Truthfully, the best way to find more affordable auto insurance rates is to compare prices regularly from companies that insure vehicles in Aurora.
- Step 1: Try to understand how companies set rates and the factors you can control to keep rates low. Many rating criteria that result in higher rates such as traffic citations, accidents, and a low credit score can be amended by being financially responsible and driving safely. Continue reading for more details to help find cheaper rates and get bigger discounts that may have been overlooked.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple companies.
- Step 3: Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Aurora. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
A good tip to remember is to try to compare the same physical damage deductibles and liability limits on each price quote and and to get price estimates from as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and the best price selection.
A recent NerdWallet.com study revealed that over 70% of Colorado drivers renewed their policy with the same company for over three years, and 38% of drivers have never compared rate quotes at all. Consumers in America could save an average of up to $850 each year just by comparing rates, but they won’t spend time to compare rates and save money.
If you have coverage now, you will be able to shop for the lowest rates using the following tips. Locating the most affordable insurance in Aurora is not as time-consuming as you think. But Colorado vehicle owners do need to learn how the larger insurance companies price online insurance and take advantage of how the system works.
The best way we recommend to get policy rate comparisons for Toyota Land Cruiser insurance in Aurora utilizes the fact most of the bigger providers allow for online access to provide you with free rate quotes. The only thing you need to do is provide a little information like the type of vehicles you drive, deductibles desired, if you’re married, and how much you drive. Those rating factors gets sent immediately to all major companies and they return quotes instantly.
To check rates for your Toyota Land Cruiser now, click here and complete the form.
The car insurance companies shown below are our best choices to provide free rate quotes in Aurora, CO. If your goal is to find cheap car insurance in Colorado, we suggest you get rates from several of them in order to get a fair rate comparison.
Protect your Toyota Land Cruiser and other assets
Despite the high insurance cost for a Toyota Land Cruiser in Aurora, insurance may be required for several reasons.
First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you want to drive legally. 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 have a loan on your car, it’s most likely the lender will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Toyota for a lot more money and force you to pay for it.
Third, insurance protects both your assets and your vehicle. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your Land Cruiser more than offset the price you pay, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $825 a year so we recommend shopping around once a year at a minimum to make sure the price is not too high.
Premium rates and analysis
The information below highlights detailed analysis of insurance prices for Toyota Land Cruiser models. Understanding how policy rates are calculated is important for you to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $254 | $442 | $352 | $20 | $106 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can alter premiums noticeably.
The chart below illustrates how your deductible choice and can affect Toyota Land Cruiser premium costs for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The diagram below highlights how speeding tickets and at-fault fender-benders influence Toyota Land Cruiser premium costs for each age group. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.
Annual premiums for males versus females in Aurora
The illustration below visualizes the comparison of Toyota Land Cruiser insurance prices for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The example below compares Toyota Land Cruiser car insurance rates with full physical damage coverage compared to only buying liability only. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are factored in.
Should you be buying full coverage?
There is no specific rule to drop full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Toyota Land Cruiser book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after paying your deductible. If it’s costing in excess of $300 annually for your policy with full coverage, then it might be time to buy liability only.
There are some situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
Insurance discounts help lower rates for Toyota Land Cruiser insurance in Aurora
Car insurance companies don’t always advertise every possible discount very clearly, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Aurora car insurance online.
- Home Ownership Discount – Owning a house in Aurora can get you a discount since home ownership requires a higher level of personal finance.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
- Save over 55 – Seniors could receive better insurance rates.
- Paperless Signup – Many companies give back up to $50 for signing up on the internet.
- Driver Safety – Taking time to complete a course that instructs on driving safety could save 5% or more depending on where you live.
- Data Collection Discounts – People who choose to allow their insurance company to track driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.
The information below visualizes the comparison of Toyota Land Cruiser insurance rates with and without some available policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Colorado state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.
To see a list of insurers who offer online Toyota Land Cruiser insurance quotes in Aurora, click here to view.
Insurance agent or online?
Some people still like to talk to an insurance agent and that is not a bad decision One of the best bonuses of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
To help locate an agent, after submitting this simple form, the quote information gets sent to companies in Aurora who want to provide quotes for your business. You don’t have to contact any insurance agencies due to the fact that quote results will go instantly to you. You can find lower rates without requiring a lot of work. In the event you want to compare rates for a specific company, don’t hesitate to jump over to their website and give them your coverage information.
Finding the right provider should depend on more than just the bottom line cost. These questions are important to ask:
- Do they specialize in personal lines coverage in Aurora?
- Are they able to influence company decisions when a claim is filed?
- If they are an independent agency in Aurora, which companies do they recommend?
- Will one accident increase rates?
- Who are their largest clients?
- What insurance companies do they work with in Aurora?
If you want to buy auto insurance from a reputable agency, it can be helpful to understand the different types of agents and how they function. Aurora agents can either be exclusive or independent agents depending on their company appointments.
Exclusive Agencies
These type of agents generally can only insure with one company and some examples include American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on sales techniques which can be an advantage. A lot of people purchase coverage from exclusives partially due to the prominence of the brand rather than low price.
Shown below are Aurora exclusive insurance agents that can give you comparison quotes.
- Bob Massie – State Farm Insurance Agent
15290 E 6th Ave #220 – Aurora, CO 80011 – (303) 364-8298 – View Map - Mike Gibbs – State Farm Insurance Agent
3140 S Parker Rd #2 – Aurora, CO 80014 – (303) 699-2800 – View Map - American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666 – View Map
Independent Agents (or Brokers)
Agents of this type do not have single company limitations and that is an advantage because they can write policies amongst many companies enabling the ability to shop coverage around. If they find a lower price, your policy is moved internally and you can keep the same agent. If you are comparing rate quotes, you should always compare quotes from several independent agencies to get the most accurate price comparison. Most also have access to less well-known companies that many times have cheaper rates.
The following is a short list of independent agencies in Aurora that can give you price quotes.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map - A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Do the work, save more money
Consumers change insurance companies for any number of reasons including delays in responding to claim requests, denial of a claim, high rates after DUI convictions and even policy cancellation. It doesn’t matter what your reason, finding a great new company can be pretty painless.
We just covered many tips how you can find affordable Toyota Land Cruiser insurance in Aurora. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the lowest rates are with some of the smallest insurance companies.
Lower-priced auto insurance in Aurora is possible both online and with local Aurora insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies don’t offer rate quotes online and these small, regional companies work with independent insurance agencies.
Helpful articles
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Safe Drivers in Aurora? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford Escape in Aurora? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Winter Driving (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)