It’s hard to believe, but most auto insurance buyers have been with the same company for at least the last four years, and practically 40% of auto insurance customers have never even shopped around for lower-cost coverage. With the average premium in Colorado being $1,813, drivers could cut their rates by almost 35% a year, but they just assume it takes a lot of time to compare rates and save money.
If saving the most money is your goal, then the best way to find cheaper Toyota Sienna insurance is to do an annual price comparison from providers in Aurora.
- Read about car insurance and the changes you can make to lower rates. Many policy risk factors that cause high rates such as speeding and a low credit rating can be controlled by making minor changes to your lifestyle. Read the full article for additional ideas to help prevent costly coverage and get bigger discounts.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can provide prices for a wide range of insurance providers.
- Compare the new quotes to your existing policy and determine if there is any savings. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
- Give notification to your agent or company to cancel your current coverage and submit payment and a signed application for your new coverage. Make sure you place the new certificate verifying proof of insurance in your vehicle.
The key aspect of shopping around is that you use the same physical damage deductibles and liability limits on every quote and and to analyze as many different companies as possible. This guarantees an apples-to-apples comparison and plenty of rates choose from.
If you are already insured or need a new policy, take advantage of these tips to cut your premiums without reducing protection. Finding and buying the cheapest policy in Aurora is not that difficult. Shoppers only have to learn the quickest way to shop their coverage around over the internet.
Best companies for Toyota Sienna insurance
The following companies are our best choices to provide free quotes in Colorado. If you wish to find the best car insurance in CO, we recommend you compare several of them to get a more complete price comparison.
Statistics and details
The rate table displayed next showcases a range of insurance coverage prices for Toyota Sienna models. Having a better understanding of how policy premiums are calculated can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $166 | $380 | $396 | $24 | $118 | $1,084 | $90 |
| Sienna LE | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| Sienna LE AWD | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| Sienna XLE | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| Sienna XLE AWD | $190 | $448 | $396 | $24 | $118 | $1,176 | $98 |
| Sienna Limited | $214 | $448 | $396 | $24 | $118 | $1,200 | $100 |
| Sienna Limited AWD | $214 | $448 | $396 | $24 | $118 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in your specific Aurora location which can decrease or increase price quotes considerably.
Analysis of deductible levels
One of the hardest decisions when shopping for insurance is where should you set your physical damage deductibles. The following tables can help show the rate differences when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $264 | $546 | $352 | $20 | $106 | $1,313 | $109 |
| Sienna LE | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Sienna LE AWD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Sienna XLE | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Sienna XLE AWD | $302 | $644 | $352 | $20 | $106 | $1,449 | $121 |
| Sienna Limited | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Sienna Limited AWD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $146 | $288 | $352 | $20 | $106 | $912 | $76 |
| Sienna LE | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Sienna LE AWD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Sienna XLE | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Sienna XLE AWD | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| Sienna Limited | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Sienna Limited AWD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific Aurora garaging location which can decrease or increase price quotes considerably.
We can derive from the above data that using a $100 deductible will cost you approximately $37 more each month or $444 annually than choosing the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 24 months between claims, you would come out ahead if you choose a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $117 |
| Average monthly premium for $1,000 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. You need to have access to more funds in the event you have to pay the deductible for vehicle repair.
The chart below demonstrates how deductible levels and can increase or decrease Toyota Sienna insurance prices for different ages of insureds. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Insurance discounts help lower rates for Toyota Sienna insurance in Aurora
The price of auto insurance can be rather high, but you might be missing out on some discounts that can help lower your rates. Some trigger automatically when you complete an application, but less common discounts must be manually applied before they will apply. If you are not receiving all the discounts available, you could be saving more on your insurance.
- Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company you could save nearly 15% which can help you find cheap Sienna insurance.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies may permit one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
- Save over 55 – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums.
- Switch and Save Discount – Select larger companies give a discount for renewing your policy before your current coverage expires. The savings is around 10%.
Please keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.
The example below visualizes the comparison of Toyota Sienna insurance premiums with and without discounts applied to the rates. The premiums are based on a male driver, no claims or driving violations, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, marriage, and multi-car discounts applied.
