Car Insurance Aurora, CO
A Plus Insurance was founded in Colorado, and we’re proud to help Aurora drivers compare car insurance rates that fit their needs.
State Liability Requirements
Required Liability Coverage in Colorado:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Table of Contents
Aurora Insurance Rates
Below you will see a few insurance companies we work with in Aurora, Colorado, and their average cost for full coverage. Based on our data, Progressive is offering the cheapest full coverage quote at approximately $121, while Liberty Mutual averages around $199.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Progressive | $121.00 |
| 2 | Travelers | $126.00 |
| 3 | Bristol West | $134.00 |
| 4 | The General | $142.00 |
| 5 | Mendota | $160.00 |
| 6 | Dairyland (Viking) | $190.00 |
| 7 | Liberty Mutual | $199.00 |
These numbers are based on our own customers and may vary when quoted through other companies and agencies. Many drivers are surprised to learn that working with an insurance agent or broker can often be cheaper than going directly through the insurance company.
Insurance Company Ratings in Aurora, CO
How do you know if the insurance company you’re considering has a strong reputation? Independent organizations like J.D. Power and A.M. Best provide ratings based on customer service, financial strength, policies, reviews, and more. These scores help you compare insurance companies and choose the right one for your needs in Aurora, Colorado.
| Company | J.D. Power Claims | A.M. Best Rating |
|---|---|---|
| CSAA Insurance Group | 847 | A |
| Allstate Auto Insurance | 853 | A+ |
| Progressive Auto Insurance | 856 | A+ |
| Farmers Insurance | 865 | A |
| USAA | 900 | A++ |
| The Hartford (AARP Insurance) | 873 | A+ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| Mercury Insurance | 837 | A |
| State Farm | 878 | A++ |
| Esurance | 844 | A+ |
| GEICO Auto Insurance | 879 | A++ |
| Travelers | 865 | A++ |
| Safeco (Liberty Mutual) | 855 | A |
Are you insured with one of the companies listed above? Checking both their A.M. Best financial strength rating and J.D. Power claims score can help you make sure you’re getting the best service and value for your money.
Your Credit and How It Affects Aurora Insurance Rates
Why Does Credit Affect My Insurance Rates?
Credit plays a role in many major purchases, such as buying a vehicle or securing a home loan. Insurance companies use credit—along with other factors—to assess the risk level of potential customers.
Drivers with strong credit histories typically pay their bills on time, making them less risky to insure. As a result, they are often rewarded with lower rates. Those with lower credit scores may face higher premiums. Below you can see the average insurance cost in Aurora based on credit score.
Credit Impact on Aurora Insurance Rates
| Credit Score | Average Premium |
|---|---|
| Excellent | $120.99 |
| Good | $136.34 |
| Average | $164.15 |
| Poor | $232.17 |
Understanding how your credit impacts insurance rates can help you make informed decisions when shopping for coverage in Aurora, CO.
Aurora Discounts
Drivers in Aurora, Colorado can save on their auto insurance with a variety of discounts. Below is a breakdown of common savings opportunities, grouped by impact level.
| Discount Level | Available Discounts |
|---|---|
| High Discounts | Paid in Full, No Accidents or Violations, Continuous Insurance |
| Mild Discounts | Paperless Billing, Homeowners, Multi-Vehicle, Multi-Driver, Married |
| Low Discounts | Defensive Driving Course, Good Student |
| Bonus Savings | Partnering with an independent brokerage like us allows you to compare companies and stack discounts for the best price. |
Aurora Residents: Are You Paying Too Much for Auto Insurance?
Many drivers in Aurora, CO are paying more than they should for auto insurance without even realizing it. The most common reason is that they never shop around for new quotes. Too often, people simply renew their existing Aurora auto insurance policy without comparing prices from other companies.
How Do I Get a New Insurance Quote in Aurora, CO?
The best time to start shopping for better rates is when your current policy is about to expire. Today, getting auto insurance quotes in Aurora is fast and convenient online no need to call every company individually. In fact, requesting multiple quotes on the internet is usually much easier than doing it by phone.
One simple approach is to write down the coverage and features you need in your car insurance policy. Then, request quotes from several Aurora insurance companies to see who offers the best price and coverage fit.
