A recent NerdWallet.com study revealed that almost 70% of insureds in Colorado kept their policy with the same company for a minimum of four years, and nearly the majority have never shopped around. Many consumers in the U.S. can cut their rates by nearly 47% a year just by comparing rates, but they mistakenly think it’s difficult to shop around.
Truthfully, the best way to get affordable auto insurance rates in Aurora is to regularly compare quotes from companies who can sell car insurance in Colorado.
- Spend some time learning about how auto insurance works and the measures you can take to drop your rates. Many rating factors that increase rates such as getting speeding tickets and an imperfect credit score can be amended by making small lifestyle or driving habit changes. Keep reading for information to lower rates and get additional discounts.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while independent agencies can quote rates for many different companies. View prices
- Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company of your intention to cancel your current coverage. Submit a completed application and payment for your new coverage. Once the paperwork is finalized, put the certificate of insurance in an easily accessible location in your vehicle.
One tip to remember is to try to use similar limits and deductibles on each quote request and to quote with as many car insurance companies as possible. Doing this enables a fair rate comparison and the best price quote selection.
When looking for affordable BMW Z4 insurance quotes, there are a couple ways to compare rate quotes from many available insurance companies in Colorado. The easiest way to find the cheapest BMW Z4 insurance rates consists of shopping online.
When comparing insurance rates, know that comparing a large number of companies helps improve the odds of finding more affordable rates. Some smaller insurers do not give online Aurora Z4 insurance quotes, so you should also compare prices from the smaller companies as well.
The following companies can provide free rate quotes in Colorado. To get cheap car insurance in Aurora, we suggest you visit several of them to get a more complete price comparison.
Insurance rate breakdown
The information shown below showcases a range of insurance costs for BMW Z4 models. Being aware of how insurance prices are calculated can help customers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $294 | $608 | $314 | $18 | $94 | $1,328 | $111 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $294 | $608 | $314 | $18 | $94 | $1,328 | $111 |
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in specific Aurora garaging location which can decrease or increase insurance rates greatly.
Higher deductibles lower rates
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The following insurance rates can help show the cost difference when you buy lower versus higher comp and collision deductibles. The first rate table uses a $250 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $342 | $620 | $298 | $18 | $90 | $1,393 | $116 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $342 | $620 | $298 | $18 | $90 | $1,393 | $116 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $278 | $500 | $298 | $18 | $90 | $1,184 | $99 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $278 | $500 | $298 | $18 | $90 | $1,184 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in garaging location in Aurora which can decrease or increase premiums significantly.
Based on this data, using a $250 deductible would cost the average driver about $17 more each month or $204 a year across all BMW Z4 models than requesting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 15 months between claim filings, you would save more money if you decide on a higher deductible.
Cheap BMW Z4 insurance in Aurora
The cost of insuring your cars can be expensive, but you might find some hidden discounts that you may not even know about. Certain reductions will be credited when you complete an application, but once in a while a discount must be asked for prior to getting the savings.
- Discount for Life Insurance – Some insurance carriers give a lower rate if you buy a life policy as well.
- Accident Forgiveness – This one is not really a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
- Senior Discount – Older drivers may be able to get reduced rates.
- Auto/Home Discount – When you combine your auto and home insurance and insure them with the same company you may earn 10% to 20% off each policy.
- Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
- Low Mileage Discounts – Low mileage vehicles can qualify you for cheaper premium rates.
One thing to note about discounts is that most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.
The illustration below illustrates the difference between BMW Z4 insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving citations, 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 multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.
For a list of insurers with discount auto insurance rates in Colorado, click here to view.
Why you need insurance
Even though it can be expensive, insuring your vehicle is required in Colorado but it also protects you in many ways.
- Most states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance if you drive a vehicle. 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 you have a lien on your Z4, it’s most likely the lender will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your BMW at an extremely high rate and force you to pay for the much more expensive policy.
- Insurance protects not only your BMW but also your assets. It will also cover most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $700 annually so we recommend shopping around at every policy renewal to save money.
How to find a good Aurora auto insurance company
Finding the top auto insurance company can be difficult considering how many companies are available to choose from in Aurora. The ranking information listed below could help you pick which car insurance providers to look at when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
When to have guidance from an insurance agency
A small number of people still prefer to get advice from a local agent and often times that is recommended An additional benefit of comparing car insurance online is the fact that drivers can get lower prices but still work with a licensed agent.
Upon completion of this short form, your information is submitted to local insurance agents in Aurora who will give you quotes and help you find cheaper coverage. You don’t have to leave your computer due to the fact that quote results will go straight to your inbox. You can get cheaper car insurance rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and give them your coverage information.
Deciding on an provider needs to be determined by more than just the bottom line cost. You should also get answers to these questions.
- Will they take your side in the event of a claim?
- By raising physical damage deductibles, how much would you save?
- Are they in the agency full-time?
- Do they offer accident forgiveness?
- Are they actively involved in the community?
Choose the right car insurance agent
If you prefer to buy car insurance from a reliable agent, you need to know there are two different agency structures that you can select. Agents in Aurora may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company like American Family, State Farm, and Allstate. These agents are not able to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are highly trained on their company’s products which helps them compete with independent agents. Some consumers prefer to use the same agent primarily because of the prominent brand name rather than having low rates.
Listed below is a list of exclusive agents in Aurora that can give you comparison quotes.
- American Family Insurance – Patricia Davis
1627 S Havana St e – Aurora, CO 80012 – (303) 360-9831 – View Map - Allstate Insurance: Mark Graham
1450 S Havana St Ste 308 – Aurora, CO 80012 – (303) 755-2600 – View Map - Greg Gallegos-State Farm Insurance Agent
4550 S Reservoir Rd, D – Aurora, CO 80015 – (720) 242-6011 – View Map
Independent Insurance Agents
These type of agents do not sell for just one brand so they can insure your vehicles with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, your agent can switch companies and that require little work on your part.
When searching for an agent, you should always get several quotes from independent agents to have the most options to choose from. Most also have access to smaller companies who may have lower rates.
Shown below is a list of independent insurance agents in Aurora that are able to give price quote information.
- ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map - A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 – View Map - L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map