If you want to save the most money, the best way to get more affordable auto insurance rates is to regularly compare prices from insurers who can sell car insurance in Aurora.
Step 1: Get a basic knowledge of what is in your policy and the modifications you can make to drop your rates. Many rating factors that drive up the price such as getting speeding tickets and a poor credit score can be improved by making small lifestyle or driving habit changes.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies.
Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in Aurora. If you find a better price, verify that coverage does not lapse between policies.
Step 4: Tell your current company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application to your new carrier. Once the paperwork is finalized, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One thing to point out is that you use identical deductibles and limits on each quote and and to get quotes from as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and the best price quote selection.
Smart shoppers know that car insurance companies don’t want their policyholders to compare prices. Drivers who shop around for better prices are highly likely to switch companies because there are good odds of finding coverage at a cheaper rate. Remarkably, a study showed that consumers who regularly shopped around saved $865 a year compared to other drivers who never compared rates.
If saving money on car insurance in Aurora is your goal, then having a grasp of how to shop for car insurance can help you succeed in finding affordable rates.
If you already have coverage, you will surely be able to shop for the lowest rates using this strategy. Obtaining price quotes for affordable policy in Aurora is not as difficult as people think. But Colorado vehicle owners must comprehend how insurance companies determine prices and take advantage of how the system works.
All the larger car insurance companies make it easy to get prices online. Doing online price comparisons for Mercury Mountaineer insurance in Aurora doesn’t take a lot of time as you just type in your required coverages into a form. After you complete the form, their rating system orders your driving and credit reports and generates a price based on many factors.
Quoting online for Mercury Mountaineer insurance in Aurora makes comparing rates easy, and it is imperative to compare as many rates as possible in order to find cheap car insurance pricing.
If you want to find out if lower rates are available, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you enter the limits and deductibles as close as possible to your current policy. Doing this guarantees you will get rate quotes for similar insurance coverage.
The following companies are ready to provide comparison quotes in Aurora, CO. To buy the best car insurance in Aurora, CO, we suggest you get price quotes from several of them to find the cheapest auto insurance rates.
Lower-cost Mercury Mountaineer insurance in Aurora
The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be manually applied prior to getting the savings.
- Low Miles Discount – Fewer annual miles on your Mercury may allow you to get better premium rates on cars that stay parked.
- Policy Bundle Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
- Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- Good Students Pay Less – Performing well in school may save as much as 25% on a Aurora car insurance quote. You can use this discount normally up until you turn 25.
- Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
- Data Collection Discounts – Policyholders that allow their insurance company to spy on vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
- Accident Forgiveness – This one is not really a discount per se, but some companies like Liberty Mutual and GEICO permit an accident before your rates go up as long as you don’t have any claims prior to the accident.
- Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on Mountaineer insurance in Aurora.
- Defensive Driver Discount – Passing a defensive driving course could save 5% or more and make you a better driver.
Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free car insurance policy, companies don’t profit that way. Any qualifying discounts will definitely lower the premium cost.
The chart below shows the comparison of Mercury Mountaineer insurance costs with and without discounts applied. Data assumes a female driver, no violations or claims, Colorado state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, multi-car, and homeowner discounts applied.
Auto insurance companies who may offer some of the above discounts are:
If you are trying to find the cheapest Mercury Mountaineer rate quotes, ask each company what discounts are available to you. Depending on the company, some discounts might not be offered in Aurora. To find companies who offer free Mercury Mountaineer insurance quotes in Aurora, follow this link.
Mercury Mountaineer detailed coverage information
The premium table displayed below covers a range of insurance policy prices for Mercury Mountaineer models. Having a good grasp of how prices are figured can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $130 | $244 | $338 | $20 | $100 | $832 | $69 |
| Mountaineer AWD | $148 | $244 | $338 | $20 | $100 | $850 | $71 |
| Mountaineer Premier 2WD | $148 | $288 | $338 | $20 | $100 | $894 | $75 |
| Mountaineer Premier AWD | $148 | $288 | $338 | $20 | $100 | $894 | $75 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific zip code location which can influence rates considerably.
Policy deductible comparison
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates shown below may help you to understand the differences in premium rates between high and low insurance deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $272 | $458 | $352 | $20 | $106 | $1,233 | $103 |
| Mountaineer AWD | $306 | $458 | $352 | $20 | $106 | $1,267 | $106 |
| Mountaineer Premier 2WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Mountaineer Premier AWD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Mountaineer AWD | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| Mountaineer Premier 2WD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Mountaineer Premier AWD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in specific Aurora garaging location which can decrease or increase auto insurance rates substantially.
Based on these figures, using a $250 deductible costs approximately $26 more each month or $312 each year across all Mercury Mountaineer models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 29 months between claim filings, you would probably save some money if you decide on a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
An important sidenote is that a higher deductible level results in more money out-of-pocket at claim time. You need to have enough savings in order to pay more to get your vehicle repaired.
