Regrettably, over 70% of drivers kept their coverage with the same car insurance company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. Colorado drivers could save themselves 35% a year by just comparing rate quotes, but they don’t invest the time required to compare rates and save money.
The recommended way to find low-cost auto insurance rates in Aurora is to compare quotes annually from different companies in Colorado.
- First, get a basic knowledge of how your policy works and the factors you can control to prevent expensive coverage. Many risk factors that drive up the price such as traffic tickets, fender benders, and an imperfect credit history can be rectified by making minor changes to your lifestyle. Read the full article for the details to prevent expensive rate increases and find overlooked discounts.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple companies. View insurance agents
- Third, compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give notification to your agent or company of your intention to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for your new coverage. As soon as coverage is bound, keep the new certificate verifying coverage along with the vehicle’s registration papers.
One tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote request and and to compare as many companies as you can. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.
If you have insurance now, you should be able to lower your rates using these techniques. Locating the best rates in Aurora can initially seem challenging. But Colorado vehicle owners do need to understand how companies determine what you pay.
To find affordable Aurora car insurance quotes, there are several ways to compare prices from different companies. The easiest way to find competitive insurance rates is simply to get online rate quotes.
Comparing rate quotes online is fast and free, and it makes it obsolete to waste gas driving to all the different Aurora insurance agencies. Quoting Kia Spectra insurance online eliminates this option unless you prefer the professional guidance that only a licensed agent can provide. It is possible to compare online quotes and get advice from an agent in your area. When comparing insurance rates, know that getting more free quotes helps you find more affordable rates. Not every company does Aurora Spectra insurance quotes online, so it’s necessary to compare prices on coverage from those companies, too.
The providers in the list below can provide quotes in Colorado. If you want to find the best cheap car insurance in Aurora, we suggest you compare several of them to get a more complete price comparison.
Protect more than your vehicle
Despite the high insurance cost for a Kia Spectra in Aurora, paying for insurance may be required for several reasons.
- Just about all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability insurance coverage 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.
- If you have a lien on your vehicle, it’s guaranteed your bank will force you to buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Kia at a more expensive rate and force you to pay much more than you were paying before.
- Insurance protects not only your Kia but also your assets. Insurance will pay for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. Today the average American driver overpays as much as $825 a year so compare rates at every policy renewal to ensure rates are inline.
Why You Might Pay Lower Rates in Aurora
Multiple criteria are taken into consideration when premium rates are determined. Some factors are common sense such as your driving record, but some are more obscure such as your credit history or your commute time.
The itemized list below are some of the most common factors used by insurance companies to determine your premiums.
Marriage equates to better rates – Having a spouse helps lower the price on auto insurance. It means you’re more stable financially and statistics prove married drivers get in fewer accidents.
Do you really need roadside assistance? – There are a ton of extra bells and whistles that you can get tricked into buying on your Spectra policy. Coverage for things like personal injury protection, towing, and extra equipment coverage could be just wasting money. These may sound like a good investment when buying your policy, but if you have no use for them remove them from your policy.
High credit equals lower costs – Credit score can be a huge factor in determining premium rates. Consumers who have excellent credit tend to be more responsible and file fewer claims as compared to drivers with worse credit. Therefore, if your credit score leaves room for improvement, you may save money insuring your Kia Spectra by taking the time to improve your credit score.
Prevent theft and save – Driving a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
Which auto insurance company is best in Colorado?
Picking a highly-rated auto insurance provider can be a challenge considering how many companies sell coverage in Aurora. The company rank data listed below may help you choose which coverage providers to look at shopping your coverage with.
Top 10 Aurora Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Nationwide
- Safeco
- Esurance
Top 10 Aurora Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Cheaper auto insurance premiums are possible
When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
We just covered many tips how you can shop for Kia Spectra insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost Aurora car insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
Lower-priced auto insurance in Aurora can be purchased online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not have price quotes online and usually these smaller providers provide coverage only through independent agencies.
To read more, take a look at the resources below:
- Distracted Driving (Insurance Information Institute)
- What Insurance is Cheapest for Drivers with a Bad Driving Record in Aurora? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Uninsured Motorist Statistics (Insurance Information Institute)