Insurance for Audi A3No one in their right mind is fond of buying auto insurance, especially when they know they are paying too much.

Amazingly, a large majority of auto insurance policyholders kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never compared rates from other carriers. Drivers in Fort Collins can save about $605 each year, but they assume it's a waste of time to shop their coverage around. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rates possible on Audi A3 insurance in Fort Collins.

If you already have coverage or are looking for a new policy, you can use this information to save money without reducing coverage. Locating the best rates in Fort Collins is really quite simple as long as you have a good starting point. Smart buyers only have to learn the most effective way to compare insurance rates from many different companies online.

Buy Fort Collins Audi A3 insurance online

Most companies allow consumers to get insurance quotes on their websites. Comparing prices online for Audi A3 insurance in Fort Collins doesn't take much effort as you just type in your required coverages into the form. When complete, their rating system pulls your driving record and credit report and provides a quote based on the data you entered. Being able to quote online for Audi A3 insurance in Fort Collins helps simplify price comparisons, and it is important to perform this step in order to find affordable rates.

To save time and compare rates using this form now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you replicate the insurance coverages exactly as they are listed on your policy. This helps ensure you will be getting comparison quotes for the exact same coverage.

The car insurance companies shown below are our best choices to provide comparison quotes in Colorado. If several companies are displayed, we suggest you visit several of them to get the best price comparison.

Audi A3 Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $252 $434 $460 $28 $138 $1,312 $109
A3 2.0T Premium Plus Package $214 $426 $358 $22 $108 $1,128 $94
A3 2.0T Quattro $192 $360 $330 $20 $98 $1,000 $83
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in garaging location in Fort Collins which can alter prices significantly.

Choosing deductibles

The hardest decision when buying coverage is what deductibles to buy. The data tables below outline the costs and benefits between high and low comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Audi A3 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $302 $644 $352 $20 $106 $1,449 $121
A3 2.0T Premium Plus Package $302 $644 $352 $20 $106 $1,449 $121
A3 2.0T Quattro $342 $644 $352 $20 $106 $1,489 $124
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Audi A3 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $168 $340 $352 $20 $106 $986 $82
A3 2.0T Premium Plus Package $168 $340 $352 $20 $106 $986 $82
A3 2.0T Quattro $190 $340 $352 $20 $106 $1,008 $84
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific Fort Collins garaging location which can influence auto insurance rates noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $39 more each month or $468 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 23 months between claim filings, you would save money if you elect the higher deductible. The table below illustrates an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Cost comparison with and without full coverage

The information below shows the comparison of Audi A3 yearly insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $250 deductibles, married male driver, and no discounts are applied.

When to drop comp and collision

There is no exact rule that is best for determining when to drop full coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's say your Audi A3 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after the deductible is paid. If you are currently paying more than $400 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Auto insurance agents are professional risk managers

Some consumers would prefer to buy from a local agent and often times that is recommended Insurance agents will help you protect your assets and help file insurance claims. An additional benefit of price shopping on the web is that you can find better rates and still have a local agent. And providing support for local insurance agents is important especially in Fort Collins.

Find insurance agent in Fort CollinsBy using this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Fort Collins who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go directly to you. If you have a need to compare rates from a specific car insurance provider, just go to their quote page and fill out their quote form.

When narrowing the list to find a good Fort Collins insurance agent, you should know the different types of agents and how they can quote your rates. Car insurance policy providers can be categorized as either exclusive agents or independent agents. Both properly insure your vehicles, but it is a good idea to know the difference in the companies they write for since it may influence your selection of an agent.

Independent Agencies or Brokers

Independent agents are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, the business is moved internally and you can keep the same agent.

When comparing car insurance rates, we recommend you get quotes from several independent agencies to maximize your price options.

The following is a list of independent agents in Fort Collins who can help you get free price quotes.


1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map


421 Stover St - Fort Collins, CO 80524 - (970) 224-5500 - View Map


7352 Greenridge Road, Suite A-8 - Windsor, CO 80550 - (970) 460-0303 - View Map

More Fort Collins agents

Exclusive Agencies

Exclusive insurance agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. They are well schooled on the products they sell which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agents in Fort Collins that can give you price quotes.


1136 E Stuart St #2220 - Fort Collins, CO 80525 - (970) 223-2911 - View Map


1606 S Lemay Ave #107 - Fort Collins, CO 80525 - (970) 223-0808 - View Map


4519 S College Ave b - Fort Collins, CO 80525 - (970) 482-7400 - View Map

More Fort Collins agents

Finding a good insurance agency requires more thought than just a cheap quote. Here are some questions you should ask.