for many residents to afford coverage.

Discount Audi A5 insuranceAmazingly, a recent NerdWallet.com study showed that the vast majority of car insurance customers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never taken the time to shop around. Colorado drivers could save themselves 35% a year just by shopping around, but they just assume it's a time-consuming process to save money by comparing rate quotes.

Affordable companies for Audi A5 insurance in Colorado

The companies shown below are our best choices to provide price comparisons in Colorado. If multiple providers are shown, we suggest you get prices from several of them to find the lowest auto insurance rates.

Audi A5 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $214 $416 $280 $16 $84 $1,010 $84
A5 2.0T Quattro Premium Plus 2-Dr Coupe $434 $740 $392 $24 $118 $1,708 $142
A5 3.2 Quattro Prestige 2-Dr Coupe $326 $822 $314 $18 $94 $1,574 $131
A5 3.2 Quattro Premium Plus 2-Dr Coupe $206 $508 $362 $22 $108 $1,206 $101
A5 2.0T Quattro Prestige 2-Dr Coupe $422 $1030 $404 $24 $120 $2,000 $167
A5 2.0T Premium 2-Dr Convertible $326 $862 $396 $24 $118 $1,726 $144
A5 2.0T Premium Plus 2-Dr Convertible $328 $794 $456 $28 $136 $1,742 $145
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $466 $1030 $404 $24 $120 $2,044 $170
A5 2.0T Prestige S-Line 2-Dr Convertible $200 $432 $396 $24 $118 $1,170 $98
A5 2.0T Prestige 2-Dr Convertible $410 $964 $426 $26 $128 $1,954 $163
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $342 $720 $308 $18 $92 $1,480 $123
Get Your Own Custom Quote Go

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific location information which can alter coverage prices noticeably.

Safe drivers pay less for auto insurance

The diagram below shows how violations and at-fault accidents can affect Audi A5 annual premium costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Informed Drivers Save on Insurance

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that go into determining your premiums. If you have some idea of what controls the rates you pay, this enables informed choices that may reward you with much lower annual insurance costs. Multiple criteria are considered when premium rates are determined. Some are pretty understandable such as your driving history, but others are more transparent such as your marital status or how safe your car is.

Listed below are some of the most rate-impacting factors used by companies to determine your prices.

Aurora auto insurance discounts

Not too many consumers would say auto insurance is affordable, but you may find discounts to cut the cost considerably. Some of these discounts will be visible when you complete an application, but a few need to be specifically requested before you will receive the discount. If you aren't receiving every discount you qualify for, you're just leaving money on the table.Cheaper auto insurance with discounts

As a sidenote, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. If you do the math and it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

A few popular companies and their offered discounts are shown below.

Before purchasing a policy, check with each insurance company what discounts are available to you. Some discounts listed above may not apply to policyholders in your state. For a list of companies with discount rates in Colorado, click here to view.

Local Aurora insurance agencies

Many people still prefer to sit down and talk to an agent and that is a smart decision The biggest benefit of comparing rates online is that drivers can save money and get cheap auto insurance quotes and still have an agent to talk to. And buying from local agents is especially important in Aurora.

Aurora insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to insurance agents in Aurora who will give you quotes and help you find cheaper coverage. You don't have to even leave your home due to the fact that quote results will go to the email address you provide. You'll get the best rates and a licensed agent to work with. If for some reason you want to get a price quote from a specific auto insurance provider, you would need to navigate to their website to submit a rate quote request.

Multiple types of car insurance agents in Aurora

When researching a good Aurora insurance agent, you should know the different types of agents and how they operate. Auto insurance agents can be described as either exclusive or independent.

Independent Agents (or Brokers)

Agents in the independent channel often have many company appointments and that allows them to write policies with a variety of different insurance companies enabling the ability to shop coverage around. If they quote lower rates, the business is moved internally which makes it simple for you. When comparison shopping, you definitely need to get several quotes from a couple of independent agencies so that you can do a thorough price comparison. They often place coverage with companies that do not advertise much that may have much lower rates than larger companies.

Featured below are Aurora independent agents that may be able to give you free rate quotes.

More insurance agents

Exclusive Auto Insurance Agents

Agents of this type can only write with one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to place coverage with different providers so you need to shop around if the rates are high. These agents receive a lot of sales training on sales techniques and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent mostly because of the prominence of the brand rather than low rates.

Listed below is a short list of exclusive insurance agencies in Aurora who can help you get rate quotes.

More insurance agents

Finding a good car insurance agent is decision based upon more than just the quoted price. Any agent in Aurora should have no problem answering these questions:

After getting acceptable answers for all questions you ask as well as inexpensive Audi A5 insurance in Aurora quotes, you've probably found an insurance agency that is a good match to provide auto insurance coverage.

Compare but don't skimp

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured cut liability limits or collision coverage and learned later they didn't have enough coverage. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

In this article, we covered a lot of techniques to find cheaper Audi A5 insurance in Aurora. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn't do a lot of advertising.

Insureds switch companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, high prices or even questionable increases in premium. Whatever your reason, switching companies can be less work than you think.

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