Finding the Best Car Insurance Quotes in Aurora, CO

Getting car insurance is a necessity for all drivers in Aurora, but finding the right coverage at the best price can be confusing and time-consuming. Comparing car insurance quotes from multiple providers is the best way to ensure you get the coverage you need at a rate you can afford. This comprehensive guide will walk you through everything you need to know to get the best car insurance quotes in Aurora and start saving money.

Average Cost of Car Insurance in Aurora

The average cost of car insurance in Aurora is $1,416 per year or about $118 per month. However, rates can vary dramatically depending on your personal factors like age, driving record, and type of vehicle. Generally, the major factors that affect your car insurance rates in Aurora are:

• Age – Drivers under 25 tend to pay the highest rates while drivers aged 40-60 enjoy the lowest rates.

• Driving Record – Drivers with accidents, speeding tickets, DUIs pay much higher rates.

• Credit Score – Drivers with excellent credit (800+) typically pay less than those with poor credit.

• Coverage Limits – Basic liability coverage is cheaper than comprehensive and collision coverage.

• Vehicle Type – Insuring sports cars, SUVs, and luxury vehicles costs more than insuring sedans and economy cars.

The best way to find the lowest rate tailored specifically to you is to compare personalized quotes from multiple providers. Let’s look at how to do this effectively.

How to Get Car Insurance Quotes in Aurora

Getting car insurance quotes is easy thanks to the internet. Here are some tips for getting quotes:

• Determine Required Limits – Colorado requires: Bodily Injury 25/50 and Property Damage 15

• Check with Current Insurer – Get a renewal quote from your current provider.

• Use Quote Comparison Sites – Sites like TheZebra.com compare quotes from 100s of insurers at once.

• Get Quotes from Individual Insurers – Get quotes from large insurers like State Farm, Allstate, and GEICO.

• Compare Quotes – Compare all the quotes side-by-side and look for the best rate.

• Adjust Coverage to Fit Budget – Raise deductibles or drop extras like rental reimbursement to lower premiums.

Getting at least 5-10 quotes provides an accurate picture of rates and ensures you get the lowest price. Now let’s look at the major insurance providers in Aurora.

Major Car Insurance Providers in Aurora

The largest car insurance providers in Aurora are State Farm, Allstate, and American Family based on market share. Here is an overview of what they offer:

State Farm

• Market Share – 21% of Aurora drivers
• Discounts – Multiple Vehicle, Safe Driver, Defensive Driving Course
• Programs – Steer Clear Program for under 25 drivers
• Technology – Drive Safe & Save app provides discounts for safe driving

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Allstate

• Market Share – 16% of Aurora drivers
• Discounts – Bundling, Anti-Theft Device, Good Student
• Programs – Drivewise App gives discounts for safe driving
• Technology – Digital Registration and ID Cards

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American Family

• Market Share – 13% of Aurora drivers
• Discounts – Multi-Policy, Good Student, Defensive Driving
• Programs – Teen Safety Rewards for new drivers
• Technology – Online quotes, policy management, and payments

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While these top providers are a great place to start, make sure to get quotes from national companies like Progressive, Liberty Mutual, Travelers, and more. You should also get quotes from regional and local companies that provide competitive rates like Farmers Insurance.

Getting the Lowest Car Insurance Rates in Aurora

Here are some top tips for getting the cheapest car insurance rates possible in Aurora:

• Maintain Good Credit – Having a credit score over 780 can save you 20% or more.

• Drive Safely – A clean record can save you 50% or more compared to drivers with accidents and tickets.

• Take a Defensive Driving Course – Completing an approved course can earn you a discount up to 10%.

• Buy Only What You Need – Opting for just basic liability coverage can reduce premiums substantially.

• Increase Deductibles – Raising your deductible from $500 to $1000 could reduce premiums 20% or more.

• Compare Quotes Regularly – Getting new quotes at least once per year helps you find the best rate as prices change.

• ** Leverage Discounts** – Take advantage of all the discounts you qualify for like good student, affinity group, paperless, and more.

Finding affordable car insurance is easy when you put in a small amount of time to research and compare quotes. With some smart shopping, Aurora drivers can save hundreds per year and find coverage that provides protection and peace of mind.

Frequently Asked Questions

How much is car insurance in Aurora for a new driver?

For a new driver in Aurora with just basic liability coverage, expect to pay around $270 per month or $3,240 per year. Rates for new drivers under 21 are always higher due to lack of experience.

How can I get cheap car insurance with speeding tickets in Aurora?

The best way to get cheap car insurance with speeding tickets is to shop around and compare quotes. Taking a defensive driving course, maintaining a good credit score, and looking for discounts can also help offset the rate increase from tickets. Avoid further tickets, increase deductibles, and drop collision coverage to lower rates.

What auto insurance is required in Aurora?

At a minimum, Colorado requires bodily injury liability coverage of $25,000 per person and $50,000 per accident. Property damage liability of $15,000 is also required. Uninsured motorist bodily injury of $25,000/$50,000 is also mandatory. However, most experts recommend 100/300/100 minimum liability limits.

How much is full coverage car insurance in Aurora?

Full coverage car insurance including comprehensive and collision coverage along with higher liability limits like 100/300/100 typically costs around $160-$220 per month or $1,920-$2,640 per year in Aurora. However, rates can vary considerably based on your specific risk profile.

How can I find the cheapest car insurance in Aurora?

The best way to find the cheapest car insurance rates in Aurora is to compare quotes from at least 5-10 different insurance providers. Compare quotes from large national insurers along with regional and local insurance companies to find the right policy at the lowest price. Maintaining a good driving record and credit score while optimizing discounts can also help keep rates affordable.