Proven Methods for Cheaper Aurora Colorado Auto Insurance

Expensive auto insurance can drain your savings account and make it hard to pay other bills. Doing a price comparison is a smart way to tighten up your finances.

There are many insurance companies to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest rates.

Discounts are available to cut your rates

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Student in College – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • Homeowners Discount – Owning a house in Aurora may earn you a small savings because of the fact that having a home demonstrates responsibility.

It’s important to note that some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut the cost of coverage.

For a list of providers with discount auto insurance rates in Aurora, click this link.

Do I need a local agent?

Some consumers would rather sit down with an agent and that is OK! One of the best bonuses of price shopping on the web is you may find the best rates but also keep your business local. And supporting local agencies is especially important in Aurora.Colorado insurance quotes

Upon completion of this simple form, the quote information is transmitted to participating agents in Aurora who will compete to get your business. You don’t have to even leave your home since price quotes are sent directly to your email. It doesn’t get any easier! Get lower rates AND a local agent.

Shown below are Aurora car insurance companies that may be willing to give rate quotes.

State Farm Insurance – 15281 E Smoky Hill Rd, Aurora, CO 80015 – (720) 886-0400
Liberty Mutual Insurance – 2495 S Havana St # F8, Aurora, CO 80014 – (303) 750-9355
American National Insurance Co – 3000 S Peoria St # 101, Aurora, CO 80014 – (303) 207-0172
Allstate Insurance – 1450 S Havana St # 330, Aurora, CO 80012 – (303) 751-1340
Farmers Insurance Group – 2993 S Peoria St, Aurora, CO 80014 – (303) 755-9453
American Republic Insurance – 3122 S Evanston Way, Aurora, CO 80014 – (303) 400-4113
General Agency Corp – 15200 E Girard Ave # 4800, Aurora, CO 80014 – (303) 991-0680

Choosing a company shouldn’t rely on just the price. Ask your prospective agent these questions:

  • Do they regularly work with personal auto policies?
  • Which company do they place the most coverage with?
  • Are they full-time agents?
  • Does the agency provide any after hours assistance?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What is the agency’s Better Business Bureau rating?

Once you have received answers to your satisfaction for all questions you ask and an acceptable price quote, it’s possible that you found an provider that meets your needs to insure your vehicles.

More information can be found on the website for the Colorado DORA Division of Insurance found here. Visitors are able to learn about insurance regulations, view a list of available companies, read industry bulletins, and file complaints about an insurance agent or broker.

Also read more on this site for Colorado auto insurance information and this link where you can get more info about Aurora auto insurance.

Quote more, save more

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned some good ideas how to reduce auto insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from the smaller companies. Smaller companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.