Insurance rates Audi A4 in Fort CollinsBeing forced to pay for high-priced insurance premiums can dry up your funds and make it tough to pay other bills.

It's hard to believe, but most consumers kept their policy with the same company for well over three years, and roughly 40% of drivers have never compared rates from other carriers. Most drivers in Fort Collins could save $600 each year just by comparing rates, but most tend to underestimate the large savings they would see if they bought a different policy.

Vehicle owners have many auto insurance companies to pick from, and even though it's nice to have a choice, it makes it harder to find the lowest rates for Audi A4 insurance in Fort Collins.

The goal of this article is to teach you a little about how insurance works and how you can save the most money. If you have insurance now, you will surely be able to shop for the lowest rates using the concepts covered in this article. But Colorado drivers must understand how big insurance companies charge you for coverage and use this information to your advantage.

How to lower your Audi A4 insurance cost in Fort Collins, Colorado

To find the best insurance rates, there are several ways to compare rate quotes from insurance companies in your area. The simplest method to compare insurance prices involves getting comparison quotes online.

Comparing rates online is fast and free, and it makes it a waste of time to spend your day driving to local Fort Collins insurance agencies. Buying insurance online eliminates the middleman unless you're the type of person who wants the professional guidance that only a licensed agent can provide. It is possible with some companies compare online quotes and still use a local agent. When comparing insurance rates, know that comparing more rates from different companies will increase your chances of finding lower pricing. Not every company provides online Fort Collins A4 insurance quotes, so you need to compare prices from them, too.

The following companies can provide comparison quotes in Fort Collins, CO. If multiple companies are listed, it's a good idea that you click on several of them to find the cheapest auto insurance rates.

Audi A4 Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $388 $740 $460 $28 $138 $1,754 $146
A4 2.0T Premium Turbo 4-Dr Sedan $184 $332 $358 $22 $108 $1,004 $84
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $162 $332 $396 $24 $118 $1,032 $86
A4 2.0T Quattro Premium Plus Turbo Station Wagon $162 $382 $368 $22 $110 $1,044 $87
A4 2.0T Premium Plus Turbo 4-Dr Sedan $202 $442 $456 $28 $136 $1,264 $105
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $216 $426 $338 $20 $100 $1,100 $92
A4 2.0T Quattro Premium Plus 4-Dr Sedan $272 $576 $426 $26 $128 $1,428 $119
A4 2.0T Quattro Prestige Turbo Station Wagon $204 $382 $358 $22 $108 $1,074 $90
A4 2.0T Quattro Prestige 4-Dr Sedan $308 $616 $474 $28 $142 $1,568 $131
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $332 $608 $358 $22 $108 $1,428 $119
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in Fort Collins location which can lower or raise premiums significantly.

Poor driving habits will raise your auto insurance rates

The chart below highlights how traffic violations and accident claims increase Audi A4 insurance costs for each different age category. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Higher deductibles lower rates

The diagram below illustrates how your choice of deductibles and can raise or lower Audi A4 insurance costs for each age group. The rate quotes are based on a single male driver, full coverage, and no other discounts are factored in.

Audi A4 insurance premiums by gender in Fort Collins

The information below illustrates the difference between Audi A4 insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Do you qualify for discounts on Audi A4 insurance in Fort Collins?

Some providers do not list every possible discount in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving when you buy Fort Collins auto insurance online.Cheaper insurance with discounts

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren't that generous.

Large insurance companies and their offered discounts are:

If you need the cheapest Audi A4 rate quotes, ask every insurance company how you can save money. Discounts may not be offered in your state.

Eight Tips to Get Cheap Fort Collins Insurance Costs

When buying insurance it's important to understand some of the things that go into determining insurance rates. When you understand what determines premiums, this enables informed choices that will entitle you to lower premium levels. Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are less obvious such as your credit history or your financial responsibility.

The itemized list below are a few of the "ingredients" used by companies to determine prices.

Are auto insurance agents a thing of the past?

Many people prefer to buy from a local agent and that is just fine! An additional benefit of comparing insurance prices online is the fact that drivers can get cheaper rates but also keep your business local. Buying insurance from local agencies is especially important in Fort Collins.

Insurance agency in Fort CollinsUpon completion of this quick form, your information is immediately sent to insurance agents in Fort Collins who want to provide quotes to get your business. You never need to drive around because prices are sent to you. You can most likely find cheaper rates AND an agent nearby. If you need to compare rates from a specific company, just search and find their rate quote page and fill out the quote form the provide.

If you are searching for a local Fort Collins insurance agent, there are a couple of different types of agencies and how they work. Agencies in Fort Collins are categorized either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents that elect to be independent do not have single company limitations and that is an advantage because they can write policies through many different auto insurance companies and find you cheaper rates. If your premiums go up, they simply move the coverage in-house and you don't have to switch agencies.

If you need lower rates, it's a good idea to contact multiple independent agents in order to compare the most rates.

The following is a partial list of independent insurance agencies in Fort Collins that may be able to provide competitive price quotes.

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

4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map

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

View more agents

Exclusive Insurance Agencies

These type of agents can only place business with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot provide other company's prices so keep that in mind. Exclusive agencies are very knowledgeable on their company's products which helps overcome the inability to quote other rates.

The following are Fort Collins exclusive insurance agencies that can give you price quotes.

3636 S College Ave - Fort Collins, CO 80525 - (970) 223-1111 - View Map

2601 S Lemay Ave #36 - Fort Collins, CO 80525 - (970) 223-7800 - View Map

335 E Mountain Ave - Fort Collins, CO 80524 - (970) 482-3952 - View Map

View more agents

Finding the right car insurance agent needs to be determined by more than just a cheap quote. Agents should be asked these questions:

Your situation helps dictate your coverage

Always keep in mind that when comparing coverage online or from an agent for your vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect thatInsurance savings For instance, these questions might point out whether your personal situation will benefit from professional help.

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance savings summarized

We just presented quite a bit of information on how to find cheap Audi A4 insurance in Fort Collins. It's most important to understand that the more rate quotes you have, the higher your chance of finding affordable Fort Collins auto insurance quotes. You may even be surprised to find that the lowest rates come from the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

A few companies do not offer price quotes online and most of the time these smaller providers provide coverage only through independent agencies. Low-cost Audi A4 insurance in Fort Collins is possible both online as well as from insurance agents, and you should compare rates from both to have the best rate selection.

Additional auto insurance information can be found at the links below