UPDATED: Mar 13, 2020
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Cheap Car Insurance in Aurora, CO
In the market for auto insurance in Aurora? At AutoInsuranceEZ.com, you can find the cheapest insurance rates near you. To obtain free car insurance quotes from the major providers today, key your zip code into the quote box on this page.
Aurora is a very popular suburb of Denver. It also has roots in military history, with both the former Army hospital Fitzsimons and the former Lowry Air Force Base having been located there. Additionally, the University of Colorado Denver has a medical campus in Aurora. Find more info on car insurance Colorado below.
- Fun fact: Did you know that Aurora is #5 on the list of “Top 101 cities with largest percentage of females in occupations: Law enforcement workers including supervisors (population 50,000+)”? Learn more about Aurora.
Auto Insurance Coverage Requirements in Colorado
In the chart below, you can see the legal minimums as well as the most common types and amounts of coverage:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||15,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
While you may only be required to purchase Liability coverage, keep in mind that this won’t protect you financially in every situation. And depending on how you are paying for your car, you might have no choice but to purchase additional coverage. Some lenders require it for financed vehicles.
Most Colorado drivers are probably paying around $130 per month for their auto coverage. But Aurora drivers can get discounted premiums for as low as $56/mo*. All you have to do is keep reading this article for tips on collecting automotive insurance discounts.
The Hartford, Farmers, and Amica are offering the lowest available rates in Aurora right now. However, low rates aren’t everything. Sometimes it’s worth a few extra dollars per month to sign up with a company that has high customer and claims service ratings.
Auto insurance carriers evaluate different elements when establishing insurance quotes, including driving violations, accident claims, credit score/rating, education, and business use of the vehicle. In addition, premiums vary from company to company. To make sure you’re still receiving the cheapest rate, compare cheap Aurora auto insurance quotes online.
Major Car Insurance Factors in Aurora
Insurance companies take numerous factors into account when crafting an auto insurance policy. Unfortunately, many of these elements are difficult or impossible to change, such as your gender or the make/model of your car. Other factors your car insurance company may consider include:
Your Zip code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Aurora is 345,803 and the median household income is $49,142.
Because Aurora is a fairly large city, it should come as no surprise that the accident statistics in the chart above are as high as they are. The unfortunate truth is that areas with lots of accidents tend to also have higher insurance prices.
Auto Thefts in Aurora
Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Aurora was 1,000 in 2013, which is a significant spike from previous years. If you are concerned about auto theft, protect yourself by adding or increasing your Comprehensive coverage.
Your Credit Score
If you are worried about your credit score, take a close look at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums. Drivers with excellent credit can enjoy exceptionally low rates, while poor credit motorists can end up paying twice as much (or more).
Did you know that some companies will charge teenage drivers up to 300% more for insurance than someone twice their age? It all has to do with their overall lack of driving experience. Because of their inexperience, they are much more likely to get into an accident.
Your Driving Record
Did you know that some providers offer a discount called “Accident Forgiveness”? If you have minor violations, such as a speeding ticket or a fender-bender sullying your driving record, you may be able to lower your premiums with such a discount.
Luxury vehicles are much more expensive to insure than your standard, run-of-the-mill compact sedan. This is true both because of expensive replacement/repair costs, and because they require much more comprehensive coverage.
Minor Car Insurance Factors in Aurora
Did you know that the following factors can also influence your monthly rate?
Your Marital Status
Did you know that married couples can significantly lower their premiums by bundling their policies with the same company? Of course, you have to make sure you’re insured by the same provider first. And if that insurance company also does homeowner’s or renter’s insurance, you can save even more.
Guess what? Gender isn’t as significant of a factor as it used to be when determining monthly premiums. Most companies these days don’t even charge different rates for males vs. females, all other factors being equal. And those who do rarely charge more than 1-2%.
Your Driving Distance to Work
For most workers in Aurora, the average commute can last anywhere from 25-34 minutes each trip. Carpool rates vary in some areas between 12-20%, but the highest rates of carpooling occur for residents living on the northern and southern parts of the city.
Some insurance providers might make a big deal about how many miles you drive, or your purpose for driving. In truth, these differences in driving habits make no more than a 2-3% difference in monthly premiums. Business vehicles, on the other hand, can be charged 10% higher rates or more.
Your Coverage and Deductibles
Would you like more than the bare minimum coverage on your vehicle, but don’t want to pay the full-coverage premiums? Talk to your provider about raising your deductible. Yes, in the short term it can increase your expenses should you need to file a claim. But you can save each month over the long term.
If you don’t want to pay outrageous prices for Aurora car insurance, you might want to consider expanding your education. It’s a proven fact that insurance companies usually give lower rates to drivers with a bachelor’s degree or higher, regardless of profession or salary. In Aurora, most motorists have completed a high school education or some equivalent.
There are quite a few educational options available for those interested in starting a degree program or going back to school. There are private options, such as Anthem College or Concorde Career College. For an associate’s degree, there is also the Community College of Aurora or Pickens Technical College. Moreover, the University of Colorado Denver has a medical campus in Aurora.
Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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