How to Save on Ford Focus Insurance in Aurora

Would you like to save money by finding lower-priced Ford Focus insurance in Aurora? Being forced to pay for expensive insurance premiums can diminish your savings and maybe even restrict other spending. Comparing price quotes is a fast and free way to cut your insurance bill.

Statistics show that over 70% of drivers have purchased from the same company for at least the last four years, and 38% of drivers have never compared rate quotes at all. Colorado drivers can save nearly $605 each year by just shopping around, but they just don’t want to compare rate quotes online. Many insurers vie for your insurance dollar, so it can be very hard to choose a insurer to find the absolute lowest price on Ford Focus insurance in Aurora.

Car insurance providers offering affordable price quotes in Colorado

The providers in the list below offer free quotes in Colorado. In order to find cheap car insurance in Aurora, we recommend you visit two to three different companies to get a more complete price comparison.

Ford Focus insurance statistics and information

The rate information shown next covers estimates of insurance rates for Ford Focus models. Being more informed about how rate quotes are figured can aid in making informed decisions when comparing rates.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific location information which can modify premiums substantially.

Higher deductibles save money

One frequently asked question is which deductibles should you choose. The following insurance rates highlight the costs and benefits when you choose different physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific garaging location which can influence premium rates noticeably.

Based on the above data, using a $100 deductible costs about $25 more each month or $300 a year across all Ford Focus models than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 16 months between claims, you would probably be better off if you choose the higher deductible.

Verify you’re applying every discount

Auto insurance companies don’t always publicize every discount they offer in an easy-to-find place, so we researched some of the best known as well as the least known credits available to bring down your rates.

• Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a Aurora auto insurance quote.
• Save with a New Car – Buying auto insurance coverage on a new vehicle may earn a small discount since newer models are generally safer.
• Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Accident Free – Aurora drivers who stay claim-free can save substantially as compared to accident-prone drivers.
• Responsible Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than drivers with accidents.
• Early Signing – Select auto insurance companies give a discount for buying a policy before your current Focus insurance policy expires. You can save around 10% with this discount.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

The diagram below illustrates the comparison of Ford Focus yearly insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

• State Farm includes discounts for multiple policy, defensive driving training, student away at school, accident-free, and driver’s education.
• GEICO offers discounts for five-year accident-free, anti-theft, seat belt use, good student, membership and employees, and federal employee.
• Progressive policyholders can earn discounts including multi-policy, good student, online quote discount, multi-vehicle, continuous coverage, homeowner, and online signing.
• 21st Century may offer discounts for early bird, homeowners, anti-lock brakes, teen driver, student driver, defensive driver, and 55 and older.
• American Family has savings for TimeAway discount, good driver, Steer into Savings, defensive driver, air bags, and multi-vehicle.
• The Hartford offers discounts including air bag, defensive driver, good student, vehicle fuel type, anti-theft, driver training, and bundle.
• AAA has discounts for education and occupation, multi-car, good student, anti-theft, multi-policy, pay-in-full, and AAA membership discount.

Check with each insurance company how many discounts you can get. Savings might not be offered in your state. For a list of companies with the best discounts in Colorado, click here to view.

Which is the best auto insurance?

When it comes to the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine whether or not you may require specific advice.

• What happens if I owe more than my Ford Focus is worth?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered when using my vehicle for business?
• Are there companies who specialize in insuring high-risk drivers?
• How high should my medical payments coverage be?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance agencies can give valuable advice

A lot of people still like to talk to an insurance agent. Good insurance agents are trained to spot inefficiencies and will help you if you have claims. One of the best bonuses of comparing rate quotes online is the fact that drivers can get cheaper prices but also keep your business local.

By using this quick form, your insurance data is submitted to insurance agents in Aurora that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered immediately to you. In the event you want to get a comparison quote from a specific insurance company, just go to their quote page and complete a quote there.

Deciding on an insurance company needs to be determined by more than just a cheap quote. The questions below may impact your decision as well.

• How long have they been in business?
• What are the financial ratings for the companies they represent?
• Is the agency active in community causes in Aurora?
• How much training do they have in personal risk management?
• In the event of vehicle damage, can you pick the collision repair facility?
• Is there a local claims center in Aurora?
• How are they compensated?
• Is vehicle mileage a factor when determining depreciation for repairs?

When researching a good insurance agency, it helps to know the two different types of agents from which to choose. Agencies in Aurora are either independent or exclusive. Either one can insure your vehicles properly, but it’s worth mentioning the difference between them because it can factor into your selection of an agent.

Exclusive Agents

Agents that elect to be exclusive work for only one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to place coverage with different providers so you might not find the best rates. Exclusive agents are highly trained on what they offer which helps them compete with independent agents.

Below are Aurora exclusive insurance agencies that are able to give rate quotes.

More Aurora agents

Independent Agents (or Brokers)

Independent agents often have many company appointments and that allows them to write policies with multiple insurance companies and find the cheapest rate. If they quote lower rates, they simply move your policy to a different company and you stay with the same agent.

If you need lower rates, it’s a good idea to include rate quotes from independent agents in order to compare the most rates.

The following is a list of independent agencies in Aurora who can help you get rate quotes.

More Aurora agents

After receiving positive responses for all questions you ask and a low price estimate, you may have found an insurance agency that is reliable enough to provide auto insurance coverage.

Which auto insurance company is best in Colorado?

Selecting the right car insurance provider is difficult considering how many companies provide coverage in Colorado. The company ratings shown below could help you decide which companies to look at shopping your coverage with.

Top 10 Aurora Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Progressive – A+
9. Titan Insurance – A+
10. The Hartford – A+

Top 10 Aurora Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. Liberty Mutual
6. GEICO
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Cheaper insurance premiums are possible

Throughout this article, we presented some good ideas how to shop for Ford Focus insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In many instances, drivers have reduced collision coverage only to discover later they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Low-cost Ford Focus insurance in Aurora can be bought online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and many times these small insurance companies work with local independent agents.

How to buy discount Ford Focus insurance in Aurora

If you want to save money, the best way to get low-cost Ford Focus insurance in Aurora is to start doing an annual price comparison from companies who sell insurance in Colorado.

First, get an understanding of how companies price auto insurance and the measures you can take to prevent expensive coverage. Many risk factors that cause high rates like distracted driving and bad credit can be rectified by making minor changes in your lifestyle.

Second, get rate 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 agents can provide rate quotes from multiple insurance companies.

Third, compare the new rate quotes to your existing coverage to see if cheaper Focus coverage is available. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.

One piece of advice is to make sure you enter identical coverages on every quote and and to get price estimates from as many different companies as possible. Doing this helps ensure an accurate price comparison and a thorough selection of prices.

To read more, feel free to visit these articles:

• Tread Depth and Tire Safety (State Farm)
• Who Has Cheap Auto Insurance Quotes for Infrequent Drivers in Aurora? (FAQ)
• How Much are Auto Insurance Rates for Business Use in Aurora? (FAQ)
• Teen Driving Statistics (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Institute)