The words “cheap” and “insurance” probably shouldn’t be used together, especially when comparison shopping for the best car insurance with multiple speeding tickets. Because it’s so expensive, let’s learn about some situations that influence insurance rates, and see if you can shave a little off the next policy you buy.
Figuring out which companies offer the most affordable insurance rates with multiple speeding tickets will involve a bit more effort than just getting one or two price quotes.
Every insurance company has a proprietary method to set premium rates, so we need to take a look at the lowest cost insurance companies in Aurora. It’s important that you understand Aurora insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Getting older, increasing liability limits, or having an accident may generate price changes resulting in some companies being cheaper than competitors.
Best Auto Insurance Prices with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $949 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,121 |
| 5 | Auto-Owners | $1,168 |
| 6 | GEICO | $1,187 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,209 |
| 9 | American Family | $1,301 |
| 10 | Progressive | $1,362 |
| 11 | Amica | $1,394 |
| 12 | Allied | $1,439 |
| 13 | California Casualty | $1,458 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,253 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,738 |
| Quote Your Rates Go | ||
The Hartford has some of the lowest car insurance rates in Aurora at around $850 a year. This is $728 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners would also be considered some of the most economical Aurora, CO auto insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to Grange, you may realize a yearly savings of in the neighborhood of $172. Drivers with Auto-Owners might save as much as $219 a year, and GEICO policyholders might see rate reductions of $238 a year.
To get a fast rate comparison, click here to get a free quote or click through to the companies below.
Be aware that those policy prices are averages across all drivers and vehicles and are not factoring in an exact location with multiple speeding tickets. So the auto insurance company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.
One of the more important things that help determine the cost of insurance is where you live in Aurora. Cities with larger populations or higher claim trends tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The illustration below sorts the most expensive cities in Colorado with multiple speeding tickets to buy auto insurance in. Aurora is listed at #1 having an annual price of $1,403 for the average policy, which is about $117 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Aurora | $1,403 |
| 2 | Pueblo | $1,397 |
| 3 | Denver | $1,397 |
| 4 | Lakewood | $1,378 |
| 5 | Commerce City | $1,354 |
| 6 | Colorado Springs | $1,316 |
| 7 | Thornton | $1,307 |
| 8 | Littleton | $1,306 |
| 9 | Northglenn | $1,303 |
| 10 | Security-Widefield | $1,291 |
| 11 | Ken Caryl | $1,287 |
| 12 | Brighton | $1,285 |
| 13 | Centennial | $1,278 |
| 14 | Highlands Ranch | $1,267 |
| 15 | Arvada | $1,256 |
| 16 | Westminster | $1,234 |
| 17 | Parker | $1,220 |
| 18 | Castle Rock | $1,211 |
| 19 | Boulder | $1,195 |
| 20 | Longmont | $1,179 |
| 21 | Broomfield | $1,179 |
| 22 | Greeley | $1,144 |
| 23 | Grand Junction | $1,132 |
| 24 | Fort Collins | $1,067 |
| 25 | Loveland | $1,063 |
| Start a Quote Go | ||
Price information shown is comparative as the specific Aurora residence address can affect premium rates significantly.
The illustration below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance with multiple speeding tickets. The data is based on a married male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 50-year-old driver could reduce rates by $244 a year by changing from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save up to $814 annually by choosing a larger deductible amount.
When raising deductibles, it’s a good idea to have enough in a savings account to pay the extra out-of-pocket expense associated with higher deductibles.
Get discounts on Aurora insurance
Insurance providers that sell policies with multiple speeding tickets may provide premium discounts that could reduce prices by as much as 30% if you are eligible to receive them. Larger insurance companies and their offered discounts are included below.
- Farmers Insurance policyholders can earn discounts including homeowner, distant student, alternative fuel, electronic funds transfer, mature driver, good student, and switch companies.
- Esurance may include discounts for Switch & Save, online quote, multi-car, homeowner, renters, and safety device.
- State Farm may offer discounts for anti-theft, safe vehicle, Drive Safe & Save, passive restraint, Steer Clear safe driver discount, defensive driving training, and multiple policy.
- GEICO has savings for driver training, federal employee, multi-policy, anti-lock brakes, and five-year accident-free.
- Allstate includes discounts for anti-lock brakes, 55 and retired, senior citizen, safe driver, and new car.
The illustration below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, three citations and no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, paperless filing, continuous coverage, paid-in-full, passive restraint, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance with multiple speeding tickets is 28% or $929.
Full coverage versus liability-only in Aurora
Paying less for insurance is probably important to most drivers, and a good way to pay lower rates for insurance with multiple speeding tickets is to only pay for liability coverage. The example below shows the difference between auto insurance rates with full coverage compared to only the Colorado minimum liability coverage. The data is based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
If all age groups are averaged, physical damage coverage costs an additional $2,696 per year more than just buying liability insurance. That may make you wonder if you should buy full coverage at all. There is no exact formula for eliminating comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
How to find low-cost car insurance with multiple speeding tickets
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help drivers get more affordable auto insurance.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Improve your credit
- Do not pay for full coverage if not needed
- Increase your deductibles
- At-fault accidents will increase rates
- Buy a vehicle with excellent safety ratings
- Compare rate quotes frequently
The last tip in the list is certainly significant, as we hit on in this article. Auto insurance rates adjust often, so don’t hesitate to switch to a new company if you can save money.
Brand loyalty is great, but we do not recommend it if your bullheadedness ends up costing you a wad of cash every year. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance with multiple speeding tickets in Aurora.
The Aurora car insurance agencies listed below are willing to aid you in deciding which auto insurance policy would work best for you, since many people would rather have some professional guidance when trying to find lower insurance rates after a few driving violations. It can be complicated to find the cheapest car insurance policy, and professional agents can give satisfaction knowing you have adequate protection. To locate an agency close to where you live, click the button at the bottom of the list or click here to compare price quotes now.
- Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 – Aurora, CO 80011 – (303) 366-6800 - A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 - Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104 – Aurora, CO 80014 – (303) 755-3220