If your goal is the lowest price, then the best way to get discount car insurance rates in Aurora is to start comparing prices regularly from companies in Colorado.
First, get an understanding of auto insurance and the things you can control to prevent high rates. Many risk factors that cause rate increases like traffic citations and poor credit can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover ideas to find cheap rates and find missing discounts.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
Third, compare the new rates to the price on your current policy and see if there is a cheaper rate in Aurora. If you can save money and change companies, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company of your intention to cancel your current policy. Submit payment and a completed application to the new company. As soon as you receive it, put the certificate of insurance in your glove compartment.
A valuable tip to remember is to make sure you enter the same coverage limits and deductibles on every quote request and and to get price quotes from every insurance company. Doing this enables a fair price comparison and plenty of rates choose from.
Smart shoppers know that auto insurance companies don’t want customers comparing rates. Insureds who get comparison quotes once a year will most likely switch to a new company because there is a good chance of finding a more affordable policy premium. Remarkably, a study showed that people who regularly shopped around saved approximately $70 a month compared to policyholders who never shopped around for better prices.
If finding budget-friendly Scion xD insurance is why you’re here, knowing the best ways to shop for auto insurance can save time and money.
The easiest way to compare rate quotes for Scion xD insurance in Aurora is to take advantage of the fact auto insurance companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is give the companies some data like how much school you completed, if you have a valid license, how you use your vehicles, and the make and model of your vehicles. That rating information gets sent immediately to insurance carriers in your area and they respond with quotes instantly.
If you would like to start a quote now, click here and complete the form.
The companies shown below can provide price quotes in Aurora, CO. If you want the cheapest car insurance in Aurora, CO, we recommend you visit two to three different companies to find the most affordable car insurance rates.
Three main reasons to buy insurance
Despite the high insurance cost for a Scion xD in Aurora, insurance is not optional due to several reasons.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance in order to be legal. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your vehicle, most lenders will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Scion for a much higher rate and require you to reimburse them for it.
- Insurance preserves your Scion and your assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If your Scion gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. As of last year, the average driver in Colorado overpays more than $865 each year so you should quote and compare rates at every renewal to save money.
Scion xD insurance statistics and information
The table displayed below covers different rate quotes for Scion xD models. Learning how prices are established is important for drivers to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $126 | $296 | $396 | $24 | $118 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in garaging location in Aurora which can affect insurance rates considerably.
Choosing deductibles
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The rates below outline how much more rates are when you choose different policy deductibles. The first price estimate table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $264 | $546 | $352 | $20 | $106 | $1,313 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $146 | $288 | $352 | $20 | $106 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle location which can decrease or increase insurance rates substantially.
We can estimate from the data above that using a $100 deductible will cost you approximately $33 more each month or $396 annually than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 27 months between claim filings, you would come out ahead going with the higher deductible. Here is an example of how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $76 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
One important issue to know is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket at claim time. That will require some funds available in the event you need to pay the deductible.
The example below highlights how deductible selection and can change Scion xD yearly insurance costs for different age categories. Data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
Insurance rate increases from tickets or accidents
The example below highlights how traffic violations and accident claims raise Scion xD yearly insurance costs for different age groups. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Affordable Scion xD insurance in Aurora
Some insurers don’t always list every discount they offer very well, so the next list breaks down a few of the more common and the harder-to-find credits available to lower your premiums when you buy Aurora car insurance online. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.
- Discount for New Cars – Putting car insurance coverage on a new xD can be considerably cheaper because new vehicles keep occupants safer.
- First Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual permit an accident without getting socked with a rate hike if you have no claims for a certain period of time.
- Discounts for Multiple Vehicles – Buying a policy with more than one vehicle with the same company can reduce the rates for all insured vehicles.
- Aurora Homeowners Discount – Being a homeowner can save you money because maintaining a house requires personal responsibility.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
- Onboard Data Collection – Insureds that choose to allow their company to analyze their driving habits by using a telematics device such as State Farm’s In-Drive could see a rate decrease if they are good drivers.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
- Online Discount – Certain larger companies give back up to $50 for signing up on the internet.