When you call A Plus Insurance, our agents work with multiple carriers to find you a great rate. To get started, here are a few details we’ll need from you:
- Driver’s license information
- Vehicle details (year, make, model, VIN)
- Current insurance policy (if applicable)
- Driving history (accidents or violations)
You then can create a single email addressed to agents and sent it to several companies at once. This is an excellent way to get low priced car Insurance Aurora policies because the single biggest factor in getting a lower rate is to obtain a sufficient amount of quotations.
What Is the Cheapest Car Insurance in Colorado?
Looking for the most affordable car insurance in Aurora, Colorado? Progressive often stands out as one of the cheapest options available. Their competitive rates and various discounts, such as multi-policy and safe driver discounts, make them an attractive choice for budget-conscious drivers.
However, it’s essential to compare quotes from multiple carriers to ensure you’re getting the best deal. Factors like coverage options, deductibles, and customer service should also be considered when selecting your insurance provider.
Average Car Insurance Rates in Aurora, CO
| Insurance Company | Average Monthly Rate ($) | Coverage Options |
|---|---|---|
| Progressive | $85 | Full Coverage |
| Dairyland | $90 | Liability Only |
| Gainsco | $95 | Full Coverage |
Remember, individual rates may vary based on factors like driving history, age, and the type of vehicle you drive. Conduct thorough research and compare quotes to secure the best insurance rates for your needs.
List of Information Needed for an Auto Quote in Aurora: Plus Fun Facts!
- Name and Date of Birth of All Drivers in the household, whether they will be on the policy or not.
Fun Fact: Once you’re over 25, insurance rates typically improve! - Physical Address where the vehicle will be garaged (not a P.O. Box).
Fun Fact: Zip code matters more populated areas often have higher rates. - Driving History for the last 5 years, including accidents, violations, and claims.
Fun Fact: After five years, most violations won’t drastically impact your rate. - Types of Coverage you’re interested in, such as Liability Only, Full Coverage, Medical Payments, or Uninsured Motorist.
Fun Fact: Adding these coverages may cost less than you think. - Discount Information such as marital status, homeownership, employment, and current insurance status.
Fun Fact: These are signs of financial stability, and insurance companies often reward them. - Vehicle Details including year, make, model, and especially the VIN.
Fun Fact: The color of your car does not affect your insurance rate.
Don’t Wait Years to Shop Around Your Insurance Policy
Too many people wait years before checking their auto or home insurance rates, only to find out they’ve been overpaying. At A Plus Insurance, we’re an independent brokerage that works with multiple top-rated insurance carriers.
This gives us the ability to compare insurance rates at renewal or even midterm while still providing you with the same trusted staff you already know.
Since insurance rates change frequently, our agents have the tools and resources to see which carriers are raising or lowering rates in the Aurora, CO area. By reviewing your insurance policies at least once or twice a year, you can make sure you’re not leaving money on the table.
Saving money matters in today’s economy, and we’re here to help with Aurora insurance policies tailored to your needs.
Insurance Aurora
Another good time to shop for an auto insurance policy in Aurora is before you purchase a new or used car. It’s often a smart move to explore coverage options while you shop for a vehicle. The worst time to buy insurance is after the purchase, when you may be limited on time and options.
The cost of car insurance in Aurora, Colorado, depends on the specific make and model of the vehicle. Two cars with similar sticker prices can differ significantly in insurance costs. By comparing auto insurance quotes in Aurora before buying, you can factor coverage costs into your overall decision.
Real Example of an Insurance Quote in Aurora
We recently helped a household with six drivers and six vehicles. Two of the vehicles needed full coverage, while four were insured with basic liability only. The family included teenage drivers with good grades, a recently married daughter and her husband, plus Mom and Dad as the primary drivers.
We were able to quote, issue, and bind a policy that same day. Their monthly premium dropped from about $750 down to $575, even with two tickets on one driver’s record.
This policy was written through Progressive Insurance, and it provided coverage for all household members while driving any of the six vehicles listed. The customer appreciated both the convenience and the savings.
Policy issued on 09/29/2016.
Best Home and Auto Insurance Policies for New Homeowners
Explore our top insurance options for new homeowners. For personalized guidance, call us at 1.888.445.2793 or Text Us today.
- Comprehensive Home and Auto Bundle Combine home and auto insurance for maximum savings and streamlined service. Call us at 1.888.445.2793 for a quote.
