Save Money on Ford F-250 Insurance in Aurora

Remarkably, a study showed that the vast majority of consumers have remained with the same car insurance company for well over three years, and approximately 38% of consumers have never shopped around. Many consumers in Colorado can cut their rates by as much as 35% a year by just shopping around, but they just don’t understand how easy it is to find cheap insurance by shopping around.

Truthfully, the best way to get affordable auto insurance rates is to regularly compare price quotes from insurers in Aurora.

1. Learn about car insurance and the measures you can take to keep rates down. Many things that cause high rates such as distracted driving and an unacceptable credit rating can be controlled by making minor changes in your lifestyle.
2. Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.
3. Compare the price quotes to your current policy to determine if you can save on F-250 insurance in Aurora. If you find a lower rate, make sure coverage is continuous and does not lapse.
4. Notify your agent or company of your intent to cancel the current policy. Submit the required down payment along with the signed application to the new company. Immediately upon receiving it, keep your new certificate of insurance in your glove compartment.

One piece of advice is to use similar coverage information on each price quote and and to get rate quotes from as many companies as you can. Doing this guarantees a fair price comparison and the best rate selection.

Companies offering cheap Ford F-250 prices in Aurora, CO

The companies in the list below are our best choices to provide comparison quotes in Colorado. If you wish to find cheap auto insurance in Aurora, we suggest you visit two to three different companies in order to get a fair rate comparison.

Statistics and details

The premium information displayed next covers different insurance policy prices for Ford F-250 models. Having a better idea how auto insurance premiums are formulated can assist in making smart choices when choosing a car insurance company.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in your specific Aurora location which can increase or decrease auto insurance rates significantly.

Poor driving habits will raise your insurance rates

The information below demonstrates how citations and at-fault collisions can impact Ford F-250 insurance costs for different insured age categories. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Gender-based insurance rates in Aurora

The diagram below compares Ford F-250 car insurance costs for male and female drivers. Data assumes no violations or claims, comprehensive and collision coverage, $100 deductibles, single status, and no policy discounts are applied.

Ford F-250 liability-only versus full coverage

The illustration below shows the comparison of Ford F-250 auto insurance costs with and without full coverage. Data assumes no claims or driving citations, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no exact rule of when to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford F-250 book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few cases where buying only liability insurance is not advised. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Auto insurance discounts help lower rates for Ford F-250 insurance in Aurora

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Many discounts should be triggered when you purchase, but some discounts are required to be requested specifically before you get the savings.

• Switch and Save Discount – Some insurance companies reward drivers for buying a policy before your current coverage expires. It can save you around 10%.
• Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
• Government Employee Discount – Active or retired federal employment can save as much as 8% depending on your auto insurance provider.
• Discount for Passive Restraints – Options like air bags or automatic seat belts can receive discounts of more than 20%.
• Braking Control Discount – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more on F-250 insurance in Aurora.
• Onboard Data Collection – Insureds that choose to allow data collection to scrutinize vehicle usage by using a telematics device such as State Farm’s In-Drive could see a rate decrease if they are good drivers.
• Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of up to 20% off your total F-250 insurance premium.
• Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their Aurora auto insurance quote compared to rates paid by drivers with frequent claims.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The example below shows the difference between Ford F-250 insurance premiums with and without discounts being applied to the rates. The premiums assume a male driver, no claims, a clean driving record, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.

If you would like to view providers that can offer you the previously mentioned discounts in Colorado, follow this link.

Do I just need basic coverages?

When it comes to choosing the best auto insurance coverage, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

• Are rental cars covered under my policy?
• Why does it cost so much to insure a teen driver in Aurora?
• Do I need rental car coverage?
• Exactly who is provided coverage by my policy?
• Is there a penalty for late payment?
• Why am I required to get a high-risk car insurance policy?
• Do all my vehicles need collision coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

When to talk to an insurance agent

Some consumers still prefer to talk to a local agent and that is not a bad decision Experienced insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing rates online is you may find cheap rate quotes and still choose a local agent. Buying from and supporting local agents is important especially in Aurora.

Upon completion of this simple form, your insurance data is instantly submitted to insurance agents in Aurora who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go immediately to your email address. If you have a need to get a price quote from a particular provider, you can always go to their quote page and fill out the quote form the provide.

Two different types of car insurance agents

When looking for a reliable agent, there are two types of agencies and how they are distinctly different. Agencies in Aurora can be described as either exclusive or independent. Either type can sell and service car insurance coverage, but it’s important to point out the difference in the companies they write for since it can impact the type of agent you choose.

Independent Agencies or Brokers

Agents in the independent channel do not write with just one company so as a result can place your coverage through many companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you don’t have to switch agencies. If you are comparing rate quotes, you definitely need to compare prices from at a minimum one independent agency so that you can do a thorough price comparison.

The following is a partial list of independent insurance agencies in Aurora who may provide rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They are trained well on their company’s products which helps them sell on service rather than price.

The following is a short list of exclusive insurance agents in Aurora that are able to give price quote information.

More insurance agents

Finding the right car insurance agent requires you to look at more than just the bottom line cost. Here are some questions you should ask.

• Are claims handled at the agent’s location?
• What companies can they write with?
• Will they take your side in the event of a claim?
• Do they receive special compensation for putting your coverage with one company over another?
• Can you get a list of referrals?
• Will the quote change when the policy is issued?
• Do they offer accident forgiveness?

If you receive reasonable responses and an affordable coverage quote, it’s a good possibility that you have found an insurance agent that will properly service your car insurance policy. It’s important to know that you are able to cancel coverage when you choose so don’t assume you are locked into the car insurance policy for a certain time period.

Insurance policy coverages for a Ford F-250

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, driving through your garage door, damaging your car on a curb, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your F-250 to get cheaper collision coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/15 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like legal defense fees, attorney fees, medical services, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible. Colorado state law requires minimum liability limits of 25/50/15 but you should consider buying more liability than the minimum.

The illustration below shows why minimum state limits may not provide adequate coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford F-250.

Because many people carry very low liability coverage limits (Colorado limits are 25/50/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for doctor visits, EMT expenses, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Do the work, save more money

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability coverage limits only to regret that the savings was not a smart move. Your aim should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

People switch companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent and policy cancellation. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

Throughout this article, we presented many ways to compare Ford F-250 insurance premium rates in Aurora. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest premium rates are with a small mutual company.

Additional insurance information can be found at these links:

• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• What Auto Insurance is Cheapest for a Hyundai Sonata in Aurora? (FAQ)
• What Car Insurance is Cheapest for Low Mileage Drivers in Aurora? (FAQ)
• Who Has Affordable Car Insurance for Drivers with a DUI in Aurora? (FAQ)
• Rollover Crash FAQ (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Shopping for a Safe Car (Insurance Information Institute)