How to Save on Audi S4 Insurance in Colorado Springs

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A recent survey discovered that a large majority of consumers have bought insurance from the same company for at least the last four years, and practically 40% of insurance customers have never even compared rates from other companies. Colorado drivers can save hundreds of dollars each year, but most tend to underestimate the large savings they would see if they just switched companies.

Insurance for Audi S4It takes a little time, but the best way to get budget auto insurance rates is to make a habit of comparing prices annually from insurance carriers in Colorado Springs.

  1. Try to comprehend individual coverages and the factors you can control to prevent expensive coverage. Many things that are responsible for high rates such as at-fault accidents, careless driving, and a substandard credit history can be rectified by being financially responsible and driving safely.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote prices for many different companies. View insurance agents
  3. Compare the new quotes to your existing coverage to see if cheaper S4 coverage is available. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
  4. Give notification to your agent or company of your intent to cancel your current car insurance policy. Submit a down payment along with a completed application for the new coverage. As soon as you have the new policy, keep your new certificate verifying coverage in your glove compartment.

A good tip to remember is to compare the same physical damage deductibles and liability limits on every quote and and to get prices from as many companies as you can. This ensures a fair rate comparison and plenty of rates choose from.

Finding and comparing the most affordable protection in Colorado Springs is not that difficult. In essence, every person who buys auto insurance most likely will find better rates. Although Colorado drivers need to have an understanding of the way companies charge you for coverage and use it to find better rates.

The fastest way that we advise to compare insurance rates from multiple companies is to know the fact almost all companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is provide a little information including how you use your vehicles, whether or not you need a SR-22, which vehicles you own, and your general credit rating. Your insurance information gets transmitted to all major companies and they return quotes almost instantly.

To check rates for your car now, click here and complete the form.

The companies shown below have been selected to offer quotes in Colorado Springs, CO. To get the best cheap car insurance in CO, we recommend you click on several of them to get the best price comparison.

It may be expensive, but it's not optional

Even though it can be expensive, insuring your vehicle is required by state law in Colorado and it also provides benefits you may not be aware of.

  • Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance if you don't want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your Audi has a loan, almost all lenders will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Audi at a much higher premium rate and make you pay for the much more expensive policy.
  • Insurance protects both your car and your personal assets. It will also cover medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.

The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. Today the average American driver is overpaying more than $825 a year so it's very important to do a rate comparison every year to help ensure money is not being wasted.

Coverage information

The information displayed next showcases estimates of coverage prices for Audi S4 models. Having a better idea how auto insurance premiums are calculated can help drivers make smart choices when selecting a coverage provider.

Audi S4 Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $326 $822 $314 $18 $94 $1,574 $131
S4 Quattro 4-Dr Sedan $326 $822 $314 $18 $94 $1,574 $131
S4 Quattro 4-Dr Sedan $360 $822 $314 $18 $94 $1,608 $134
S4 Quattro 4-Dr Sedan $360 $822 $314 $18 $94 $1,608 $134
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific location which can decrease or increase prices considerably.

Comparison of policy deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates shown below help summarize the premium difference of buying low and high physical damage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Audi S4 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $380 $838 $298 $18 $90 $1,649 $137
S4 Quattro 4-Dr Sedan $380 $838 $298 $18 $90 $1,649 $137
S4 Quattro 4-Dr Sedan $420 $838 $298 $18 $90 $1,689 $141
S4 Quattro 4-Dr Sedan $420 $838 $298 $18 $90 $1,689 $141
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Audi S4 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $210 $442 $298 $18 $90 $1,058 $88
S4 Quattro 4-Dr Sedan $210 $442 $298 $18 $90 $1,058 $88
S4 Quattro 4-Dr Sedan $232 $442 $298 $18 $90 $1,080 $90
S4 Quattro 4-Dr Sedan $232 $442 $298 $18 $90 $1,080 $90
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in Colorado Springs location which can impact premiums substantially.

Based on this data, using a $100 deductible will cost you roughly $50 more each month or $600 annually averaged for all S4 models than requesting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 18 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Violations and accidents raise rates

The information below demonstrates how speeding tickets and accident claims can affect Audi S4 insurance costs for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Cost of full coverage in Colorado Springs

The information below compares Audi S4 car insurance costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no clear-cut formula of when to phase out physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's assume your Audi S4 book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for physical damage coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not recommended. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Auto insurance rates and discounts

Some insurers don't necessarily list all possible discounts in a way that's easy to find, so the following list contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you.Discount auto insurance

  • Theft Prevention Discount - Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Clubs and Organizations - Belonging to qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
  • Defensive Driver - Successfully completing a defensive driver class is a good idea and can lower rates and easily pay for the cost of the class.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more on S4 insurance in Colorado Springs.
  • Senior Citizen Rates - Mature drivers may receive a small decrease in premiums.

Drivers should understand that some credits don't apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, companies don't profit that way.

The chart below compares Audi S4 insurance rates with and without discounts being applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

Companies and the discounts they provide can be read below.

  • State Farm has savings for Steer Clear safe driver discount, driver's education, multiple autos, good driver, multiple policy, and good student.
  • American Family includes discounts for multi-vehicle, good driver, defensive driver, mySafetyValet, and Steer into Savings.
  • GEICO may have discounts that include good student, air bags, military active duty, federal employee, membership and employees, and driver training.
  • 21st Century may offer discounts for driver training, theft prevention, homeowners, automatic seat belts, good student, and anti-lock brakes.
  • Progressive discounts include multi-vehicle, multi-policy, online signing, homeowner, continuous coverage, and good student.

Check with all the companies to give you their best rates. All car insurance discounts might not be offered on policies in Colorado Springs. To see insurers that offer the discounts shown above in Colorado, click here.

You may need help from a local insurance agent

Many drivers still prefer to sit down and talk to an agent and that is not a bad decision One of the great benefits of price shopping on the web is the fact that you can find better rates and still choose a local agent. Putting coverage with local agencies is still important in Colorado Springs.

By using this quick form, your information is emailed to agents in your area who will return price quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent due to the fact that quote results will go to your email. You can find the lowest rates without having to waste a lot of time. If you want to get a price quote from one company in particular, just find their quoting web page to submit a rate quote request.

Finding a good insurer requires you to look at more than just the price. Here are some questions you should ask.

  • Which insurance company do they prefer to write with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they specialize in personal lines auto insurance in Colorado Springs?
  • How would your car be valued if totaled?
  • Does the agency have a current Errors and Omissions policy?
  • Do they reduce claim amounts on high mileage vehicles?

The most affordable rates come from being thorough

The cheapest Audi S4 insurance in Colorado Springs can be purchased online as well as from independent agents in Colorado Springs, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and most of the time these regional carriers sell through local independent agents.

We just showed you a lot of information how to reduce Audi S4 insurance premium rates online in Colorado Springs. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable Colorado Springs auto insurance quotes. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm and Allstate.

More information can be read at the links below