Would you like to stop wasting money and find more affordable Audi S4 insurance in Denver? Have you fallen victim to overpriced Audi S4 insurance in Denver? You’re in good company because there are lots of people in the same boat.
Amazlingly, a recent NerdWallet.com study showed that nearly 70% of drivers kept buying from the same company for a minimum of four years, and 38% of drivers have never taken the time to shop around. With the average premium in Colorado being $1,810, drivers could save as much as 35% a year, but they don’t want to take the time to do a rate comparison. Online insurance companies like Progressive, GEICO and Farmers Insurance all promote huge savings with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
If you are already insured or are just looking to switch companies, use these tips to cut your premiums and still get good coverage. Choosing the most cost-effective insurance policy in Denver is not that difficult. Drivers just have to understand the most efficient way to compare company rates from many companies at once.
Get cheaper Audi S4 insurance rates in Denver
Auto insurance companies don’t always publicize every possible discount very clearly, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Denver car insurance online.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- Driver Training Discounts – Taking time to complete a course in driver safety could earn you a small percentage discount and make you a better driver.
- Discount for Life Insurance – Select insurance companies reward you with lower car insurance rates if you buy life insurance.
- Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
- Seat Belt Discounts – Drivers who require all occupants to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Professional Organizations – Affiliation with certain professional organizations may earn a discount on your bill.
- Own a Home – Just being a homeowner can get you a discount because owning a home means you have a higher level of financial diligence.
- Switch and Save Discount – Some larger companies provide a discount for signing up before your current S4 insurance policy expires. It’s a savings of about 10%.
- No Claims – Denver drivers who stay claim-free have much lower rates compared to drivers who are more careless.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will cut your policy cost.
A partial list of companies that may offer policyholders these benefits possibly include:
When comparing rates, check with every insurance company the best way to save money. Some credits might not be available to policyholders everywhere.
The easiest way to compare car insurance company rates for Audi S4 insurance in Denver utilizes the fact most insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is take a few minutes to give details including your education level, the year, make and model of vehicles, if the car is leased, and how your vehicles are used. Those rating factors gets sent immediately to multiple car insurance providers and they return quotes instantly to find the best rate.
To get price quotes for your Audi S4 now, click here and complete the form.
The following companies provide price quotes in Denver, CO. If several companies are displayed, we recommend you visit two to three different companies in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $182 | $432 | $338 | $20 | $102 | $1,074 | $90 |
| S4 Quattro 4-Dr Sedan | $294 | $688 | $338 | $20 | $102 | $1,442 | $120 |
| S4 Quattro 4-Dr Sedan | $200 | $432 | $338 | $20 | $102 | $1,092 | $91 |
| S4 Quattro 4-Dr Sedan | $224 | $498 | $388 | $22 | $116 | $1,248 | $104 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in vehicle location which can revise price quotes greatly.
Full coverage rates compared to liability-only
The information below shows the difference between Audi S4 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, single female driver, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no exact formula for phasing out full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Audi S4 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some circumstances where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Illustration showing the impact of accidents and violations
The diagram below highlights how traffic violations and accidents impact Audi S4 insurance prices for different ages of insureds. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Car insurance premiums by gender
The chart below illustrates the comparison of Audi S4 yearly insurance costs for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.
Independent or exclusive insurance agencies
Many people just want to visit with an insurance agent and that is just fine! Insurance agents can help you build your policy and give you someone to call. A nice benefit of comparing insurance prices online is the fact that drivers can get cheap auto insurance rates and still buy from a local agent.
After filling out this quick form, your information gets sent to local insurance agents in Denver who will return price quotes for your business. It’s much easier because you don’t need to do any legwork as quotes are delivered to you. If you wish to compare rates from a specific auto insurance provider, feel free to go to their quote page to submit a rate quote request.
Deciding on an company requires you to look at more than just a cheap price. Some important questions to ask are:
- Is every driver in your family covered?
- Is there a Errors and Omissions policy in force?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you are a high risk driver, do they have special markets for your coverage?
- If they are an independent agency in Denver, which companies do they recommend?
When searching for a reliable insurance agent, it helps to know the two different types of agencies from which to choose. Agents in Denver can be categorized as either exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but we need to point out the difference in how they write coverage because it can impact your agent selection.
Exclusive Agencies
Exclusive agencies generally can only insure with one company like AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive insurance agents are trained well on sales techniques which can be an advantage.
The following is a list of exclusive insurance agencies in Denver willing to provide comparison quotes.
Tiffany Meidinger – State Farm Insurance Agent
1100 Acoma St – Denver, CO 80204 – (720) 508-8760 – View Map
Farmers Insurance – Mike Schmisek
1100 S Shoshone St – Denver, CO 80223 – (303) 922-1001 – View Map
Allstate Insurance: Charles F. Simmons
797 S Pearl St – Denver, CO 80209 – (303) 722-0191 – View Map
Independent Insurance Agents
These type of agents do not work for one specific company so they can write business with a variety of different insurance companies and find the cheapest auto insurance rates. If prices rise, the business is moved internally and you don’t have to do anything. If you are comparing auto insurance prices, we recommend you get quotes from multiple independent agents so that you can do a thorough price comparison.
Listed below is a short list of independent agencies in Denver who can help you get comparison quotes.
All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map
Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map
Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map
After getting good answers to any questions you have as well as an affordable premium quote, you’ve probably found an insurance agency that is reliable enough to service your policy.
Quote more to save more
Some insurance providers may not offer the ability to get a quote online and usually these smaller companies only sell coverage through independent insurance agents. Cheaper auto insurance in Denver is attainable both online in addition to many Denver insurance agents, so you need to compare both to get a complete price analysis.
Throughout this article, we presented some good ideas how you can lower your Audi S4 insurance car insurance rates in Denver. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper Denver car insurance quotes. You may even discover the biggest savings come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.
More tips and info about auto insurance is located by following these links:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Inexperienced Drivers in Denver? (FAQ)
- Who Has Cheap Car Insurance for High Risk Drivers in Denver? (FAQ)
- How Much are Denver Car Insurance Rates for Business Use? (FAQ)
- What Insurance is Cheapest for a Honda CR-V in Denver? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)