- First-Time Homebuyer Policy Tailored coverage for new homeowners, including flexible deductibles and added personal property protection. Text Us to learn more.
- High-Value Home Policy Designed for homes with higher rebuild costs, providing extensive dwelling and liability coverage. Call 1.888.445.2793 for details.
- Affordable Liability-Only Auto Coverage Perfect for new homeowners on a budget, with liability-only options for your vehicle. Text Us for eligibility.
- Military Discount Bundle Special rates for active-duty or retired military personnel who bundle home and auto insurance. Call 1.888.445.2793 to find out more.
- Smart Home Insurance Policy Discounted premiums for homes equipped with smart security systems and devices. Text Us for eligibility.
Expert Tips for Comparing Home and Auto Insurance Quotes
Finding the best insurance policy involves more than just looking at price. Here are expert tips for comparing insurance quotes effectively. For personalized assistance, call us at 1.888.445.2793 or Text Us.
Check Coverage Limits and Deductibles
When comparing quotes, make sure to review coverage limits and deductibles. Lower premiums often come with higher deductibles, meaning you’ll pay more out-of-pocket if a claim is filed. Balance your premium and deductible for the best value. For guidance, Text Us today.
Review Policy Exclusions
Each policy has its own exclusions. Carefully read through these to understand what is not covered. This helps you avoid surprises when filing a claim. Call 1.888.445.2793 for a detailed breakdown of policy terms.
Compare Discounts
Look for discounts that can lower your premiums, such as multi-policy bundles, safe driving, or loyalty savings. Not all insurance companies offer the same discounts, so compare closely. Text Us for details on available discounts.
Consider Customer Service and Claims Process
Price isn’t everything. A company with excellent customer service and a smooth claims process can save you stress in the long run. Check customer reviews and ratings before making a decision. For recommendations, call us at 1.888.445.2793.
Use Identical Coverage for Comparison
When comparing quotes, ensure you’re reviewing identical coverage options, including liability limits, coverage types, and deductibles. This way, you’re comparing apples to apples. Need help matching coverage options? Text Us for tailored advice
Frequently Asked Questions About Insurance:
How often should I compare insurance quotes?
You should check your insurance rates at least once a year. Prices change regularly, and reviewing quotes can help you avoid overpaying.
Does my credit score affect what I pay for insurance in Colorado?
Yes. In Colorado, insurance companies consider your credit score when setting rates. A higher score usually means lower premiums, while a lower score can raise your costs.
Who usually has the cheapest car insurance in Aurora?
Progressive, Dairyland, and Gainsco often have some of the lowest rates in Aurora. The cheapest option depends on your driving history, vehicle, and coverage needs, so it’s best to compare multiple quotes.
What’s the most important thing to look at when comparing quotes?
Don’t just focus on price. Pay attention to coverage limits, deductibles, and exclusions. Always make sure you’re comparing the same types of coverage across companies.
Is bundling home and auto insurance worth it?
Yes. Bundling can provide significant discounts, and some companies even add perks like a single deductible or loyalty rewards.
| Additional Colorado Insurance |
|---|
| Car Insurance Centennial |
| Auto Insurance Salida |
| Business Insurance Colorado |
| Auto Insurance Montrose |
| Insurance Castle Rock |
| Auto Insurance Golden |
Why Is Car Insurance So Expensive?
Why is Car Insurance So Expensive?Insurance companies across the country have been adjusting car insurance rates, and no one is immune. No matter how good a driver you are, you…
Dodge durango slt 2005 insurance
Agent: Marlon Company: Falcon Monthly Premium: $86.66 Type: Auto-Liability Notes: Dodge Durango SLT 2005, LIABILITY ONLY, Clean Driving Record Aurora Colorado, Paperless Discount Zip: 80019 City: AURORA State: CO
2018 Hyunai Elantra
Agent: Shawn Company: Progressive Monthly Premium: $216.08 Type: Auto-Full Notes: 2018 Hyundai Elantra with full coverage $500 deductible for comprehensive and collision, separate $100 Glass deductible. Snapshot discount applied. updated…
2018 Hyunai Elantra
Agent: Shawn Company: Progressive Monthly Premium: $216.08 Type: Auto-Full Notes: 2018 Hyundai Elantra with full coverage $500 deductible for comprehensive and collision, separate $100 Glass deductible. Snapshot discount applied. Zip:…
Last Updated on by Lady Mae Enad