The preferred way to find cheaper prices for auto insurance rates in Aurora is to annually compare prices from providers in Colorado.
Step 1: Take a few minutes and learn about how insurance works and the things you can control to prevent expensive coverage. Many rating factors that increase rates like inattentive driving and a lousy credit rating can be controlled by making small lifestyle or driving habit changes.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple companies. View rates
Step 3: Compare the new quotes to your current policy and determine if there is any savings. If you can save some money and change companies, ensure there is no coverage lapse between policies.
Step 4: Notify your agent or company of your intent to cancel your current coverage. Submit any necessary down payment along with the completed application for the new policy. Once received, keep your new certificate of insurance in your vehicle's glove compartment or console.
The most important part of shopping around is to make sure you enter identical deductibles and limits on every price quote and and to get prices from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and the best price selection.
Unbelievably, most consumers have stayed with the same insurance company for at least four years, and almost half have never compared quotes from other companies. With the average auto insurance premium being $1,800, Aurora drivers could save nearly $600 every year just by getting comparison quotes, but they don't know the amount of money they would save if they switch to a new company.
How to Lower Your Insurance Rates
Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, although others are less obvious such as your credit history or your commute time.
The factors shown below are a partial list of the pieces used by insurance companies to determine your prices.
Your car's features help determine prices - Selecting a car model that has an advanced theft prevention system can get you a discount on your car insurance. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
What type of vehicle do you drive? - The performance of the car or truck you need to insure makes a significant difference in determining your rates. Small economy passenger vehicles normally have pretty low rates, but the final cost of insurance is determined by many other factors.
The data below uses these assumptions: married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Audi A4 insurance rates compared to other vehicles that have a range of performance rating factors.
Which gender costs less? - Over the last 30 years, statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Men and women get in at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. They also receive more major tickets like driving under the influence (DUI).
The information below shows the comparison of Audi A4 annual premium costs for male and female drivers. Data assumes no violations or claims, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Remove unneeded extra policy coverages - Policies have additional coverages you can purchase on your car insurance policy. Coverage for things like replacement cost coverage, high-cost glass coverage, and term life insurance may be costing you every month. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
Discounts for auto and home policies - The majority of insurers afford better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it's always a smart idea to compare other Aurora A4 insurance rates to confirm you are receiving the best rates possible.
Teenagers are high risk - Teen drivers in Colorado are statistically shown to be inattentive when behind the wheel so car insurance rates are higher. Having to add a teen driver onto a policy can really hurt. Older insureds are proven to be safer behind the wheel, file fewer claims, and are safer drivers.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Big cities have higher premiums - Choosing to live in less populated areas has definite advantages when shopping for auto insurance. People in densely populated areas have more aggressive driving styles and higher rates of accident claims. Less people corresponds to lower accident rates and a lower car theft rate.
Audi A4 insurance loss probability - Insurance companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium rate. Models that tend to have high amounts or severity of claims will be charged more to insure. The information below illustrates the compiled insurance loss statistics for Audi A4 vehicles.
For each type of coverage, the statistical loss for all vehicles as a whole is considered to be 100. Values that are 100 or less represent a good loss history, while percentages above 100 point to more claims or tendency to have larger claims.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi A4 4dr 2WD||179||107||103||80||112||100|
|Audi A4 4dr 4WD||160||94||118||66||68||77|
|Audi A4 Allroad Station Wagon 4WD||145||84||110||47||47||70|
Statistics from IIHS.org for 2013-2015 Model Years
Many insurance companies like GEICO, State Farm and Progressive allow you to get price estimates directly from their websites. Doing online quotes for Audi A4 insurance in Aurora is pretty painless because you just enter the coverages you want into the quote form. Once entered, their rating system obtains information on your driving record and credit history and returns a price quote determined by many factors.
Getting online price quotes for Audi A4 insurance in Aurora helps simplify price comparisons, and it's absolutely necessary to perform this step if you are searching for the lowest possible payments on insurance.
To save time and find out how much you can save on insurance, take a look at the companies shown below. If you have a policy now, it's recommended you copy the limits and deductibles as close as possible to your current policy. Doing this guarantees you will have a fair comparison based on identical coverages.
The companies in the list below are ready to provide comparison quotes in Aurora, CO. To buy the best car insurance in Colorado, we suggest you compare several of them in order to get a fair rate comparison.
Insurance rate breakdown
The coverage table shown below covers a range of prices for Audi A4 models. Having knowledge of how auto insurance policy rates are formulated is important to be able to make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$278||$570||$362||$22||$108||$1,340||$112|
|A4 2.0T Premium Turbo 4-Dr Sedan||$278||$496||$362||$22||$108||$1,266||$106|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$278||$496||$362||$22||$108||$1,266||$106|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$278||$570||$362||$22||$108||$1,340||$112|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$310||$570||$362||$22||$108||$1,372||$114|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$310||$570||$362||$22||$108||$1,372||$114|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$310||$570||$362||$22||$108||$1,372||$114|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$310||$570||$362||$22||$108||$1,372||$114|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$310||$570||$362||$22||$108||$1,372||$114|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$310||$570||$362||$22||$108||$1,372||$114|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in zip code location which can impact coverage rates greatly.
The chart below shows how different deductible levels and can increase or decrease Audi A4 insurance prices for different age groups. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.
Why you need to buy car insurance
Even though it's not necessarily cheap to insure an Audi in Aurora, paying for car insurance is required in Colorado but it also protects you in many ways.
