Who Has Cheap Auto Insurance for Postal Workers in Aurora?

Locating low-priced insurance is not always easy, and deciding which company offers the cheapest insurance rates for postal workers will take a little more work. Each insurer uses a different method for setting prices, so let’s take a look at the insurance companies that tend to have lower prices in Aurora.

We do need to point out that Aurora, CO insurance rates are determined by lots of factors that control the price you pay for coverage. This price variation is why it is critical to compare lots of rates to find cheap auto insurance quotes for postal workers. Prices can be determined by many risk factors and change substantially, so the cheapest company the last time you checked may now be quite expensive.

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Cheapest auto insurance in Colorado ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $978
3 USAA $999
4 Nationwide $1,143
5 Travelers $1,183
6 GEICO $1,187
7 Auto-Owners $1,204
8 State Farm $1,222
9 American Family $1,262
10 Amica $1,340
11 Progressive $1,362
12 Allied $1,497
13 California Casualty $1,502
14 Colorado Farm Bureau $1,592
15 Farmers $1,613
16 MetLife $1,830
17 Allstate $1,994
18 Encompass $2,253
19 Safeco $2,522
20 Titan $2,711
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The Hartford may offer some of the cheapest car insurance rates in Aurora at around $825 annually. This is $753 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers are also some of the best Aurora, CO insurance companies.

As illustrated above, if you are a policyholder with Nationwide and switched to Grange, you may see an annual premium reduction of upwards of $165. Customers with Travelers might save as much as $205 a year, and GEICO policyholders might lower prices by $209 a year.

To find the cheapest rates for your vehicle, click here or visit several of the following companies.

It’s important to note that these policy prices are averaged for all drivers and vehicles and and are not figured with a specific zip code for postal workers. So the company that has the cheapest price for you may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

One of the more important things that are looked at to determine auto insurance rates is where you normally keep your vehicle in Aurora. Areas with high crime rates or more dense population likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The table below shows the priciest cities in Colorado for postal workers in which to purchase auto insurance. Aurora makes the list at #2 having an annual price of $1,403 for the average insurance policy, which is approximately $117 per month.

How much is auto insurance in Aurora, CO?
Rank City Average Per Year
1 Pueblo $1,440
2 Aurora $1,403
3 Denver $1,397
4 Northglenn $1,342
5 Security-Widefield $1,330
6 Colorado Springs $1,329
7 Ken Caryl $1,326
8 Lakewood $1,324
9 Thornton $1,320
10 Centennial $1,317
11 Commerce City $1,314
12 Westminster $1,272
13 Parker $1,270
14 Arvada $1,269
15 Littleton $1,267
16 Castle Rock $1,248
17 Brighton $1,235
18 Highlands Ranch $1,229
19 Broomfield $1,203
20 Longmont $1,179
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Premium amounts are approximated as the specific area where the vehicle is garaged can affect rates noticeably.

The car, truck, or SUV you are seeking coverage for is a significant factor when consumers are trying to find the best cheap car insurance for postal workers. Vehicles with higher performance, a lack of advanced safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models. The data below features car insurance premiums for the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Aurora, CO
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $1,319
Honda CR-V LX 4WD $1,371
Ford F-150 XL Regular Cab 2WD $1,431
Ford Escape Limited 4WD $1,445
Hyundai Elantra SE Touring Station Wagon $1,451
Ford Explorer Eddie Bauer 4WD $1,463
Toyota Prius $1,478
Dodge Grand Caravan CV $1,488
Toyota Camry XLE $1,512
Jeep Grand Cherokee SRT-8 4WD $1,540
Chevrolet Equinox LTZ 2WD $1,549
Volkswagen Jetta SEL 4-Dr Sedan $1,540
Chevrolet Malibu LTZ $1,546
Nissan Rogue S 2WD $1,540
Toyota Corolla XRS $1,548
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,567
Chevrolet Impala LT $1,572
Toyota RAV4 Sport 2WD $1,578
Ford Edge SEL 2WD $1,582
Ford Focus SES 2-Dr Coupe $1,617
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in garaging location in Aurora, CO which can influence prices greatly.

Looking at the numbers, we can tell that cars like the Honda Accord, Honda CR-V, Ford F-150, and Ford Escape are the most budget-friendly vehicles to insure for postal employees.

Difference between liability only and full coverage rates

Buying cheaper insurance is probably important to the majority of drivers, and one of the fastest ways to find cheap insurance for postal workers is to not buy full coverage. The illustration below visualizes the comparison of insurance rates with full coverage compared to only the Colorado minimum liability coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

If all age groups are averaged, full coverage on your policy costs an additional $1,967 per year more than just insuring for liability. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,500 after paying your deductible. If you are paying in excess of $350 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Get discount Aurora auto insurance rates

Insurance for postal employees in Aurora, COAuto insurance companies that provide coverage for postal workers may have discounts that could lower prices by as much as 30% if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts include:

The example below compares yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female 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 insurance cost with no discounts. The second shows the rates with accident-free, safe-driver, marriage, anti-theft, passive restraint, and multiple vehicle discounts applied. When discounts are applied, theaverage yearly reduction on insurance for postal workers is 28% or $584.

The illustration below shows how choosing a deductible can change annual premium costs when searching for cheap insurance for postal workers. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could lower rates by $376 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $566 by using a $1,000 deductible. Young drivers, like the 20-year-old, could roll back prices as much as $966 each year just by choosing larger deductibles. When choosing a higher deductible, it is essential to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.