A list of companies and some of their more popular discounts are:
- American Family may include discounts for early bird, good student, TimeAway discount, air bags, mySafetyValet, and good driver.
- Nationwide may offer discounts for defensive driving, Farm Bureau membership, anti-theft, multi-policy, good student, accident-free, and business or organization.
- MetLife offers premium reductions for claim-free, multi-policy, defensive driver, accident-free, and good student.
- 21st Century offers discounts for homeowners, automatic seat belts, student driver, teen driver, early bird, and defensive driver.
- Farmers Insurance may have discounts that include good student, youthful driver, distant student, electronic funds transfer, early shopping, and business and professional.
- Allstate offers discounts including new car, eSmart discount, economy car, resident student, farm vehicle, and passive restraint.
If you want affordable Toyota Sienna insurance quotes, ask each insurance company what discounts are available to you. Some credits might not apply in Aurora. To find companies with the best discounts in Aurora, click here.
You may need specialized auto insurance coverage
When choosing the right insurance coverage, there really isn’t a single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions can aid in determining if you would benefit from professional advice.
- Does my policy pay for OEM or aftermarket parts?
- What does UM/UIM cover?
- Are there any extra discounts I can get?
- Does my personal policy cover me when driving out-of-state?
- What is the rate difference between pleasure use and commuting?
- Am I covered when delivering products for my home-based business?
- What is the difference between comprehensive and collision coverage?
- Do I need motorclub coverage?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.
Compare prices but still have a neighborhood Aurora auto insurance agent
A lot of people would prefer to buy from a local agent and doing so can bring peace of mind Agents can point out coverage gaps and help in the event of a claim. An additional benefit of comparing insurance prices online is you may find better rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), your coverage information is sent to companies in Aurora who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered immediately to your email address. If you need to quote rates from a particular provider, you can always go to their quote page and fill out the quote form the provide.
Finding a good insurer should include more criteria than just a low price. You should also get answers to these questions.
- Do they have 24-hour customer assistance?
- Will they make sure you get an adequate claim settlement?
- If they are an independent agency in Aurora, which companies do they recommend?
- Do they make recommendations based only on price?
- Does the agent have professional designations like CIC, CPCU or AIC?
Different types of Aurora auto insurance agents
When finding a reliable insurance agency, you should know the different types of agencies and how they can quote your rates. Insurance agencies in Aurora are classified as either exclusive or independent (non-exclusive). Either type can sell affordable car insurance policies, but it’s good to learn the difference between them because it can influence the kind of agent you use.
Exclusive Agents
These type of agents normally can only provide a single company’s rates like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell on service rather than price. Some consumers prefer to purchase coverage from exclusives mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following are Aurora exclusive agencies who may provide you with comparison quotes.
- State Farm Insurance Agency – Jason Hart
15201 E Moncrieff Pl e – Aurora, CO 80011 – (720) 920-9043 – View Map - Allstate Insurance: Norma Contreras
4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327 – View Map - Rick Simmons – State Farm Insurance Agent
14571 E Mississippi Ave – Aurora, CO 80012 – (303) 369-4100 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not sell for just one brand so as a result can place your coverage with any number of different companies and find the cheapest rate. If premiums increase, they can switch companies in-house which requires no work on your part. If you need cheaper car insurance rates, you will definitely want to compare quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most can insure with smaller mutual companies which may have better rates.
Shown below are Aurora independent insurance agencies willing to provide price quote information.
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map - L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map - Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr – Aurora, CO 80014 – (303) 577-9998 – View Map
How much can you save?
We just presented many tips how you can lower your Toyota Sienna insurance car insurance rates in Aurora. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the best car insurance rates are with an unexpected company.
When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.
Low-cost Toyota Sienna insurance in Aurora is definitely available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer online price quotes and many times these regional carriers only sell coverage through local independent agencies.
More resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for a Toyota Camry in Aurora? (FAQ)
- Who Has Cheap Aurora Car Insurance Rates for a Ford Fusion? (FAQ)
- Who Has Affordable Aurora Auto Insurance for Electric Cars? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Aurora? (FAQ)
- What Insurance is Cheapest for Real Estate Agents in Aurora? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Aurora? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)