The words “bargain” and “auto insurance” really shouldn’t be used together, especially when searching for the best coverage prices for state employees. Let’s get started by showing you some of the factors the can have a considerable influence on auto insurance rates, and come up with some ways to slash the price of your next policy.
The make and model of vehicle you are trying to insure is a large consideration when comparison shopping for the lowest-priced insurance for state employees. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.
The data below illustrates coverage premiums for a handful of the most budget-friendly automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,519 |
| Ford Escape XLT 2WD | $1,527 |
| Dodge Grand Caravan CV | $1,556 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,567 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,631 |
| Toyota RAV4 Limited 2WD | $1,644 |
| Ford Edge SE 2WD | $1,665 |
| Ford Explorer Limited AWD | $1,676 |
| Toyota Prius | $1,737 |
| Ford Fusion SEL 4-Dr Sedan | $1,766 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,798 |
| Chevrolet Malibu LS | $1,801 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,835 |
| Compare Cheap Rates Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in your specific Aurora, CO location which can modify price quotes significantly.
Looking at the rates, makes and models like the Honda CR-V, Ford Escape, Dodge Grand Caravan, and Jeep Wrangler are going to be a few of the most economical vehicles to insure for state workers.
Finding dependable, low-cost auto insurance is challenging, and determining which company quotes the lowest-priced insurance rates for state employees involves more quotes for comparison.
Every insurance provider has a different process for filing rates in each state, so let’s begin by examining the insurance companies that tend to be cheaper in Aurora, CO. It’s important to understand that Colorado insurance rates are determined by lots of factors which can substantially change the policy premium. This price fluctuation is why Colorado drivers need to compare many different companies to find the most affordable car insurance rates for state employees. Rates are influenced by many factors and change substantially, so the cheapest company when you last compared rates may now be quite expensive.
Best Insurance Companies in Colorado
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $834 |
| 2 | Grange | $978 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,143 |
| 5 | GEICO | $1,176 |
| 6 | Auto-Owners | $1,204 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,376 |
| 11 | Amica | $1,394 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,483 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,885 |
| 17 | Allstate | $2,055 |
| 18 | Encompass | $2,231 |
| 19 | Safeco | $2,547 |
| 20 | Titan | $2,738 |
| Find Cheaper Rates Go | ||
The Hartford normally has some of the most affordable car insurance rates in Aurora at around $834 a year. This is $744 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also rank well as some of the most economical Aurora, CO insurance companies.
As shown in the rates above, if you currently have coverage with Nationwide and switched to Grange, you could see a yearly price reduction of approximately $165. Colorado drivers with GEICO could save as much as $198 a year, and Auto-Owners policyholders might reduce rates by $226 a year.
Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for state employees. So the insurer that can offer you the best price may not even be in the top 21 companies shown above. That is why you need to get car insurance quotes using your own personal information and vehicle type.
Impact of citations and accidents on Aurora insurance rates
The best way to snag the best insurance premiums in Colorado for state workers is to pay attention while driving and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault collisions can drive up insurance rates for each different age group. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Colorado per year with no accidents or violations is $2,341. Factor in two speeding tickets and the average cost jumps to $3,245, an increase of $904 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for state employees goes up to an average of $4,158. That’s an increase of $1,817, or $151 per month, just for being a little careless behind the wheel!
Discounts on Aurora car insurance rates
Insurers that offer coverage for state employees may provide policy discounts that could potentially reduce rates by as much as 35% or more if you can meet the requirements. Larger insurance companies and the discounts they provide can be read below.
- State Farm may have discounts that include safe vehicle, defensive driving training, accident-free, passive restraint, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.
- GEICO offers discounts including daytime running lights, seat belt use, driver training, air bags, military active duty, five-year accident-free, and federal employee.
- SAFECO policyholders can earn discounts including anti-theft, anti-lock brakes, multi-car, bundle discounts, and accident prevention training.
- Farmers Insurance offers premium reductions for alternative fuel, good student, teen driver, business and professional, and multi-car.
- AAA has discounts for education and occupation, good student, multi-policy, anti-theft, and pay-in-full.
- USAA may include discounts for new vehicle, family discount, loyalty savings, driver training, good student, defensive driver, and military installation.
The information below shows the difference between premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, passive restraint, multiple policy, accident-free, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for state employees is 28% or $562.
Why you should be shopping around
Aurora insurance rates are based on many factors that can increase the price of your policy. Simply getting older, moving across town, or having a fender bender can trigger changes in premium that may make certain companies affordable when they were higher priced.
Not only that, but insurers change rates without warning to ensure their profitability. An extended period of higher than normal claims may result in higher rates, while profitable underwriting can produce lower-cost Aurora car insurance rates.
For example, the graph below shows the company with the cheapest car insurance in Aurora, CO for a 35-year-old male driver with a clear driving record, no claims, and a good credit history. When quoting prices based on his personal profile, The Hartford might offer the best car insurance rates in Aurora at $1,129 per year. This is $449 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are also included in the cheapest Aurora, CO auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison an accident surcharge, a lower credit score, and a couple of points charged on his driving record. Since every car insurance company has a different formula to establish rates, comparing prices may now present a different set of affordable Aurora car insurance companies as shown below.
Travelers now has the cheapest price in Aurora, CO with State Farm, Grange, American Family, and Amica also having competitive pricing. This example illustrates why drivers need to shop around when trying to get the lowest insurance quotes for state employees. Auto insurance prices are calculated by many factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.
If you like to have some advice when shopping for cheaper insurance for state employees, the professional agents shown below can aid you in deciding which is the best policy. To find an Aurora insurance agent closest to you, click the button at the bottom of the list.
Allstate Insurance: Bernard Demichelis
15062 E Mississippi Ave – Aurora, CO 80012 – (303) 750-5555
Allstate Insurance: Roger Francis
18757 E Hampden Ave Ste 154 – Aurora, CO 80013 – (303) 792-3460
American Family Insurance – Denise M. Franklyn
13768 E Quincy Ave – Aurora, CO 80015 – (303) 693-8968
Wayne Johnson – State Farm Insurance Agent
12201 E Mississippi Ave #105 – Aurora, CO 80012 – (303) 695-6262
More Aurora, CO insurance agents
How to find economical auto insurance for state employees
Below you’ll find a few penny-pinching solutions that can help you locate cheap coverage.
- Violations like speeding or DUI increase rates
- The safer your car, the less it costs to insure
- Increase deductibles to save money
- Drive attentively and avoid accidents
- Good credit can mean cheaper rates
- Look for cheaper rates once a year by shopping around
The last idea is remarkably significant, as we stressed in this write-up. Coverage rates can change considerably based on profitability, so don’t be hesitant to change to a new company if you find a cheaper price. Having a favorite company is fine, but it isn’t a good idea if that devotion results in you overpaying a lot of money. In just a few minutes you could shop around to find cheaper auto insurance for state employees in Aurora.