If you want to save the most money, the best way to find low-cost prices for car insurance rates is to make a habit of comparing prices annually from different companies that insure vehicles in Aurora.
First, read and learn about what coverages are included in your policy and the steps you can take to keep rates in check. Many rating factors that result in higher rates like at-fault accidents and a substandard credit history can be improved by being financially responsible and driving safely.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the price quotes to your existing rates to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
A crucial key to this process is to make sure you enter the same deductibles and limits on every quote request and and to compare every insurance company. This provides an accurate price comparison and a thorough price selection.
Inconceivable but true, over 70% of consumers kept their coverage with the same car insurance company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Drivers in the U.S. could save $859 every year just by shopping around, but they don’t invest the time required to compare rate quotes online.
If you currently have car insurance, you will definitely be able to save money using these tips. Comparing quotes for the lowest cost car insurance coverage in Aurora is not as confusing as people think. But Colorado car owners must understand how big insurance companies determine what you pay because it varies considerably.
Cheapest Chrysler insurance prices in Aurora
The companies in the list below are ready to provide comparison quotes in Colorado. If you want cheap car insurance in CO, it’s highly recommended you visit two to three different companies to get the best price comparison.
Chrysler Sebring insurance charts and tables
The information displayed below outlines a range of insurance policy prices for Chrysler Sebring models. Being more informed about how rate quotes are formulated can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $172 | $370 | $338 | $20 | $100 | $1,000 | $83 |
| Sebring Limited 4-Dr Sedan | $172 | $370 | $338 | $20 | $100 | $1,000 | $83 |
| Sebring LX 2-Dr Convertible | $194 | $370 | $338 | $20 | $100 | $1,022 | $85 |
| Sebring Touring 2-Dr Convertible | $194 | $370 | $338 | $20 | $100 | $1,022 | $85 |
| Sebring Limited 2-Dr Convertible | $216 | $426 | $338 | $20 | $100 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific location information which can affect rates substantially.
An analysis of deductible level
One of the most common auto insurance questions is which deductibles should you choose. The comparisons below approximate the differences in price when you buy lower versus higher insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| Sebring Limited 4-Dr Sedan | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| Sebring LX 2-Dr Convertible | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Sebring Touring 2-Dr Convertible | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Sebring Limited 2-Dr Convertible | $342 | $620 | $352 | $20 | $106 | $1,465 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| Sebring Limited 4-Dr Sedan | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| Sebring LX 2-Dr Convertible | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Sebring Touring 2-Dr Convertible | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Sebring Limited 2-Dr Convertible | $210 | $390 | $352 | $20 | $106 | $1,078 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific Aurora garaging location which can revise coverage rates noticeably.
Based on the data above, we can derive that using a $250 deductible costs about $29 more each month or $348 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 26 months between claims, you would save money if you decide on a higher deductible.
The illustration below demonstrates how deductibles and can impact Chrysler Sebring insurance costs for each different age group. Data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Chrysler Sebring insurance costs by gender and age
The chart below shows the difference between Chrysler Sebring annual premium costs for male and female drivers. Data assumes no violations or accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Score discounts on Aurora auto insurance
Car insurance companies don’t always publicize every discount they offer very clearly, so the next list breaks down both the well known and the harder-to-find discounts that you may qualify for.
- Own a Home and Save – Owning your own home or condo may trigger a policy discount on auto insurance since owning and maintaining a home shows financial diligence.
- More Vehicles More Savings – Drivers who insure more than one vehicle on a single policy may reduce the rate for each vehicle.
- Pay Now and Pay Less – By making one initial payment instead of making monthly payments you may reduce your total bill.
- Claim Free – Claim-free drivers get the best auto insurance rates in comparison with policyholders that have many claims.
- Driver Training Discounts – Successfully completing a course in safe driver could earn you a small percentage discount and easily recoup the cost of the course.
- Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
- Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Student in College – Youth drivers who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
- E-sign – Some of the larger companies may give you up to $50 shop Aurora car insurance on their website.