- Just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability protection in order to be legal. 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 your vehicle has a loan, most lenders will require you to carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Audi for a lot more money and make you pay much more than you were paying before.
- Car insurance protects not only your vehicle but also your financial assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your A4 are without a doubt worth the cost, especially for larger claims. But the average American driver is overpaying more than $850 per year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Get lower-cost rates with discounts
Not many people think insurance is cheap, but you may be missing some discounts to help bring down the price. Many discounts should be triggered when you quote, but some must be asked for before they will apply.
- Air Bag Discount - Factory air bags or automatic seat belts could see savings of 20% or more.
- Theft Deterrent System - Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Payment Method - If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
- Senior Citizen Discount - Drivers over the age of 55 may receive better car insurance rates.
- Discount for Multiple Policies - When you combine your auto and homeowners insurance with one company you may earn at least 10% off all policies.
- Professional Memberships - Belonging to a professional or civic organization is a simple method to lower premiums on your next car insurance statement.
- Accident-Free Discounts - Insureds with no claims or accidents can earn big discounts as opposed to accident-prone drivers.
You can save money using discounts, but some credits don't apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, you aren't that lucky.
The diagram below shows the comparison of Audi A4 car insurance rates with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or driving violations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, claim-free, and multi-car discounts applied.
Some of the larger companies that may have most of the discounts above include:
If you are trying to find inexpensive Aurora car insurance quotes, ask each insurance company what discounts are available to you. Some discounts listed above may not apply everywhere. To locate insurers who offer car insurance discounts in Aurora, click here.
Local agents and car insurance
Many drivers would rather get advice from a local agent and that is a smart decision Good agents can answer important questions and help you file claims. One of the best bonuses of comparing rate quotes online is you may find cheap car insurance rates and also buy local.
For easy comparison, once you complete this form (opens in new window), your coverage information is immediately sent to local insurance agents in Aurora who will give you bids to get your business. You won't even need to visit any agencies because quoted prices will be sent directly to your email. In the event you want to compare prices from a specific insurance company, you just need to visit that company's website to submit a rate quote request.
Finding the right provider is decision based upon more than just a cheap price. Any agent in Aurora should be forthright in answering these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Are they giving you every discount you deserve?
- How often do they review policy coverages?
- Do they make recommendations based only on price?
- Can you use your own choice of collision repair facility?
- How experienced are they in personal risk management?
- Does the agent help file claims?
- Which companies do they recommend if they are an independent agency?
How to choose the best auto insurance agent in Aurora
If you are searching for local Aurora agents, there are a couple of types of insurance agents and how they work. Car insurance agents in Aurora can be classified as either independent agents or exclusive agents. Either can insure your vehicles, but it's important to know the difference between them since it can impact the type of agent you choose.
Exclusive Car Insurance Agencies
These type of agents can only place business with one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. These agents are highly trained on the products they sell which helps offset the inability to provide other markets. Consumers often choose to use a exclusive agent primarily because of the prominent brand name rather than having low rates.
The following are Aurora exclusive insurance agents that are able to give price quote information.
- Farmers Insurance - Holly Mullins
14221 E 4th Ave #100 - Aurora, CO 80011 - (303) 366-7101 - View Map
- Mark Vissering - State Farm Insurance Agent
1852 S Havana St - Aurora, CO 80012 - (303) 745-0034 - View Map
- Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 - Aurora, CO 80011 - (303) 366-6800 - View Map
Independent Insurance Agents
Agents that choose to be independent often have many company appointments so they can write business with a variety of different insurance companies and find the cheapest rate. If prices rise, your policy is moved internally without you having to go to a different agency. When comparing rate quotes, you should always check rates from multiple independent agents to get the most accurate price comparison. Most also write with smaller regional carriers that may provide cheaper car insurance rates.
Listed below is a list of independent insurance agencies in Aurora that are able to give comparison quotes.
- Dickson Insurance Agency
4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map
- Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map
- L.A. Insurance Agency
9601 E Colfax Ave - Aurora, CO 80010 - (303) 577-2400 - View Map
Ratings for Aurora car insurance companies
Selecting the right company can be rather challenging considering how many companies there are to choose from in Colorado. The ranking information displayed below can help you select which coverage providers you want to consider comparing rate quotes with.
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 Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Do I need special coverages?
When it comes to buying coverage for your personal vehicles, there isn't really a cookie cutter policy. Your situation is unique and your auto insurance should unique, too. For instance, these questions may help you determine if your insurance needs could use an agent's help.
- Am I getting all the discounts available?
- Is my teen driver covered when they drive my company car?
- How high should deductibles be on a Audi A4?
- I have a DUI can I still get coverage?
- If my pet gets injured in an accident are they covered?
- How do I file an SR-22 for a DUI in Colorado?
If you don't know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.
Cheaper auto insurance is out there
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In many cases, an insured cut liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price while still protecting your assets.
In this article, we presented many ideas to save on Audi A4 insurance in Aurora. The key thing to remember is the more times you quote, the better likelihood of getting affordable Aurora car insurance quotes. Drivers may even discover the lowest car insurance rates are with a smaller regional carrier. They may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive or GEICO.
For more information, take a look at the resources below:
- Auto Insurance Basics (Insurance Information Institute)
- What Auto Insurance is Cheapest for Nurses in Aurora? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota 4Runner in Aurora? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Collision Insurance Coverage (Nationwide)
- Auto Insurance FAQ (Farmers Insurance)
- Uninsured Motorist Statistics (Insurance Information Institute)