- Multi-policy Discount – When you have multiple policies with one insurance company they may give you a discount of 10% to 20% off each policy.
Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.
The chart below shows the comparison of Scion xD auto insurance rates with and without discounts applied to the rates. The data assumes a male driver, no claims, a clean driving record, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.
To choose insurance companies with significant discounts in Colorado, click here.
Local Aurora car insurance agents
Many people still prefer to get professional advice from a licensed agent and doing that can be a smart decision One of the great benefits of getting online price quotes is the fact that you can find lower rates and still choose a local agent.
After filling out this quick form, your insurance coverage information is sent to local insurance agents in Aurora that can give you free Aurora car insurance quotes for your coverage. You won’t need to do any legwork because prices are sent directly to you. You’ll get the best rates and a licensed agent to work with. If you wish to get a price quote from a specific insurance company, you can always jump over to their website and fill out the quote form the provide.
Finding the right insurance company should include more criteria than just the quoted price. Here are some questions to ask:
- Which company do they place the most coverage with?
- What kind of financial rating does the company have?
- How much can you save by raising your physical damage deductibles?
- Are they able to influence company decisions when a claim is filed?
- How does the company pay claims for a total loss?
- How are they compensated?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
When searching for a reliable agent, you should know the different agency structures and how they differ in how they quote coverages. Auto insurance agencies are either independent agents or exclusive agents.
Exclusive Agencies
Exclusive agencies can usually just insure with one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are trained well on what they offer which can be an advantage.
Listed below is a short list of exclusive insurance agencies in Aurora that can give you price quotes.
Mike Gibbs – State Farm Insurance Agent
3140 S Parker Rd #2 – Aurora, CO 80014 – (303) 699-2800 – View Map
Denise Smith – State Farm Insurance
1278 S Chambers Rd – Aurora, CO 80017 – (303) 343-3515 – View Map
John Baer – State Farm Insurance Agent
6155 S Main St #240 – Aurora, CO 80016 – (303) 680-7777 – View Map
Independent Agencies or Brokers
These type of agents are appointed with more than one company so they can insure your vehicles through many companies and find the cheapest auto insurance rates. If prices rise, your policy is moved internally and you stay with the same agent.
If you need lower rates, we recommend you compare prices from at least one independent agent to have the most options to choose from.
Listed below are Aurora independent insurance agencies willing to provide rate quotes.
L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map
Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map
After talking to the agent and getting satisfactory answers to any questions you have as well as an affordable premium quote, most likely you have located an insurance agency that is a good match to insure your vehicles. But keep in mind once you purchase a policy you can cancel a policy whenever you want so never feel you’re contractually obligated to any specific company for the entire policy term.
When in doubt talk to an agent
When buying your policy for your personal vehicles, there really is not a perfect coverage plan. Every situation is different and your insurance should be unique as well.
For example, these questions might point out whether you could use an agent’s help.
- If my pet gets injured in an accident are they covered?
- When should I have rental car coverage?
- Can I insure my car for more than it’s worth?
- Why am I required to get a high-risk car insurance policy?
- Can I get a multi-policy discount?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When should I remove comp and collision on my Scion xD?
- Do I need an umbrella policy?
- Does my policy cover me when driving someone else’s vehicle?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Frequent quotes can save
Cheap Scion xD insurance in Aurora can be found from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and most of the time these small, regional companies only sell coverage through independent insurance agencies.
In this article, we covered many ways to compare Scion xD insurance auto insurance rates in Aurora. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding low cost Aurora car insurance quotes. You may even discover the lowest priced car insurance comes from a small mutual company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
To read more, link through to the resources below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Hyundai Sonata in Aurora? (FAQ)
- Who Has the Cheapest Aurora Auto Insurance Quotes for Teenage Females? (FAQ)
- What Insurance is Cheapest for a Chevrolet Traverse in Aurora? (FAQ)
- Who Has Affordable Car Insurance Rates for Teachers in Aurora? (FAQ)
- How Much are Auto Insurance Rates for Business Use in Aurora? (FAQ)
- Who Has Cheap Auto Insurance for State Employees in Aurora? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Senior Drivers (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)