- Senior Discount – Older drivers may receive a small decrease in premiums.
Don’t be shocked that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.
The chart below visualizes the comparison of Chrysler Sebring insurance costs with and without policy discounts. The prices are based on a female driver, a clean driving record, no claims, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.
A few companies that may offer policyholders some of the discounts shown above are:
Before buying, ask each company the best way to save money. A few discounts may not apply to policies in Aurora.
You Can Change Your Insurance Premiums
Multiple criteria are used when premium rates are determined. Some of the criteria are obvious such as your driving record, but others are not quite as obvious like where you live or how financially stable you are.
The following are a few of the “ingredients” used by insurance companies to determine your prices.
Teenage drivers are expensive to insure – Inexperience drivers are statistically proven to be easily distracted when behind the wheel so they pay higher car insurance rates. More mature drivers are viewed as being more responsible, tend to cause fewer accidents, and get fewer tickets.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Prices impacted by vehicle usage – The more you drive annually the higher the price you pay to insure it. Most companies calculate prices based upon how much you drive. Cars that do not get driven very much get more affordable rates than vehicles that have high annual mileage. A policy that improperly rates your Sebring may be wasting your money. It’s always a good idea to double check that your car insurance policy is rated on annual mileage, because improper ratings can cost you money.
Where you live plays a part – Being located in less populated areas is a good thing when it comes to car insurance. Drivers who live in large cities tend to have much more traffic and longer commutes to work. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims.
Liability coverage claims can be big – The liability coverage on your policy is the coverage that protects you if ever you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
Occupation and insurance prices – Jobs like doctors, air traffic controllers, and dentists tend to pay higher rates than average because of intense work situations and lots of time spent away from family. Other careers like farmers, engineers and performers receive lower rates.
Tickets and citations cost more than a fine – Your driving record can have a huge impact on auto insurance premiums. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Only having one moving violation can boost insurance rates by twenty percent. People who have dangerous violations like DUI or reckless driving might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
The chart below demonstrates how traffic citations and fender-benders impact Chrysler Sebring annual premium costs for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Do I need a local insurance agent?
A small number of people would prefer to get professional advice from a licensed agent and that can be a smart move A nice benefit of comparing auto insurance online is you may find cheap auto insurance rates but also keep your business local. Supporting small agencies is definitely important in Aurora.
To help locate an agent, after submitting this simple form, your insurance data is immediately sent to participating agents in Aurora who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to search for an agent because prices are sent immediately to you. You can find better rates without requiring a lot of work. If you wish to quote rates from a particular provider, you would need to navigate to their website and give them your coverage information.
Finding the right insurer shouldn’t rely on just a cheap price quote. These are some valid questions you should ask.
- How much will you save each year by using a higher deductible?
- How are they compensated?
- Do you qualify for any additional discounts?
- Do they offer accident forgiveness?
- What kind of financial rating does the company have?
Ratings for Aurora auto insurance companies
Ending up with the top insurance provider can be difficult considering how many companies sell insurance in Aurora. The company rank data in the next section can help you decide which insurers you want to consider purchasing from.
Top 10 Aurora Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- Titan Insurance – A+
- The Hartford – A+
Top 10 Aurora Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
- Travelers
You can find affordable coverage
In this article, we covered some good ideas how you can lower your Chrysler Sebring insurance car insurance rates in Aurora. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper Aurora car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.
Consumers leave their current company for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, poor customer service and not issuing a premium refund. Regardless of your reason, finding a new company is not as hard as you think.
More affordable insurance in Aurora is definitely available online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance companies may not have online rate quotes and many times these smaller companies work with independent agents.
Additional resources
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Aurora Auto Insurance Rates for Drivers Under 21? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Requiring a SR22 in Aurora? (FAQ)
- How Much are Auto Insurance Quotes for a Dodge Ram in Aurora? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Understanding Rental Car Insurance (Insurance Information Institute)