The chart below demonstrates how deductible levels and can change Mercury Mountaineer insurance costs for different insured age categories. The premiums are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The diagram below shows the comparison of Mercury Mountaineer premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
When to stop paying for full coverage
There isn’t a written rule to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Mercury Mountaineer replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying the physical damage deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where only buying liability is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
Lower Your Aurora Insurance Premiums
Smart consumers have a good feel for some of the things that aid in calculating insurance rates. When you understand what determines premiums, this enables informed choices that could result in lower premium levels.
Know your credit score – Having a bad credit history factor in calculating your premium rate. If your credit could use some work, you could save money insuring your Mercury Mountaineer by improving your rating. Consumers who have excellent credit tend to file fewer claims than drivers with poor credit scores.
Deter theft and pay less – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.
Age of drivers impacts costs – Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit. Youthful drivers tend to be more careless when at the wheel of a vehicle therefore insurance rates are much higher.
The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Your occupation may affect rates – Did you know that where you work can have an impact on rates? Occupations such as military generals, architects, and dentists usually pay the highest rates attributed to high stress levels and long work days. Conversely, jobs such as scientists, historians and retirees receive lower rates.
City traffic equals higher premiums – Residing in less populated areas of the country is a positive aspect when shopping for auto insurance. People who live in big cities regularly have more auto accidents and higher rates of accident claims. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
Extra policy coverages you don’t need – There are a ton of add-on coverages that can add up on your Mountaineer policy. Things like coverage for rental cars, accident forgiveness, and extra equipment coverage could be just wasting money. They may seem good at first, but your needs may have changed so remove them from your policy.
Guys pay more for car insurance – Over the last 50 years, statistics have shown that women are safer drivers than men. However, don’t assume that men are worse drivers. Males and females have auto accidents at a similar rate, but the men cause more damage. Men also get ticketed for serious violations like driving under the influence (DUI). Young males generally have the highest accident percentage so it costs more to insure them.
The information below shows the difference between Mercury Mountaineer annual premium costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
You may require the services of a local insurance agent
Many drivers would prefer to buy from a licensed agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is you can get cheap rate quotes but still work with a licensed agent.
After completing this form (opens in new window), your coverage information is transmitted to local insurance agents in Aurora that can provide free Aurora car insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent straight to your inbox. You can get cheaper car insurance rates and work with a local agent. If you need to compare rates from a particular provider, just navigate to their website and submit a quote form there.
Picking an insurance company should depend on more than just a cheap quote. A good agent in Aurora will have answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- Do they assist clients in filing claims?
- If your car is totaled, how to they determine the replacement cost?
- Is the agency covered by Errors and Omissions coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
Best auto insurance agent in Aurora
If you need to find a local Aurora insurance agent, it helps to know the two types of insurance agents that you can select. Car insurance agencies can be described as either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agencies
Agents in the exclusive channel have only one company to place business with such as Allstate and State Farm. These agents are not able to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Consumers sometimes use the same exclusive agent partially due to the brand name rather than low price.
The following are Aurora exclusive insurance agents who may provide you with price quote information.
- Allstate Insurance: Danielle Shannon Agency
6820 S Liverpool St d – Aurora, CO 80016 – (303) 676-8071 – View Map - GEICO Insurance Agent
1140 S Abilene St – Aurora, CO 80012 – (303) 798-3939 – View Map - Scott Underwood State Farm Insurance
15322 E Alameda Pkwy #25 – Aurora, CO 80017 – (303) 745-3174 – View Map
Independent Car Insurance Agents
Agents in the independent channel are not employed by any specific company so they can write business with lots of companies and find you cheaper rates. If your premiums go up, your agent can switch companies and the insured can keep the same agent. If you are comparing rate quotes, you should always compare quotes from multiple independent agents for maximum quote selection. Most have the option of insuring with small mutual carriers which may provide better rates.
Listed below are Aurora independent insurance agents that can give you price quote information.
- L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map - BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map - A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map
Will just any policy work for me?
Always remember that when buying the best insurance coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
These are some specific questions might point out if you will benefit from professional help.
- Can my babysitter drive my car?
- What is GAP insurance?
- If my Mercury Mountaineer is totaled, can I afford another vehicle?
- What companies insure drivers after a DUI or DWI?
- When do I need to add a new car to my policy?
- Is my state a no-fault state?
- What does roadside assistance cover?
- Does my policy cover me if I wreck while driving under the influence?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about 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.
Colorado car insurance company ratings
Buying coverage from the highest-rated insurance company can be rather challenging considering how many different companies sell coverage in Aurora. The ranking information shown next can help you analyze which providers to look at when comparing rate quotes.
Top 10 Aurora Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- The General
Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
What is YOUR best insurance company?
We covered many ways to shop for Mercury Mountaineer insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates come from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive or GEICO.
Lower-priced Mercury Mountaineer insurance in Aurora can be sourced from both online companies as well as from independent agents in Aurora, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not offer online quoting and these smaller providers prefer to sell through independent agencies.
As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.
More detailed auto insurance information is located in the articles below:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has the Cheapest Auto Insurance Quotes for Uber Drivers in Aurora? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Requiring a SR22 in Aurora? (FAQ)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Aurora? (FAQ)
- Who Has Cheap Car Insurance Rates for a Chevrolet Silverado in Aurora? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Insurance Losses by Make and Model (iihs.org)