Has it been over a year since you last compared quotes for the cheapest Audi A5 insurance in Colorado Springs? Did you make the mistake of buying an overpriced auto insurance policy? Believe me, many Colorado Springs drivers feel the same as you.

Discount Audi A5 insuranceAmazingly, a recent NerdWallet.com study showed that most drivers in Colorado have been with the same company for well over three years, and just short of a majority have never quoted rates to find affordable coverage. Many consumers in the United States could cut their rates by roughly 46.5% a year just by getting comparison quotes, but they assume it's a waste of time to compare rate quotes.

Numerous insurers battle for your insurance dollar, so it's not easy to compare every insurer and get the best coverage at the best rate on Audi A5 insurance in Colorado Springs.

It's smart to do price comparisons as often as possible because insurance prices are constantly changing. If you had the lowest price on Audi A5 insurance in Colorado Springs two years ago you may be paying too much now. Ignore everything you know about auto insurance because you're going to learn the easiest way to save on auto insurance.

Insurance policy discounts you can't miss

Insurance is easily one of your largest bills, but you may be missing some discounts to help offset the cost. Some discounts will apply at the time of quoting, but once in a while a discount must be manually applied before you will receive the discount.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as medical payments or collision. Even though it appears you could get a free insurance policy, companies wouldn't make money that way.

Large insurance companies and some of the premium reductions they offer can be read below.

If you need affordable Colorado Springs auto insurance quotes, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders in every state. To choose insurance companies who offer discounts in Colorado, follow this link.

The best way we recommend to get rate comparisons for Audi A5 insurance in Colorado Springs is to know the fact most of the larger companies participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data like how your vehicles are used, the make and model of your vehicles, if a SR-22 is required, and if you have an active license. Your information is then sent to all major companies and they provide comparison quotes instantly to find the best rate.

To find lower lower-cost Audi A5 insurance rates now, click here and see if a lower rate is available in Colorado Springs.

The auto insurance companies shown below are ready to provide price comparisons in Colorado Springs, CO. If several companies are displayed, it's a good idea that you visit as many as you can to get the most competitive price.

Audi A5 Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $216 $426 $286 $16 $86 $1,030 $86
A5 2.0T Quattro Premium Plus 2-Dr Coupe $262 $514 $280 $16 $84 $1,156 $96
A5 3.2 Quattro Prestige 2-Dr Coupe $342 $702 $298 $18 $90 $1,450 $121
A5 3.2 Quattro Premium Plus 2-Dr Coupe $162 $366 $280 $16 $84 $908 $76
A5 2.0T Quattro Prestige 2-Dr Coupe $434 $838 $392 $24 $118 $1,806 $151
A5 2.0T Premium 2-Dr Convertible $342 $702 $352 $20 $106 $1,522 $127
A5 2.0T Premium Plus 2-Dr Convertible $292 $696 $330 $20 $98 $1,436 $120
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $376 $702 $298 $18 $90 $1,484 $124
A5 2.0T Prestige S-Line 2-Dr Convertible $360 $822 $396 $24 $118 $1,720 $143
A5 2.0T Prestige 2-Dr Convertible $324 $724 $396 $24 $118 $1,586 $132
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $200 $508 $338 $20 $102 $1,168 $97
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can change insurance rates considerably.

