How to Save on Ford Ranger Insurance in Aurora

We don’t have to tell you that car insurance companies don’t want you to look at other companies. Consumers who shop around for the cheapest rate will most likely switch companies because there is a significant possibility of finding better rates. A recent study showed that consumers who compared prices regularly saved $865 annually compared to other drivers who never shopped around for lower prices.

If finding the lowest rates on car insurance is your ultimate goal, knowing how to compare cheaper coverage can help you succeed in finding affordable rates.

The most effective way to find discount Ford Ranger insurance in Aurora is to regularly compare quotes from insurance carriers in Colorado.

• First, try to understand how your policy works and the things you can control to prevent expensive coverage. Many things that cause high rates like traffic citations, accidents, and poor credit rating can be controlled by paying attention to minor details.
• Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple companies.
• Third, compare the new quotes to the price on your current policy and determine if cheaper Ranger coverage is available in Aurora. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
• Fourth, provide notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a signed application for the new coverage. Don’t forget to safely store the certificate verifying coverage above your visor, in the console, or in the glove compartment.

A tip to remember is that you use similar deductibles and liability limits on each quote and and to compare as many auto insurance providers as possible. This helps ensure a fair price comparison and many rates to choose from.

Our goal is to tell you the best methods to compare rates and some tips to save money. If you have insurance now, you will surely be able to save money using the ideas presented in this article. Smart shoppers only need to know the most effective way to compare insurance rates using one simple form.

Low Cost companies for Ford Ranger insurance in Colorado

The car insurance companies shown below offer free quotes in Aurora, CO. If you want the cheapest car insurance in Aurora, we suggest you visit several of them to get the most competitive price.

Ford Ranger coverage statistics

The data table displayed below covers detailed analysis of coverage costs for Ford Ranger models. Learning as much as possible about how insurance rates are figured can be valuable when making informed decisions.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can revise prices substantially.

Physical damage deductible comparison

When buying car insurance, a common question is which deductibles should you choose. The premium rates below can help you understand how much more rates are of buying low and high coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific location which can decrease or increase coverage rates noticeably.

Based on these figures, using a $100 deductible will cost you approximately $21 more each month or $252 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 19 months between claim filings, you would probably be better off by going with a higher deductible. The table below shows an example of how you can do this calculation yourself.

Reckless driving habits raise car insurance rates

The diagram below shows how traffic citations and at-fault fender-benders increase Ford Ranger car insurance rates for different insured age categories. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Car insurance rates by gender and age in Aurora

The diagram below visualizes the comparison of Ford Ranger insurance premiums for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Discount Aurora insurance rates

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so we break down both well-publicized and the more hidden credits available to bring down your rates.

• Save with a New Car – Buying a new car model can save you some money since newer models have better safety ratings.
• Multiple Vehicles – Buying insurance for all your vehicles with one company could earn a price break for each car.
• Good Grades Discount – Performing well in school may save as much as 25% on a Aurora auto insurance quote. You can use this discount normally up to age 25.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
• College Student – Youth drivers who are enrolled in a college that is more than 100 miles from Aurora and do not have a car could qualify for this discount.
• Service Members Pay Less – Being deployed with a military unit may lower your prices slightly.
• Drivers Ed for Students – Teen drivers should complete a driver education course in school or through a local driver safety program.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
• Auto/Life Discount – Select insurance carriers reward you with a small discount if you purchase a life insurance policy as well.

A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

The chart below shows the comparison of Ford Ranger insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, multi-policy, and safe-driver discounts applied.

If you would like to view insurers that provide some of the discounts listed above in Colorado, click here.

What insurance coverages do I need?

When it comes to choosing adequate coverage, there really isn’t a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that.
Here are some questions about coverages that may help you determine if you might need professional guidance.

• Can I make deliveries for my home business?
• Does my Ford Ranger need full coverage?
• Does coverage extend to Mexico or Canada?
• Which is better, split liability limits or combined limits?
• Why am I required to get a high-risk car insurance policy?
• How can I get my company to pay me more for my totaled car?
• What happens if I owe more than my Ford Ranger is worth?
• What is the difference between personal and commercial auto insurance policies?
• Am I missing any policy discounts?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Local Aurora auto insurance agents and auto insurance

Many people just prefer to buy from a licensed agent and that is a personal choice. Most agents are highly skilled in risk management and give you someone to call. A good thing about getting online price quotes is that you can find the lowest rates and still have a local agent. Putting coverage with local insurance agencies is definitely important in Aurora.

After completing this short form, your insurance data is emailed to local insurance agents who will gladly provide quotes for your business. You won’t need to search for an agent due to the fact that quote results will go immediately to you. If for some reason you want to get a comparison quote from a specific auto insurance provider, just jump over to their website and fill out their quote form.

If you need to find a reputable agency, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Aurora are classified as either independent agents or exclusive agents. Both types of agents can insure your vehicles, but it’s important to point out the difference in how they write coverage because it can factor into your agent selection.

Independent Auto Insurance Agents (or Brokers)

Agents of this type are appointed with more than one company and that allows them to write policies through many different auto insurance companies depending on which coverage is best. If premiums increase, they simply switch companies in-house which is easy for the insured.

If you are comparing auto insurance prices, you will want to include rate quotes from at a minimum one independent agency for the best price selection.

The following are Aurora independent insurance agents who may be able to give you free auto insurance rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents normally can only provide a single company’s rates and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are usually well trained on their company’s products which helps them compete with independent agents.

Below are Aurora exclusive agents willing to provide comparison quotes.

More insurance agents

Finding the right auto insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.

• By raising physical damage deductibles, how much would you save?
• Is coverage determined by price?
• Which companies do they recommend if they are an independent agency?
• What will you get paid if your car is a total loss? How is that amount determined?
• Are all drivers listed on the coverage quote?
• How many years of experience in personal auto insurance do they have?
• Will the company cover a rental car if your car is getting fixed?

Learn about auto insurance coverages for a Ford Ranger

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for hospital visits, pain medications, ambulance fees, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your Ranger resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible on your Ranger in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Ranger.

Since a lot of drivers only carry the minimum required liability limits (which is 25/50/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/15 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, structural damage and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible. Colorado state law requires minimum liability limits of 25/50/15 but drivers should carry higher limits.

The illustration below demonstrates why low liability limits may not be enough coverage.

Best auto insurance company in Colorado

Insuring your vehicle with a good quality company is difficult considering how many choices drivers have in Aurora. The company information listed below could help you decide which coverage providers to look at purchasing from.

Top 10 Aurora Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Nationwide
9. Safeco
10. Esurance

Top 10 Aurora Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Travelers

Quote. Compare. Save.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Some insurance providers do not offer the ability to get a quote online and usually these smaller companies work with independent agents. Discount Ford Ranger insurance can be bought both online in addition to local insurance agencies, so you should compare both to have the best selection.

Additional insurance information can be read on the following sites:

• Understanding Limits and Deductibles (Allstate)
• How Much are Auto Insurance Quotes for High Risk Drivers in Aurora? (FAQ)
• Vehicle Safety Ratings (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)