It’s well known that auto insurance companies don’t want you to compare rates. Insureds who shop around for better prices are inclined to switch insurance companies because of the good chance of finding good coverage at a lower price. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved over $3,450 over four years as compared to drivers who never compared rates.
If saving money on auto insurance is your goal, then having some insight into how to choose a company and compare insurance coverage can help make the process easier and more efficient.
If you want to find the absolute lowest rates, then the best way to get low-cost auto insurance rates is to start doing a yearly price comparison from companies in Aurora. You can compare prices by following these guidelines.
Step 1: Take a little time to learn about how insurance works and the modifications you can make to prevent rate increases. Many rating criteria that are responsible for high rates like traffic tickets, fender benders, and a not-so-good credit rating can be amended by being financially responsible and driving safely. Continue reading for ideas to get low prices and get bigger discounts.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can provide prices from multiple companies.
Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Aurora. If you find a better price and switch companies, make sure there is no coverage gap between policies.
Step 4: Notify your company or agent of your decision to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to the new insurer. When you receive it, put the new certificate verifying coverage with your vehicle’s registration.
One important bit of advice is that you’ll want to compare the same deductibles and limits on each quote and and to get prices from as many companies as possible. This guarantees an apples-to-apples comparison and a better comparison of the market.
Most major insurance companies such as State Farm, Allstate and GEICO make it easy to get coverage price quotes directly from their websites. Getting online rates for Cadillac Deville insurance in Aurora is very simple as you just enter your coverage preferences into the form. When the form is submitted, their system pulls your driving record and credit report and returns a price quote based on many factors. Being able to quote online for Cadillac Deville insurance in Aurora helps simplify price comparisons, and it’s very important to get many rate quotes if you are searching for a lower rate.
To quickly fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. This ensures you are getting rate comparison quotes based on the exact same insurance coverage.
The companies shown below provide comparison quotes in Aurora, CO. To buy the best auto insurance in Aurora, CO, we recommend you click on several of them in order to get a fair rate comparison.
Why you need insurance for your vehicle
Despite the high cost of buying insurance for a Cadillac Deville in Aurora, buying auto insurance may be required and benefits you in several ways.
First, almost all states have minimum liability requirements which means the state requires a minimum amount of liability insurance in order to drive the car 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 your Deville has a lienholder, more than likely the lender will have a requirement that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Cadillac at a more expensive rate and require you to fork over the higher premium.
Third, insurance safeguards both your car and your personal assets. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Cadillac gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance more than cancel out the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $865 each year so compare quotes from several companies once a year at a minimum to save money.
Cadillac Deville insurance discounts in Aurora
Some companies don’t list every possible discount very well, so the following list contains both well-publicized and also the lesser-known ways to save on car insurance. If you do not check that you are getting every discount possible, you could be saving more on your car insurance.
- Sign Online – Some of the larger companies provide a small discount shop Aurora auto insurance online.
- Multi-line Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
- Multi-Vehicle Discounts – Insuring several vehicles on one policy can get a discount on all vehicles.
- Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Onboard Data Collection – Policyholders that allow their car insurance company to monitor driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Aurora auto insurance quote.
- Military Discounts – Being on active deployment in the military can result in better car insurance rates.
- Senior Citizen Rates – If you qualify as a senior citizen, you may receive lower premium rates.
- No Claim Discounts – Aurora drivers who stay claim-free can save substantially compared to frequent claim filers.
It’s important to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.
A few popular companies and the discounts they provide can be read below.
- American Family includes discounts for mySafetyValet, bundled insurance, defensive driver, good driver, and accident-free.
- Farm Bureau may have discounts that include 55 and retired, driver training, renewal discount, youthful driver, safe driver, multi-policy, and multi-vehicle.
- State Farm may offer discounts for safe vehicle, Steer Clear safe driver discount, driver’s education, passive restraint, multiple autos, accident-free, and multiple policy.
- Travelers may include discounts for new car, hybrid/electric vehicle, student away at school, good student, driver training, continuous insurance, and save driver.
- The Hartford discounts include defensive driver, vehicle fuel type, good student, air bag, anti-theft, and bundle.
- GEICO has discounts for military active duty, multi-policy, membership and employees, daytime running lights, and federal employee.
- Progressive has savings for online quote discount, online signing, continuous coverage, multi-policy, and multi-vehicle.
Double check with each insurance company how many discounts you can get. All car insurance discounts might not be offered everywhere. To see car insurance companies with the best discounts in Colorado, click here to view.
How to find a good Colorado auto insurance company
Choosing a good quality auto insurance company is difficult considering how many companies there are in Aurora. The ranking information in the next section may help you pick which coverage providers you want to consider when comparing rate quotes.
Top 10 Aurora Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Top 10 Aurora Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Nationwide
- Safeco
- Esurance