Regrettably, the vast majority of insurance customers renewed their policy with the same company for over three years, and approximately 40% of consumers have never shopped around. Colorado Springs insurance shoppers could save almost 35% a year by just shopping around, but they just don’t understand the large savings they would see if they changed companies.
The most effective way to get the cheapest Audi Allroad insurance is to compare prices once a year from different companies who sell insurance in Colorado Springs.
- Get an understanding of how companies set rates and the changes you can make to prevent high rates. Many things that increase rates such as accidents, traffic violations, and an imperfect credit rating can be improved by being financially responsible and driving safely. Continue reading for additional tips to get lower rates and get discounts that may be overlooked.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can give you price quotes for many different companies. Click to view companies
- Compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to know about shopping around is to compare the same level of coverage on every price quote and and to get rates from as many car insurance companies as possible. This guarantees a fair price comparison and maximum price selection.
Best Audi Allroad insurance price quotes in Colorado
The companies shown below are ready to provide comparison quotes in Colorado. To find the best cheap car insurance in CO, we suggest you get price quotes from several of them to get the most competitive price.
How Insurance Providers Determine Audi Allroad Insurance Rates
Many factors are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are more obscure such as your marital status and annual miles driven. An important part of buying insurance is that you know some of the elements that play a part in calculating your premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.
- Know your credit rating – Having a bad credit history factor in calculating your premium rate. Therefore, if your credit can be improved, you could potentially save money when insuring your Audi Allroad if you improve your credit rating. Drivers with very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with poor credit.
- Bad drivers pay high costs – Drivers with clean records tend to pay less for car insurance than bad drivers. Even one chargeable violation could increase your next policy renewal by twenty percent. Drivers who have received dangerous violations such as reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.
- Certain employers pay higher rates – Jobs like doctors, police officers, and miners generally pay higher premiums than the average policyholder attributed to high stress levels and long work days. Other jobs such as scientists, students and the unemployed have lower than average premiums.
- Increase comp and collision deductibles to save – Insurance for physical damage to your car, aka comp and collision, insures against damage to your Audi. Some examples of covered claims are a windshield shattered by a rock, collision with an animal, and windstorm damage. Comp and collision deductibles define the amount you are required to pay if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be.
- Vehicle risk influences premiums – The make and model of the vehicle you are buying insurance for makes a significant difference in your car insurance bill. Small economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
- No policy gaps is important – Having an insurance coverage lapse will be a quick way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance may result in fines and jail time.
Discounts for cheap auto insurance rates
Companies offering auto insurance do not list every discount available very clearly, so the list below contains some of the more common and also the lesser-known credits that may apply to you.
- Early Switch Discount – A few companies offer discounts for buying a policy early. You may see this discount when you get Colorado Springs car insurance quotes online.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.
- Student Discounts – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
- Federal Government Employee – Active or former government employment could qualify for a slight premium decrease with certain companies.
- Cautious Driver Discounts – Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
- Bundle and Save – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
Keep in mind that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will cut your auto insurance premiums.
If you would like to choose from a list of insurance companies with discount auto insurance rates in Colorado Springs, click this link.
Local agents and auto insurance
A small number of people just want to talk to a local agent. An additional benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still choose a local agent.
By using this simple form, the coverage information is emailed to local insurance agents in Colorado Springs who will gladly provide quotes for your business. You don’t have to search for an agent because prices are sent immediately to you. You can find lower rates and a licensed agent to talk to. If you have a need to compare prices from a specific auto insurance provider, you can always visit that company’s website to submit a rate quote request.
Finding the right provider requires more thought than just a low price. These are valid questions to ask:
- Are they full-time agents?
- Is auto insurance their primary focus in Colorado Springs?
- Is the coverage adequate for your vehicle?
- If you are a high risk driver, do they have special markets for your coverage?
- What are the financial ratings for the companies they represent?
- Will the company cover a rental car if your car is getting fixed?
- Are claims handled at the agent’s location?
Listed below is a list of insurance companies in Colorado Springs who can help you get rate quotes for Audi Allroad insurance in Colorado Springs.
- J.R. Rodney State Farm®
1825 Main St #D – Colorado Springs, CO 80911 – (719) 392-7366 – View Map
- Six and Geving Insurance Inc
3630 Sinton Rd # 200 – Colorado Springs, CO 80907 – (719) 590-9990 – View Map
- American Family Insurance – Ed Reed
202 E Cheyenne Mountain Blvd k – Colorado Springs, CO 80906 – (719) 540-8400 – View Map
- Roberto Martinez – State Farm Insurance Agent
1216 Academy Blvd N – Colorado Springs, CO 80909 – (719) 574-0210 – View Map
Colorado auto insurance company ratings
Insuring your vehicle with the best insurer can be challenging considering how many companies there are in Colorado Springs. The company rank data listed below could help you select which auto insurers to look at buying from.
Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Colorado Springs Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Do I need special coverages?
When quoting and choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if your insurance needs may require specific advice.
- Is a blown tire covered by insurance?
- Does my personal policy cover me when driving out-of-state?
- Is there a penalty for late payment?
- How much will a speeding ticket raise my rates?
- Am I covered if I drive in a foreign country?
- How can I get my company to pay me more for my totaled car?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.
Quote more to save more
Insureds change insurance companies for a variety of reasons including high prices, an unsatisfactory settlement offer, delays in responding to claim requests or not issuing a premium refund. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.
Cheaper Audi Allroad insurance in Colorado Springs can be sourced online as well as from insurance agents, so get free Colorado Springs car insurance quotes from both of them to have the best selection. A few companies may not have rates over the internet and many times these smaller providers only sell through independent insurance agencies.
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.
More learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Colorado Springs? (FAQ)
- Who Has Affordable Car Insurance Rates for Uber Drivers in Colorado Springs? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Avoiding Deer Collisions (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)