Anyone knows that insurance companies don’t want you to compare rates. Insureds who shop around for cheaper rates are very likely to buy a new policy because there is a good chance of finding a lower-cost company. A study showed that drivers who regularly compared rates saved as much as $865 a year compared to drivers who didn’t regularly shop around.
If finding budget-friendly Ford Expedition insurance in Aurora is the reason you’re reading this, then having an understanding of how to find companies and compare coverage rates can help you be more efficient.
It takes a few minutes, but the best way to find affordable quotes for Ford Expedition insurance in Aurora is to compare prices regularly from insurers that insure vehicles in Colorado. Rates can be compared by completing these steps.
Step 1: Try to learn about what is in your policy and the things you can change to prevent expensive coverage. Many risk factors that drive up the price such as getting speeding tickets and an unfavorable credit rating can be rectified by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies. Find an Aurora insurance agent
Step 3: Compare the price quotes to your existing coverage to see if a cheaper rate is available. If you can save some money and make a switch, make sure coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your intent to cancel the current policy and submit a down payment along with a completed application to your new company or agent. As soon as you receive it, put the new certificate of insurance in an easily accessible location.
An important note is to try to compare similar coverage information on every quote and and to analyze as many companies as possible. This ensures a fair rate comparison and a thorough selection of prices.
Companies offering Ford Expedition insurance in Colorado
The following companies are ready to provide quotes in Aurora, CO. If you want to find the cheapest auto insurance in CO, it’s a good idea that you click on several of them to get the best price comparison.
Detailed insurance information
The table below covers different insurance policy prices for Ford Expedition models. Having a better understanding of how insurance quotes are formulated can benefit drivers when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Expedition SSV 2WD||$234||$368||$338||$20||$102||$1,062||$89|
|Expedition XLT 2WD||$264||$448||$338||$20||$102||$1,172||$98|
|Expedition SSV 4WD||$264||$448||$338||$20||$102||$1,172||$98|
|Expedition XLT 4WD||$264||$448||$338||$20||$102||$1,172||$98|
|Expedition Eddie Bauer 2WD||$264||$528||$338||$20||$102||$1,252||$104|
|Expedition Limited 2WD||$264||$528||$338||$20||$102||$1,252||$104|
|Expedition Eddie Bauer 4WD||$264||$528||$338||$20||$102||$1,252||$104|
|Expedition King Ranch 4WD||$294||$528||$338||$20||$102||$1,282||$107|
|Expedition King Ranch 2WD||$294||$528||$338||$20||$102||$1,282||$107|
|Expedition Limited 4WD||$294||$528||$338||$20||$102||$1,282||$107|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can increase or decrease price quotes noticeably.
Ford Expedition insurance rates: Men versus women
The chart below compares Ford Expedition car insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Ford Expedition insurance costs with liability coverage only compared to full coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.
When to drop comprehensive and collision
There is no definitive formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your Ford Expedition settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying your policy deductible. If you are paying over $200 annually for full coverage, then it may be the right time to buy liability only.
There are some scenarios where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Cheap Aurora auto insurance quotes with discounts
Auto insurance is not cheap nor is it fun to buy but companies offer discounts to help bring down the price. Some trigger automatically at the time of quoting, but some must be manually applied in order for you to get them.
- Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
- No Claim Discounts – Aurora drivers who stay claim-free get the best auto insurance rates as opposed to policyholders that have many claims.
- Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
- Professional Organizations – Being a member of specific professional or occupational memberships or organizations may earn a discount on your policy.
- Multi-car Discount – Buying insurance for primary and secondary vehicles with one company can get a discount on all vehicles.
- Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Aurora car insurance with some auto insurance companies.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The illustration below illustrates the difference between Ford Expedition premium costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.
Car insurance companies that may offer quotes with these discounts include:
If you need lower rates, check with each company or agent to apply every possible discount. All car insurance discounts might not be offered on policies in Aurora. To see insurance companies with the best Ford Expedition insurance discounts in Aurora, click this link.
