Discount Audi R8 insuranceThere isn't anyone who is fond of buying car insurance, particularly when the cost is too high.

Shocking but true, 70% of consumers have stayed with the same insurance company for four years or more, and roughly 40% of drivers have never compared rates from other carriers. American insurance shoppers could pocket approximately 46.5% a year by just shopping around, but they don't want to spend time to find lower-cost car insurance rates. Online insurance companies like State Farm, Progressive and GEICO continually hit you with ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

Getting a cheaper price on insurance is actually easier than you may think. The only requirement is to invest a little time getting comparison quotes to find out which insurance company has the cheapest Audi R8 rate quotes.

Doing price comparisons online is so simple that it replaces the need to drive around to insurance agencies in your area. The ability to buy insurance online can eliminate the need for a local agent unless you want the advice and guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop your insurance online but have your policy serviced through an agent.

The companies shown below are ready to provide free rate quotes in Colorado. If more than one company is shown, it's a good idea that you compare several of them to get the lowest price.

Audi R8 Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
R8 4.2 Quattro $420 $894 $352 $20 $106 $1,792 $149
R8 4.2 Quattro $364 $698 $460 $28 $138 $1,688 $141
R8 5.2 Quattro 10Cyl $608 $1510 $426 $26 $128 $2,698 $225
R8 5.2 Quattro 10Cyl $788 $1568 $460 $28 $138 $2,982 $249
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific garaging location which can influence price quotes considerably.

Policy deductible comparison

The chart below illustrates how your deductible choice and can impact Audi R8 insurance prices for each age group. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.

Physical damage deductibles: Should you raise them?

One of the most common auto insurance questions is at what level do you set your deductibles. The tables below lay out the differences in price of buying low and high physical damage coverage deductibles. The first data table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Audi R8 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
R8 4.2 Quattro $516 $1110 $352 $20 $106 $2,129 $177
R8 4.2 Quattro $516 $1110 $352 $20 $106 $2,129 $177
R8 5.2 Quattro 10Cyl $620 $1314 $352 $20 $106 $2,437 $203
R8 5.2 Quattro 10Cyl $620 $1314 $352 $20 $106 $2,437 $203
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Audi R8 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
R8 4.2 Quattro $318 $698 $352 $20 $106 $1,494 $125
R8 4.2 Quattro $318 $698 $352 $20 $106 $1,494 $125
R8 5.2 Quattro 10Cyl $384 $826 $352 $20 $106 $1,688 $141
R8 5.2 Quattro 10Cyl $384 $826 $352 $20 $106 $1,688 $141
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific Fort Collins garaging location which can revise premium rates considerably.

Based on this data, using a $250 deductible costs approximately $57 more each month or $684 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 13 months between claim filings, you would probably come out ahead by going with a higher deductible.

Insurance just makes sense

Despite the high cost, paying for insurance may be mandatory for several reasons.

The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. Today the average American driver is wasting up to $850 per year so it's very important to do a rate comparison at least once a year to save money.

Save money by taking advantage of discounts

Properly insuring your vehicles can get expensive, but there's a good chance there are discounts to help bring down the price. A few discounts will be applied when you purchase, but some must be inquired about prior to getting the savings.Save money with discounts

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

Insurance companies that have many of the previously listed discounts include:

Before buying, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered in your state. To see a list of insurance companies that offer some of these discounts in Colorado, follow this link.

Buying from insurance agents

Certain consumers prefer to sit down and talk to an agent. Licensed agents are very good at helping people manage risk and help you file claims. One of the benefits of comparing car insurance online is the fact that you can find better rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your information is sent to local insurance agents who will give you quotes for your coverage. There is no reason to leave your computer because quoted prices will be sent to you instantly. If you wish to quote rates from a specific car insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

Finding the right insurance company is decision based upon more than just the premium amount. Any agent in Fort Collins should be forthright in answering these questions:

Choose an insurance agent wisely

If you prefer to buy car insurance from a good Fort Collins insurance agent, it's helpful to know the types of agencies that you can choose from. Car insurance agents are either independent agents or exclusive agents depending on their employer. Both can sell affordable car insurance policies, but it's worth learning the subtle differences since it can affect your agent selection.

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company like State Farm, Allstate and AAA. Exclusive agencies are unable to give you multiple price quotes so they have no alternatives for high prices. They are usually quite knowledgeable in insurance sales which aids in selling service over price.

Below are exclusive agencies in Fort Collins who can help you get rate quotes.


106 E Olive St - Fort Collins, CO 80524 - (970) 482-1936 - View Map


1057 Robertson St - Fort Collins, CO 80524 - (970) 224-4285 - View Map


19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map

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Independent Agents (or Brokers)

Independent agents can quote rates with many companies so they can quote policies with multiple insurance companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally and you can keep the same agent. If you need cheaper car insurance rates, you will want to get insurance quotes from several independent insurance agents in order to have the best price comparison.

Listed below are Fort Collins independent insurance agents willing to provide comparison quotes.


144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map

Fort Collins Insurance Agency, LLC
1730 S College Ave #202 - Fort Collins, CO 80525 - (970) 222-9477 - View Map


1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map

More insurance agents

After receiving good answers to all your questions and inexpensive Audi R8 insurance in Fort Collins quotes, it's possible that you found an auto insurance agent that will provide car insurance coverage.

Lower rates by being persistent

In this article, we presented many ideas to compare Audi R8 insurance prices in Fort Collins. The key concept to understand is the more providers you compare, the better your comparison will be. You may even be surprised to find that the biggest savings come from a small mutual company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the best possible price, but don't skip important coverages to save money.

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