It takes a few minutes, but the best way to get cheaper car insurance rates in Aurora is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Colorado. You can compare rates by following these steps.
- Read about auto insurance and the steps you can take to keep rates down. Many risk factors that drive up the price such as speeding tickets, accidents and an unacceptable credit rating can be amended by making minor changes in your lifestyle. Read the full article for tips to get better rates and find available discounts that you may qualify for.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of companies. View companies
- Compare the quotes to the price on your current policy and determine if there is any savings. If you can save some money, make sure coverage is continuous and does not lapse.
- Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application to the new insurer. Don’t forget to keep your new certificate verifying proof of insurance in your glove compartment.
One bit of advice is that you’ll want to compare similar deductibles and liability limits on every quote and and to get price quotes from as many auto insurance providers as possible. This guarantees the most accurate price comparison and a complete rate analysis.
Unbelievably, 70% of consumers renewed their policy with the same company for well over three years, and nearly the majority have never taken the time to shop around. Colorado drivers could pocket approximately 35% a year just by shopping around, but they don’t know the rate savings if they moved their coverage to a different company.
Buying the cheapest insurance in Aurora seems hard but is not really that difficult. Practically anyone who needs cheaper insurance will more than likely be able to save money. But Colorado vehicle owners need to have an understanding of the way insurance companies sell online and use it to your advantage.
Most major insurance companies give coverage prices on their websites. Comparing prices online for Ford Flex insurance in Aurora doesn’t take much effort as you just enter your required coverages into a form. After the form is submitted, their rating system gets reports for credit and driving violations and quotes a price based on many factors.
Being able to quote online for Ford Flex insurance in Aurora makes it simple to compare prices and it is important to perform this step if you want to find a lower rate.
To save time and find out how much you can save on insurance, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. Doing this guarantees you are getting comparison quotes for similar coverage.
The companies shown below have been selected to offer free rate quotes in Aurora, CO. To locate the cheapest auto insurance in Colorado, we suggest you get rates from several of them in order to get a fair rate comparison.
Ford Flex insurance charts and tables
The coverage table shown below highlights estimates of insurance coverage prices for Ford Flex models. Understanding more about how insurance prices are determined is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $242 | $362 | $358 | $22 | $108 | $1,092 | $91 |
| Flex SEL 2WD | $242 | $426 | $358 | $22 | $108 | $1,156 | $96 |
| Flex SEL AWD | $270 | $426 | $358 | $22 | $108 | $1,184 | $99 |
| Flex Limited 2WD | $270 | $426 | $358 | $22 | $108 | $1,184 | $99 |
| Flex Limited AWD | $270 | $426 | $358 | $22 | $108 | $1,184 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific location which can increase or decrease coverage rates considerably.
Analysis of deductible levels
One frequently asked question is how high should the physical damage deductibles be. The comparisons below may help to illustrate how much more you’ll pay between high and low coverage deductibles. The first data set uses a $250 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $306 | $458 | $352 | $20 | $106 | $1,267 | $106 |
| Flex SEL 2WD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Flex SEL AWD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Flex Limited 2WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Flex Limited AWD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| Flex SEL 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Flex SEL AWD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Flex Limited 2WD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Flex Limited AWD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in your specific Aurora location which can change price quotes considerably.
Based on this data, using a $250 deductible will cost you roughly $16 more each month or $192 annually across all Ford Flex models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 16 months between claims, you would save more money by going with a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | – $97 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more when you have a physical damage claim. You need to have enough extra money in order to pay more to get your vehicle repaired.
Auto insurance cost for men versus women
The chart below compares Ford Flex annual premium costs for male and female drivers. Data assumes no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Take these five policy discounts and save on Ford Flex insurance in Aurora
Insuring your vehicles can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Some discounts apply automatically at quote time, but some may not be applied and must be specifically requested before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Senior Discount – Drivers over the age of 55 can possibly qualify for a small decrease in premiums.
- New Vehicle Savings – Buying a new car instead of a used Flex can save up to 30% due to better safety requirements for newer vehicles.
- Distant Student – Youth drivers who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
- Lower Rates for Military – Having a family member in the military may lower your premium rates slightly.
- Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you could earn a discount of up to 20% and get you affordable Ford Flex insurance rates in Aurora.
As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way.
The example below illustrates the difference between Ford Flex auto insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no claims or violations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.
Some companies that may include some of the discounts shown above may include but are not limited to:
When comparing rates, check with all companies you are considering what discounts are available to you. Some credits may not be offered in Aurora. To view providers that can offer you the previously mentioned discounts in Colorado, click here.
It may be expensive, but it’s not optional
Even though it’s not necessarily cheap to insure a Ford in Aurora, paying for auto insurance is not optional due to several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to license the vehicle. 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.
Second, if you took out a loan on your Flex, almost every bank will make it mandatory that you have full coverage to guarantee loan repayment. If the policy lapses, the bank may insure your Ford at a significantly higher premium and require you to pay for the expensive policy.
Third, auto insurance protects both your car and your assets. Insurance will pay for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance more than offset the price you pay, especially if you ever need it. Unknowingly, the average driver overpays as much as $830 a year so you should quote and compare rates at least once a year to save money.
Shop online but buy locally
Some consumers prefer to talk to a local agent and that is not a bad decision One of the best bonuses of getting online price quotes is that you can find cheap car insurance rates and still buy from a local agent.
After completing this short form, your information gets sent to agents in your area who will return price quotes for your insurance coverage. You won’t need to drive around since price quotes are sent to you directly. Get lower rates and work with a local agent. If you want to compare prices from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
Picking the best insurer requires you to look at more than just a low price. Some important questions to ask are:
- How are they compensated?
- Will the quote change when the policy is issued?
- Do they make recommendations based only on price?
- How is replacement cost determined on your vehicle?
- Can they help ensure a fair claim settlement?
Insurance agent types
If you would like to find local Aurora agents, you must know there are a couple different types of agencies and how they operate. Agents may be either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Exclusive agents work for only one company such as American Family, State Farm, and AAA. Exclusive agencies are unable to place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets. A lot of people buy insurance from these agents mostly because of the prominent brand name rather than having low rates.
The following is a short list of exclusive insurance agents in Aurora willing to provide price quote information.
- State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175 – View Map - State Farm: Anne Sandoval
18511 E Hampden Ave #210 – Aurora, CO 80013 – (303) 699-8883 – View Map - Bill Mahaffy III – State Farm Insurance Agent
15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 – View Map
Independent Agencies or Brokers
Independent agents often have many company appointments and that is an advantage because they can write policies through many companies and get you the best rates possible. If your premiums go up, an independent agent can move your coverage and the insured can keep the same agent.
When shopping rates, we recommend you get several quotes from at a minimum one independent agency to get the best comparison. Most also have access to additional companies that you may not be familiar with which can save you money.
Shown below are Aurora independent agents that are able to give price quotes.
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map - MG Insurance Brokers Llc
2600 S Parker Rd # 263 – Aurora, CO 80014 – (303) 309-6200 – View Map - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Car insurance 101
Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like doctor visits, prosthetic devices, hospital visits and EMT expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability insurance
This can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/15 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $15,000 for damage to vehicles and property.
Liability coverage protects against claims such as court costs, emergency aid and medical services. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but it’s recommended drivers buy better liability coverage.
The chart below demonstrates why minimum state limits may not be high enough to adequately cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Flex.
Because many people only carry the minimum required liability limits (25/50/15), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive auto coverage
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like vandalism, rock chips in glass, damage from getting keyed and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage protection
Collision insurance pays for damage to your Flex resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Flex in order to get cheaper collision rates.