You have probably watched the catchy advertisements from insurers like Nationwide, State Farm, and Allstate that promise huge savings, so drivers should just choose the one with the flashiest ad, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknowns like if you are married or single, if you have a lapse in coverage, how old you are, and whether you want full coverage, that help determine the price you have to pay. This article should teach you a little about the best ways to find cheap car insurance and also should give you a solid foundation to find cheaper car insurance in Colorado.
The car, truck, or SUV that needs insurance is a large consideration that determines whether or not you can buy the cheapest insurance for drivers with accidents. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer models. The information below features car insurance premiums for a selection of the cheapest automobiles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$3,465|
|Hyundai Elantra SE Touring Station Wagon||$3,561|
|Honda CR-V EX-L 4WD||$3,574|
|Jeep Wrangler Sport 4WD 2-Dr||$3,630|
|Ford Escape Limited 4WD||$3,776|
|Ford F-150 XLT Regular Cab 2WD||$3,845|
|Honda Odyssey LX||$3,854|
|Chevrolet Malibu LS||$3,927|
|Toyota RAV4 4WD||$3,933|
|Chevrolet Impala LT||$3,927|
|Ford Explorer Eddie Bauer 2WD||$3,967|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,031|
|Toyota Tacoma Double Cab 4WD||$4,108|
|Ford Fusion S 4-Dr Sedan||$4,114|
|Jeep Grand Cherokee Laredo 4WD||$4,169|
|Dodge Grand Caravan Hero||$4,177|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$4,177|
|Chevrolet Equinox LTZ AWD||$4,182|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$4,217|
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Data rating is based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in your specific Aurora, CO location which can decrease or increase prices greatly.
By looking at the data, we can tell that cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Jeep Wrangler, and Ford Escape are a few of the most affordable vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will be higher anyway because there is more claim risk for drivers with accidents, but in general those makes and models will tend to have the least expensive rates compared to all other vehicles.
For drivers with at-fault accidents, one of the largest criteria that are used to help calculate the amount you pay for auto insurance is where you live. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The information below shows the most expensive areas in Colorado for drivers with accidents to purchase car insurance in. Aurora comes in at #2 with the annual price of $1,417 on average, which is around $118 each month.
|Rank||City||Average Per Year|
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Price information shown is comparative as the specific garaging location can decrease or increase premiums substantially.
Deciphering which insurers offer the lowest-priced auto insurance rates for drivers with accidents requires a little more sweat in order to find a policy that fits your budget.
Every insurance provider has a unique approach to set policy rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Aurora, CO. It’s important that readers know that Aurora, CO auto insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. Simply having a birthday, buying a home instead of renting, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than before.
Find Cheaper Car Insurance for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford quotes some of the lowest car insurance rates in Aurora at around $850 a year. Grange, USAA, Nationwide, and Auto-Owners also qualify as some of the most economical Aurora, CO insurance companies.
As the rates illustrate above, if you are currently insured with USAA and switched to The Hartford, you may see an annual savings of upwards of $189. Policyholders with Nationwide might save as much as $271 a year, and Auto-Owners insureds might cut rates by $306 a year.
To see how much you can save, click here to start a quote or feel free to get quotes from the companies below.
Bear in mind that those estimates are averages across all types of drivers and the different vehicles they drive and do not factor in an exact location for drivers with accidents. So the car insurance company that fits your needs best may not even be in the top 21 companies shown above. That underscores the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
Get discounts on Aurora insurance rates
Insurers that sell policies for drivers with accidents could also offer premium discounts that could reduce prices by 30% or more if you can meet the requirements. Popular auto insurance companies and their offered discounts can be read below.
- State Farm includes discounts for multiple policy, anti-theft, multiple autos, accident-free, student away at school, Steer Clear safe driver discount, and driver’s education.
- Liberty Mutual may include discounts for teen driver discount, multi-car, new vehicle discount, newly retired, hybrid vehicle, newly married, and good student.
- American Family offers discounts for accident-free, good driver, bundled insurance, multi-vehicle, and air bags.
- Progressive discounts include good student, continuous coverage, multi-vehicle, online quote discount, multi-policy, homeowner, and online signing.
- Farmers Insurance policyholders can earn discounts including pay in full, electronic funds transfer, mature driver, alternative fuel, youthful driver, and homeowner.
- Auto-Owners Insurance has discounts for anti-theft, air bags, anti-lock brakes, paperless, and group or association.
- SAFECO may have discounts that include multi-car, teen safe driver, anti-lock brakes, bundle discounts, and homeowner.
The illustration below compares car insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, one accident and no citations, Colorado state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, vehicle safety, multiple vehicle, marriage, homeowner, and paid-in-full discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for drivers with accidents is 28% or $652.
Buying coverage from a good quality car insurance company can be challenging considering how many different companies sell coverage in Colorado. The company rank data displayed below can help you select which car insurance providers to look at when shopping car insurance rates for drivers with accidents. These rankings only include the largest companies in America, so companies that only write business in Colorado or surrounding areas are not included in these rankings.
Top 10 Major Car Insurance Companies in Aurora Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- The General
Does full coverage make sense?
Reducing the cost of auto insurance is important to the majority of vehicle owners, and one easy way to find cheap insurance for drivers with accidents is to only pay for liability coverage. The chart below shows the comparison of annual premium costs with full coverage and liability only. Data assumes no violations or claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.
On average, comprehensive and collision coverage on your policy costs an extra $2,743 per year over and above liability only. Lot’s of drivers question if paying for full coverage is a waste of money. There is no set guideline to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
How to find budget-friendly auto insurance for drivers with accidents
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Colorado drivers get cheaper car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Do not get traffic violations
- Raise your deductibles
- The safer your car, the less it costs to insure
- Clean up your credit rating
- Compare rates regularly and switch companies to save money
The last suggestion is extraordinarily crucial, as we emphasized in this article. Prices charged by auto insurers in Aurora can change considerably in a year, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available. We understand brand loyalty, but it’s not recommended if that stubbornness costs you a small fortune. It only take a few minutes to compare prices and find cheaper insurance for drivers with accidents.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when buying car insurance for drivers with at-fault accidents, the agencies below can probably help you determine which coverages you need. To locate an Aurora car insurance agency close to where you live, click the link at the bottom.
Mike Gibbs – State Farm Insurance Agent
3140 S Parker Rd #2 – Aurora, CO 80014 – (303) 699-2800
Farmers Insurance – Patricia Rusho
13780 E Rice Pl #112 – Aurora, CO 80015 – (303) 317-2411
Mark Vissering – State Farm Insurance Agent
1852 S Havana St – Aurora, CO 80012 – (303) 745-0034
Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave – Aurora, CO 80015 – (303) 690-6700
Allstate Insurance: Jeff Heinrich
5001 S Parker Rd – Aurora, CO 80015 – (303) 773-2019