Buying the lowest cost Denver Audi A3 insurance quotes on the internet might appear intimidating for consumers new to quoting and comparing rates and buying insurance on the web. With literally dozens of companies competing online, how can consumers be able to compare every possible option in order to find the best pricing?

Insurance quote for Audi A3 in DenverIt's hard to believe, but 70% of consumers have remained with the same insurance company for four years or more, and approximately 38% of consumers have never compared rates with other companies. Many drivers in Colorado can save about $605 each year by just comparing quotes, but most tend to underestimate the amount of money they would save if they switched.

You Can Change Your Insurance Prices

Many things are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more transparent such as your credit history or your financial responsibility.

Lower rates with a multi-policy discount - Many insurance companies will award better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it's always a smart idea to compare Audi A3 rates in Denver to ensure the best deal. You may still save even more by buying insurance from more than one company.

If you don't need it don't buy it - There are many extra bells and whistles you can purchase if you aren't diligent. Things like rental car coverage, better glass coverage, and additional equipment coverage are probably not needed. The coverages may be enticing initially, but your money might be better spent on other coverage so get rid of them and save.

Rates and your address - Residing in a small town has it's advantages when shopping for auto insurance. People who live in big cities regularly have more auto accidents and more time behind the wheel. Lower population means less chance of accidents as well as less vandalism and auto theft.

Pleasure use saves money - The more you drive in a year's time the more it will cost to insure it. A lot of insurance companies calculate prices based upon how much you drive. Vehicles that do not get driven very much receive lower rates than those used for commuting. It's a good idea to make sure your insurance coverage shows how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your A3 may be costing you higher rates.

When should you not file a claims? - Auto insurance companies in Colorado award cheaper rates to insureds who are claim-free. If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of larger claims.

A policy lapse can increase insurance rates - Allowing your coverage to lapse is a sure-fire way to increase your insurance rates. In addition to paying higher rates, failure to provide proof of insurance may earn you fines or a revoked license.

Loss probability for an Audi A3 - Insurers use claims history to help determine prices. Vehicles that have higher claim frequency or loss amount will have increased rates. The table shown below demonstrates the compiled insurance loss statistics for Audi A3 vehicles.

For each coverage type, the statistical loss for all vehicles compiled together is set at 100. Values that are under 100 indicate better than average losses, while numbers above 100 point to more losses or tendency to have larger claims.

Car Insurance Loss Data for Audi A3 Models

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi A3 4dr 2WD 152 90 109 85
Audi A3 4dr 4WD 147 73 111 80
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Compare Denver Audi A3 insurance price quotes

All the larger auto insurance companies like State Farm, Allstate and GEICO allow you to get coverage price quotes on the web. Doing online price comparisons for Audi A3 insurance in Denver is quite simple because you just enter your coverage information as requested by the quote form. After you complete the form, their system will obtain your driving record and credit report and quotes a price based on these factors.

This makes it simple to compare prices and it's absolutely necessary to have as many quotes as possible in order to find the lowest payment.

In order to use this form to compare rates, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you input coverages and limits exactly as they are listed on your policy. This helps ensure you will have a fair comparison for similar insurance coverage.

The companies in the list below provide free rate quotes in Colorado. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.

Audi A3 Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $260 $630 $396 $24 $118 $1,428 $119
A3 2.0T Premium Plus Package $144 $332 $368 $22 $110 $976 $81
A3 2.0T Quattro $330 $630 $358 $22 $108 $1,448 $121
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in your specific Denver location which can affect price quotes greatly.

Does full coverage make sense?

The example below shows the comparison of Audi A3 auto insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $1,000 deductibles, married male driver, and no discounts are applied.

When to drop full coverage

There isn't a written rule to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's assume your Audi A3 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying the physical damage deductible. If premiums are more than $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not a good idea. If you haven't paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Deductible comparison

The chart below shows how choosing a deductible and can raise or lower Audi A3 insurance prices for different age groups. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Why you need to buy insurance

Despite the high cost of buying insurance for a Audi A3 in Denver, buying insurance is required for several reasons.

The benefits of insuring your car outweigh the cost, especially for larger claims. The average driver in Colorado overpays as much as $869 every year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.

Get affordable rates by taking advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts that many people don't even know exist. Certain credits will be shown at the time of purchase, but a few must be specifically requested in order for you to get them. If you do not check that you are getting every discount you qualify for, you are throwing money away.Save money with discounts

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you can get free auto insurance, car insurance companies aren't that generous. But all discounts will definitely reduce the cost of your policy.

Some of the insurance companies that may offer some of the above discounts include:

When comparing rates, check with every prospective company how you can save money. A few discounts might not be available to policyholders in your area. To locate providers that offer multiple discounts in Denver, click this link.

Buying from insurance agents

Certain consumers still prefer to buy from a licensed agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is you can get cheap insurance rates and still choose a local agent. And providing support for local insurance agencies is important particularly in Denver.

Upon completion of this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will give competitive quotes for your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. You can find lower rates without a big time investment. In the event you want to get a rate quote from a specific insurance company, don't hesitate to go to their quote page and fill out the quote form the provide.

If you prefer to buy insurance from a reliable insurance agent, it can be helpful to understand the different types of agencies and how they are distinctly different. Insurance agents in Denver may be either independent or exclusive depending on the company they work for.

Independent Agents

Independent agencies are not required to write business for one company so they can insure your vehicles through many companies and find the cheapest insurance rates. If they find a cheaper price, your agent can switch companies and you can keep the same agent.

When comparing insurance rates, you absolutely need to get several quotes from independent agents to ensure the widest selection of prices. Many can place coverage with additional companies that you may not be familiar with which could offer lower prices.

Listed below is a short list of independent agencies in Denver that may be able to provide free price quotes.

View more Denver agents

Exclusive Insurance Agents

Exclusive insurance agents can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. These agents are highly trained on their products and sales techniques which helps them compete with independent agents. Consumers frequently purchase coverage from exclusives mainly due to high brand loyalty rather than low price.

Below is a short list of exclusive agents in Denver who can help you get price quote information.

View more Denver agents

Picking a insurance agent should depend on more than just the premium amount. Any agent in Denver should be forthright in answering these questions:

Cheap insurance rates are out there

People leave their current company for a variety of reasons including policy cancellation, being labeled a high risk driver, policy non-renewal and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

As you quote Denver auto insurance, it's a bad idea to buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

In this article, we presented many tips how you can find lower-cost Audi A3 insurance in Denver. It's most important to understand that the more companies you get prices for, the better likelihood of getting inexpensive Denver auto insurance quotes. Drivers may even discover the biggest savings come from a smaller regional carrier.

Additional detailed information is located in the articles below: