You have surely seen all the catchy advertisements from insurers like Farmers and The General that promise enormous savings. So drivers just need to pick one randomly, right?
Regrettably, it’s not quite that easy, as there are many unknown aspects such as your date of birth, the annual mileage you drive, the safety ratings of your vehicle, and how high your deductibles should be, that all go into determining the rate you pay. If you keep reading, we will teach you about the different ways you can keep rates low and should give you a good start in finding the cheapest car insurance in Aurora.
The car, truck, or SUV you are insuring is one of the largest factors when quoting low-priced car insurance for active military. Vehicles with high performance engines, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models. The information below estimates coverage prices for some of the more affordable vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,541 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,557 |
| Honda CR-V EX 4WD | $1,610 |
| Toyota RAV4 4WD | $1,645 |
| Chevrolet Equinox LT 2WD | $1,654 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,645 |
| Ford Escape Limited 4WD | $1,655 |
| Ford F-150 FX4 4WD | $1,677 |
| Dodge Grand Caravan CV | $1,703 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,708 |
| Toyota Camry XLE | $1,735 |
| Honda Odyssey EX | $1,767 |
| Chevrolet Impala LS | $1,812 |
| Ford Edge SE AWD | $1,821 |
| Ford Focus SE 4-Dr Sedan | $1,812 |
| Ford Explorer Eddie Bauer AWD | $1,836 |
| Chevrolet Malibu LS | $1,855 |
| Toyota Tacoma Double Cab 4WD | $1,864 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,887 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,916 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can raise or lower premium rates considerably.
Looking at the data, we can conclude that makes and models like the Toyota Prius, Jeep Wrangler, and Honda CR-V are likely to be a few of the most affordable vehicles to insure for military personnel.
Finding out which company quotes the most affordable auto insurance rates for active military involves a bit more effort than just getting one or two price quotes.
Every insurance provider uses their own method for determining rates, so we need to take a look at the most competitive auto insurance companies in Aurora. Keep in mind that Aurora auto insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply turning a year older, buying higher coverage limits, or getting caught speeding may prompt premium changes that can cause some rates to be cheaper than before.
Cheap Insurance Rates for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $834 |
| 2 | Grange | $978 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,143 |
| 5 | Auto-Owners | $1,156 |
| 6 | GEICO | $1,176 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,222 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,340 |
| 12 | Allied | $1,453 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,866 |
| 17 | Allstate | $2,076 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,657 |
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The Hartford may offer some of the cheapest car insurance rates in Aurora at around $834 annually. This is $744 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also qualify as some of the cheaper Aurora, CO auto insurance companies.
As illustrated above, if you are a policyholder with USAA and switched to The Hartford, you could see savings of in the vicinity of $205. Policyholders with Nationwide could save as much as $309 a year, and Auto-Owners policyholders might reduce rates by $322 a year.
It’s important to note that these policy prices are averaged across all drivers and vehicles and and are not calculated with an exact vehicle garaging location for active military. So the insurer that is best suited for you may not even be in the list above. That’s why you need to get quotes using your own individual information.
For military personnel, one of the more important factors that aid in calculating car insurance rates is where you keep your car. More densely populated places will most likely have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.
The table below shows the most costly cities in Colorado for active military to buy auto insurance in. Aurora ranks #3 having an annual price of $1,361 for the average policyholder, which is approximately $113 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Denver | $1,439 |
| 3 | Aurora | $1,361 |
| 4 | Northglenn | $1,342 |
| 5 | Lakewood | $1,324 |
| 6 | Colorado Springs | $1,316 |
| 7 | Commerce City | $1,314 |
| 8 | Arvada | $1,308 |
| 9 | Thornton | $1,307 |
| 10 | Security-Widefield | $1,304 |
| 11 | Westminster | $1,284 |
| 12 | Ken Caryl | $1,274 |
| 13 | Littleton | $1,267 |
| 14 | Centennial | $1,265 |
| 15 | Castle Rock | $1,248 |
| 16 | Brighton | $1,235 |
| 17 | Highlands Ranch | $1,229 |
| 18 | Parker | $1,220 |
| 19 | Broomfield | $1,167 |
| 20 | Boulder | $1,159 |
| 21 | Longmont | $1,133 |
| 22 | Grand Junction | $1,132 |
| 23 | Greeley | $1,110 |
| 24 | Fort Collins | $1,089 |
| 25 | Loveland | $1,063 |
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Annual rates are comparative as zip code location can influence price quotes substantially.
Safe drivers pay less for auto insurance
The obvious way to get affordable auto insurance prices in Aurora for military personnel is to drive carefully and maintain a clean driving record. The example below highlights how speeding tickets and accident claims can influence premium costs for different age categories. The rates are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance in Aurora per year with no accidents and a clean driving record is $1,903. Receive two speeding tickets and the average cost rises to $2,535, an increase of $633 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for active military goes up to an average of $5,164. That’s an increase of $3,261, or $272 per month, just for not keeping your driving record clean!
Discount Aurora car insurance rates
Insurers that provide coverage for active military could also offer special discounts that could potentially reduce rates by as much as 35% if you meet the requirements. A few popular companies and a partial list of their discounts are shown below.
- State Farm offers discounts for Steer Clear safe driver discount, anti-theft, accident-free, multiple autos, driver’s education, and safe vehicle.
- Farmers Insurance may include discounts for mature driver, distant student, bundle discounts, early shopping, and pay in full.
- GEICO has discounts for air bags, five-year accident-free, membership and employees, multi-policy, and defensive driver.
- American Family includes discounts for multi-vehicle, good student, Steer into Savings, accident-free, and TimeAway discount.
- Nationwide may offer discounts for accident-free, good student, easy pay, business or organization, anti-theft, family plan, and defensive driving.
- Progressive has savings for continuous coverage, online quote discount, online signing, multi-policy, good student, multi-vehicle, and homeowner.
The information below illustrates the comparison of insurance costs with and without discounts applied. The data is based on a female 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 the average rate with no discounts. The second shows the rates with safe-driver, marriage, claim-free, vehicle safety, defensive driving course, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for active military is 28% or $653.
Why you should compare rates
Aurora auto insurance rates are impacted by many factors that control the price you pay for coverage. Simply improving your credit, buying another vehicle, or getting a ticket for running a stop sign may generate price changes that can now make some companies affordable when they were higher priced.
Not only may your situation change, but insurance companies change their prices as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in a rate increase, while lower claims can cause cheaper Aurora car insurance rates.
As an example, the data below shows which companies have the cheapest car insurance in Aurora, CO for a 35-year-old female driver with a clear driving record, no claims, and solid credit. If we compare prices based on her current rating profile, The Hartford might offer the most affordable car insurance rates in Aurora at $1,130 each year. This is $448 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are the rest of the best Aurora, CO auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a claim or two, a lower credit score, and a few blemishes on her driving record. Because each insurer has a proprietary formula for establishing rates, getting updated rate quotes could result in a completely different list of companies as shown below.
Travelers now has the best insurance rate in Aurora with State Farm, American Family, Amica, and Progressive now being in the top five. This example shows why it is important to take the time to shop around to get the lowest car insurance rates for active military.
Prices are influenced by many factors and change dramatically, so the most economical company two years ago may now be quite expensive.