Tailor your car insurance coverage to you
When it comes to coverage for your vehicles, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
For example, these questions might help in determining whether or not you would benefit from professional advice.
- When do I need to add a new car to my policy?
- What is covered by UM/UIM coverage?
- Do I have coverage for damage caused while driving under the influence?
- Do I need replacement cost coverage on my Ford Expedition?
- Why am I required to buy high-risk coverage?
- Does coverage follow the driver or the vehicle?
- Should I buy only the required Colorado minimum liability coverage?
- Do I have coverage when making deliveries for my home business?
- Do I need medical payments coverage since I have good health insurance?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Compare prices but buy from a neighborhood Aurora auto insurance agent
A lot of people still like to have an agent’s advice and that is a personal choice. Good agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing car insurance online is the fact that drivers can get better rates and also buy local. Buying from local agencies is important especially in Aurora.
After completing this simple form, the coverage information is instantly submitted to local insurance agents in Aurora who can give free rate quotes for your business. You never need to do any legwork since price quotes are sent directly to you. If you want to compare prices from a specific company, feel free to navigate to their website and complete a quote there.
When searching for a reliable agent, it helps to know the two different agency structures from which to choose. Agents can either be independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles properly, but it is a good idea to know the subtle differences since it can impact your selection of an agent.
Independent Agents (or Brokers)
Agents of this type are not locked into one company and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If they find a lower price, they simply switch companies in-house and you don’t have to do anything. When comparing rates, you will definitely want to compare prices from several independent agencies so that you have a good selection of quotes to compare.
Below is a list of independent agents in Aurora who may be able to give you pricing information.
Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr – Aurora, CO 80014 – (303) 577-9998 – View Map
Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive are contracted to one company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so they really need to provide good service. They are well trained on their company’s products which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agents in Aurora that are able to give rate quotes.
Finding the right insurance agency requires more thought than just the quoted price. Any agent in Aurora should be forthright in answering these questions:
- Does the company have a local claim office in Aurora?
- Do the agents have professional certifications like CPCU or CIC?
- What kind of financial rating does the company have?
- How is replacement cost determined on your vehicle?
- Does the agent help file claims?
- Does the agency have a current Errors and Omissions policy?
- Will the company cover a rental car if your car is getting fixed?
- How much experience to they have in personal lines coverages?
Upon receiving good answers to your questions and low cost Ford Expedition insurance quotes, you may have just found an insurance agent that meets your needs to adequately provide car insurance.
Which auto insurance company is best in Colorado?
Choosing the highest-rated insurance company is difficult considering how many different companies there are to choose from in Colorado. The rank data shown next could help you pick which coverage providers to look at when comparing rate quotes.
Top 10 Aurora Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- The General
Compare but don’t skimp
When searching for affordable Ford Expedition insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
Insureds leave their current company for many reasons like high prices, questionable increases in premium, delays in paying claims and unfair underwriting practices. No matter why you want to switch, finding the right car insurance provider can be easier than you think.
More affordable car insurance in Aurora is possible from both online companies and with local Aurora insurance agents, and you should compare rates from both to get a complete price analysis. A few companies do not provide online rate quotes and these regional insurance providers sell through independent agents.
To read more, feel free to browse these articles:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Cheap Car Insurance for a Nissan Sentra in Aurora? (FAQ)
- How Much are Aurora Auto Insurance Rates for 19 Year Olds? (FAQ)
- Who Has Affordable Aurora Auto Insurance Quotes for a Honda CR-V? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Aurora? (FAQ)
- Who Has Affordable Auto Insurance Rates for Good Drivers in Aurora? (FAQ)
- How Much is Aurora Car Insurance for Drivers with Good Credit? (FAQ)
- How Much are Aurora Car Insurance Quotes for 18 Year Olds? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Shopping for a Safe Car (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)