Learn How to Lower Your Premiums for Aurora Colorado Car Insurance

Finding affordable Aurora car insurance is hard for people who are new to comparison shopping online. Drivers have so many options available that it can be a real challenge to locate the lowest price in Aurora.

Consumers should take time to take a look at other company’s rates quite often because rates change frequently. Even if you think you had the best deal a couple years back you may be paying too much now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

If you have a current car insurance policy or are looking for a new policy, you can learn to get lower rates and still get good coverage. The purpose of this post is to introduce you to how to get online quotes and some tricks to saving. Colorado drivers only need an understanding of the best way to get comparison quotes online.

Discounts are great for lower rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Certain discounts will be applied at the time of purchase, but less common discounts must be inquired about in order for you to get them. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Multiple Cars – Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Senior Discount – Mature drivers may be able to get a discount up to 10%.
  • Defensive Driver – Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than less cautious drivers.

It’s important to note that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.auto insurance image

The list below includes some of the items that factor into rates.

  • How your age affects price – More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be more careless when driving therefore car insurance rates are much higher.
  • Where do you drive? – Driving more miles in a year the higher your rates will be. Most insurance companies apply a rate based on their usage. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
  • Add-on coverages can add up – There are quite a few add-on coverages you can purchase on your policy. Coverages like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • No coverage gaps is important – Driving without insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with the Colorado department of motor vehicles.

You may need specialized coverage

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • When should I drop full coverage on my vehicle?
  • I don’t drive much so do I pay less?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company denied a claim?
  • How much liability do I need to cover my assets?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

More Colorado car insurance resources

Much more information about car insurance in Colorado is located on the Colorado DORA Division of Insurance website through this link. Colorado drivers can view a list of available companies, read enforcement actions against agents and companies, read state legal mandates and laws, and learn about insurance regulations.

Also read more on this resource for Colorado car insurance prices and this link where you can get more info about Aurora car insurance.

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Keep this in mind

As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

Low-cost car insurance can be bought online and also from your neighborhood Aurora agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, denial of a claim and lack of trust in their agent. No matter why you want to switch, switching car insurance companies can be easier than you think.