Policy deductible comparison

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The premium rates below may help to conceptualize how much more rates are between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Audi A5 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $342 $620 $298 $18 $90 $1,393 $116
A5 2.0T Quattro Premium Plus 2-Dr Coupe $342 $620 $298 $18 $90 $1,393 $116
A5 3.2 Quattro Prestige 2-Dr Coupe $342 $702 $298 $18 $90 $1,475 $123
A5 3.2 Quattro Premium Plus 2-Dr Coupe $342 $702 $298 $18 $90 $1,475 $123
A5 2.0T Quattro Prestige 2-Dr Coupe $342 $702 $298 $18 $90 $1,475 $123
A5 2.0T Premium 2-Dr Convertible $342 $702 $352 $20 $106 $1,547 $129
A5 2.0T Premium Plus 2-Dr Convertible $342 $702 $352 $20 $106 $1,547 $129
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $376 $702 $298 $18 $90 $1,509 $126
A5 2.0T Prestige S-Line 2-Dr Convertible $376 $702 $352 $20 $106 $1,581 $132
A5 2.0T Prestige 2-Dr Convertible $376 $702 $352 $20 $106 $1,581 $132
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $376 $784 $298 $18 $90 $1,591 $133
Get Your Own Custom Quote Go
Audi A5 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $278 $500 $298 $18 $90 $1,184 $99
A5 2.0T Quattro Premium Plus 2-Dr Coupe $278 $500 $298 $18 $90 $1,184 $99
A5 3.2 Quattro Prestige 2-Dr Coupe $278 $566 $298 $18 $90 $1,250 $104
A5 3.2 Quattro Premium Plus 2-Dr Coupe $278 $566 $298 $18 $90 $1,250 $104
A5 2.0T Quattro Prestige 2-Dr Coupe $278 $566 $298 $18 $90 $1,250 $104
A5 2.0T Premium 2-Dr Convertible $278 $566 $352 $20 $106 $1,322 $110
A5 2.0T Premium Plus 2-Dr Convertible $278 $566 $352 $20 $106 $1,322 $110
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $306 $566 $298 $18 $90 $1,278 $107
A5 2.0T Prestige S-Line 2-Dr Convertible $306 $566 $352 $20 $106 $1,350 $113
A5 2.0T Prestige 2-Dr Convertible $306 $566 $352 $20 $106 $1,350 $113
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $306 $632 $298 $18 $90 $1,344 $112
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible costs about $19 more each month or $228 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 13 months between claims, you would save money if you choose a higher deductible.

Cautious drivers save money

The example below illustrates how speeding tickets and at-fault fender-benders can impact Audi A5 insurance prices for different age groups of insureds. The price estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Should you buy full coverage?

The information below illustrates the comparison of Audi A5 car insurance rates with and without physical damage coverage. The data is based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied.

When to eliminate full coverage

There is no exact formula of when to drop full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Audi A5 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after you pay the deductible. If it's costing in excess of $200 annually to have full coverage, then you might want to think about dropping full coverage.

There are a few situations where removing full coverage is not recommended. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Colorado Springs Insurance Costs are Influenced by These Factors

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving record, but others are less obvious like where you live or how financially stable you are.

Local neighborhood Colorado Springs car insurance agents

A small number of people would prefer to talk to a local agent and that is a personal choice. One of the great benefits of comparing insurance online is you may find cheaper premium rates and still choose a local agent. And supporting local agencies is important especially in Colorado Springs.

Insurance agency in Colorado SpringsTo find an agent, once you fill out this simple form, your insurance data is submitted to companies in Colorado Springs who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent on your own as quotes are delivered directly to you. You can most likely find cheaper rates AND an agent nearby. If you need to compare prices from a particular provider, you can always navigate to their website and complete a quote there.

Exclusive agents vs. Independent agents

If you need to find local Colorado Springs agents, you should know the different types of agents and how they are distinctly different. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents that choose to be independent do not sell for just one brand and that allows them to write policies through lots of different companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company and you can keep the same agent. When comparing insurance rates, it's recommended you get insurance quotes from a couple of independent agencies for maximum quote selection.

Shown below is a partial list of independent agencies in Colorado Springs who can help you get free price quotes.


1863 N Circle Dr - Colorado Springs, CO 80909 - (719) 667-1301 - View Map


2525 W Pikes Peak Ave # C - Colorado Springs, CO 80904 - (719) 635-9720 - View Map


707 S Tejon St - Colorado Springs, CO 80903 - (719) 227-7100 - View Map

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Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company such as Allstate, State Farm and Farmers Insurance. They generally cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Shown below is a short list of exclusive insurance agents in Colorado Springs that can give you price quotes.


6130 Barnes Rd #104 - Colorado Springs, CO 80922 - (719) 598-8211 - View Map


8027 Academy Blvd N - Colorado Springs, CO 80920 - (719) 594-4500 - View Map


12710 Voyager Pkwy - Colorado Springs, CO 80921 - (719) 582-2759 - View Map

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Finding the right auto insurance agent should include more criteria than just the quoted price. These are some questions you should get answers to.

Auto insurance is an important decision

Despite the high insurance cost for a Audi A5 in Colorado Springs, paying for auto insurance is required in Colorado but it also protects you in many ways.

The benefits of insuring your car definitely exceed the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $869 every year so you should quote rates at every renewal to make sure the price is not too high.

Be persistent to save money

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Some insurance providers may not have online quoting and these regional insurance providers only sell through independent agents. Cost effective Audi A5 insurance is available both online and also from your neighborhood Colorado Springs agents, and you should be comparing both in order to have the best chance of saving money.

In this article, we covered some good ideas how to lower your Audi A5 insurance rates in Colorado Springs. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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