One of the more important components that are looked at to determine car insurance rates is your address. More populated areas will most likely have higher rates, whereas areas with less congestion profit from lower rates.
The information below shows the priciest cities in Colorado for government employees to buy an auto insurance policy in. Aurora is ranked at #3 costing $1,361 for coverage, which is around $113 monthly.
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Information shown are approximated as the specific geographic location can affect coverage rates noticeably.
The type of vehicle you are insuring is a large factor when trying to find economical car insurance for government employees. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The information below ranks auto insurance prices for some of the cheapest automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$1,311|
|Ford Escape XLT 2WD||$1,403|
|Hyundai Elantra GLS Touring Station Wagon||$1,411|
|Ford F-150 FX2 Super Cab 2WD||$1,569|
|Ford Edge SE 2WD||$1,592|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,600|
|Nissan Rogue S AWD||$1,625|
|Chevrolet Silverado LT Extended Cab 2WD||$1,631|
|Chevrolet Equinox LTZ 2WD||$1,628|
|Chevrolet Impala LT||$1,661|
|Volkswagen Jetta S 4-Dr Sedan||$1,669|
|Toyota RAV4 Limited 4WD||$1,661|
|GMC Sierra SLE Regular Cab 2WD||$1,712|
|Chevrolet Malibu LS||$1,721|
|Toyota Camry Hybrid||$1,735|
|Dodge Grand Caravan Crew||$1,750|
|Ford Explorer Limited AWD||$1,759|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,753|
|Dodge Ram Quad Cab Sport 4WD||$1,763|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can lower or raise premium rates substantially.
Based upon the rates shown, we can conclude that models like the Honda CR-V, Ford Escape, Hyundai Elantra, Toyota Prius, and Ford F-150 are some of the most budget-friendly vehicles to insure for state and federal workers.
Driving violations and accidents
A great way to snag the most affordable insurance rates in Aurora for state and federal workers is to drive safe and avoid accidents and violations. The illustration below illustrates how traffic citations and accident claims raise insurance costs for different age categories. The premium estimates are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,131. Factor in one speeding ticket and the average cost hikes up to $1,322, an increase of $191 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for government employees goes up to an average of $1,845. That's an increase of $714, or $59 per month, just for not maintaining a clean driving record!
Get discounts on Aurora auto insurance
Insurance companies that offer cheap quotes for government employees may also give you price discounts that can lower rates by 40% or more if you are eligible to receive them. Larger insurance companies and a selection of discounts can be found below.
- Esurance has discounts for safety device, good driver, online quote, emergency road assistance, multi-policy, and Switch & Save.
- The Hartford offers discounts for anti-theft, driver training, bundle, defensive driver, air bag, vehicle fuel type, and good student.
- AAA includes discounts for pay-in-full, multi-car, education and occupation, good driver, multi-policy, and AAA membership discount.
- GEICO offers discounts including air bags, five-year accident-free, good student, anti-theft, and driver training.
- State Farm may have discounts that include defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, student away at school, and good student.
The diagram below illustrates the comparison of insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, passive restraint, homeowner, vehicle safety, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, theamount saved on insurance for government employees is 28% or $662.
The benefits of price comparisons
Aurora insurance rates are calculated based on many things that may substantially change the cost of a policy. Simply having a birthday, getting married, or getting a driving violation may generate price changes resulting in some rates now being more affordable than competitors. Not only may your risk profile change, but insurance companies change the rates they charge in Colorado at least once a year in order to be able to pay unexpected claims. A period of increased losses may cause higher prices, while a lower level of claims may result in cheaper Aurora car insurance rates.
To illustrate this point, the bar chart below shows rates for the cheapest car insurance in Aurora, CO for a 45-year-old female driver with no prior claims, no tickets, and good credit. When quoting prices based on her current risk profile, The Hartford may have the best car insurance rates in Aurora at $1,085 per year. This is $493 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the rest of the cheapest Aurora, CO auto insurance companies.
The next chart shows rates after we give the driver from the above example an accident claim, bad credit, and an imperfect driving record. Because each insurer has a unique approach to set policy rates, comparing rates most likely will result in a different set of affordable Aurora car insurance companies as shown below.
GEICO now has the best price in Aurora with State Farm, American Family, Grange, and Progressive now being in the top five. This example demonstrates why consumers need to spend some time comparing rates to get cheap car insurance rates for government employees. Rates can be altered by many different factors and can decrease or increase without notice, so the best price the last time you shopped your coverage around may now be quite expensive.
How to find economical auto insurance for government employees
It is possible to find better rates, and here are some of the better money-saving solutions that can help you quote cheap car insurance.
- Do not pay for full coverage on older vehicles
- Buy a car with high safety ratings
- Increase your comprehensive and collision deductibles
- Pay lower rates with good credit
- Maintain a clean driving record
- Being accident-free can lower rates significantly
- Compare prices frequently to find the best deal
That last tip is especially important, as was affirmed in this piece. Prices charged by companies can be changed at any time, so don't be hesitant to switch to a new company if a more affordable price is available. Sticking with a specific company is fine, but it's not a great idea if that inflexibility results in costing you potentially thousands of dollars a year. If you have a few minutes, compare rates to find cheaper car insurance for government employees in Aurora.
The agencies below can help you make a decision which coverage fits your budget, as some people have coverage questions and would like to have a little guidance when comparing insurance rates for government employees. It can be challenging to do it yourself, and getting advice from a licensed agent can provide you comfort knowing you have enough protection.
To locate an Aurora auto insurance agent near you, click the button following the list.
Jody Roberts - State Farm Insurance Agent
15260 E Hampden Ave - Aurora, CO 80014 - (303) 693-1650
Melissa Kitowski - State Farm Insurance Agent
13750 E Rice Pl Ste 101 - Aurora, CO 80015 - (303) 680-6666
Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104 - Aurora, CO 80014 - (303) 755-3220
American Family Insurance - Denise M. Franklyn
13768 E Quincy Ave - Aurora, CO 80015 - (303) 693-8968
2241 S Peoria St # 202 - Aurora, CO 80014 - (303) 337-3600