If saving the most money is your goal, then the best way to find affordable auto insurance rates in Aurora is to do an annual price comparison from providers in Colorado.
First, try to comprehend how car insurance works and the modifications you can make to prevent high rates. Many things that result in higher rates such as at-fault accidents, careless driving, and an unacceptable credit history can be amended by making minor changes in your lifestyle.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple sources.
Third, compare the new rate quotes to your existing policy to see if a cheaper price is available in Aurora. If you find a lower rate quote, make sure there is no lapse in coverage.
Fourth, provide written notification to your current company of your intention to cancel the current policy and submit a signed application and payment to the new insurer. When you receive it, put the proof of insurance certificate along with your vehicle registration.
One thing to point out is that you use the same coverage limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. This helps ensure a fair rate comparison and a better comparison of the market.
A study showed that a large majority of auto insurance policyholders kept buying from the same company for a minimum of four years, and almost half have never quoted rates to find affordable coverage. With the average auto insurance premium being $1,800, Colorado drivers can save $610 each year by just comparing quotes, but most undervalue the rate savings if they swap their current policy for a cheaper one.
This information will familiarize you with the best way to buy inexpensive auto insurance and some money-saving tips. If you already have coverage, you should be able to get lower rates using this information. Nevertheless, Colorado drivers benefit from understanding the way insurance companies sell online and take advantage of how the system works.
Companies offering Ford F-150 insurance in Colorado
The providers in the list below provide free rate quotes in Colorado. If you wish to find cheap auto insurance in Aurora, we recommend you visit as many as you can to get the most competitive price.
Statistics and details
The premium information below highlights estimates of insurance premium costs for Ford F-150 models. Learning as much as possible about how insurance premiums are formulated can help customers make smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$166||$244||$396||$24||$118||$948||$79|
|F-150 STX Regular Cab 2WD||$166||$312||$396||$24||$118||$1,016||$85|
|F-150 XL Super Cab 2WD||$166||$312||$396||$24||$118||$1,016||$85|
|F-150 XLT Regular Cab 2WD||$166||$312||$396||$24||$118||$1,016||$85|
|F-150 STX Super Cab 2WD||$166||$312||$396||$24||$118||$1,016||$85|
|F-150 XL Crew Cab 2WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XLT Super Cab 2WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 STX Regular Cab 4WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XL Regular Cab 4WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 FX2 Super Cab 2WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XLT Crew Cab 2WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XL Super Cab 4WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XLT Regular Cab 4WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XL Crew Cab 4WD||$214||$312||$396||$24||$118||$1,064||$89|
|F-150 STX Super Cab 4WD||$214||$312||$396||$24||$118||$1,064||$89|
|F-150 XLT Super Cab 4WD||$214||$312||$396||$24||$118||$1,064||$89|
|F-150 FX2 2WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 Lariat Super Cab 2WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 Lariat Crew Cab 2WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 FX4 Super Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 XLT Crew Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 FX4 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 Lariat Crew Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 SVT Raptor Super Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 Lariat Super Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 Lariat Crew Cab Platinum 2WD||$214||$448||$396||$24||$118||$1,200||$100|
|F-150 Lariat Crew Cab Harley 2WD||$214||$448||$396||$24||$118||$1,200||$100|
|F-150 Lariat King Ranch 2WD||$214||$448||$396||$24||$118||$1,200||$100|
|F-150 Lariat King Ranch 4WD||$238||$448||$396||$24||$118||$1,224||$102|
|F-150 Lariat Crew Cab Harley 4WD||$238||$448||$396||$24||$118||$1,224||$102|
|F-150 Lariat Crew Cab Platinum 4WD||$238||$448||$396||$24||$118||$1,224||$102|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can impact price quotes substantially.
Bad driving habits will cost you more
The chart below highlights how traffic violations and at-fault collisions drive up Ford F-150 yearly insurance costs for each different age group. The premiums are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Cost comparison with and without full coverage
The illustration below visualizes the comparison of Ford F-150 yearly insurance costs with and without full coverage. Data assumes no accidents or driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no exact formula that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s say your Ford F-150 replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after you pay the deductible. If you are paying more than $700 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Lower rates by qualifying for these six discounts
Some providers don’t always list their entire list of discounts very well, so the below list has a few of the more common and the more hidden credits available to you.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Senior Citizens – Mature drivers can get a small discount on rates.
- Defensive Driver Discounts – Taking a safe driver class can save you 5% or more and make you a better driver.
- Military Rewards – Having a family member in the military may qualify for rate reductions.
- Good Driver Discount – Accident-free drivers can save up to 40% or more on their Aurora auto insurance quote than drivers with accident claims.
- Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The chart below shows the difference between Ford F-150 yearly insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.
A few companies who might offer many of the previously listed discounts possibly include:
Before you buy a policy, ask all the companies which discounts you qualify for. All car insurance discounts might not be offered on policies in Aurora. To see providers who offer discounts in Aurora, follow this link.
Are auto insurance agents a thing of the past?
Certain consumers still prefer to get advice from a local agent. The biggest benefit of comparing rates online is you can get cheap car insurance quotes and still choose a local agent. Supporting local insurance agencies is important especially in Aurora.
After completing this short form, your insurance coverage information is instantly submitted to companies in Aurora who will gladly provide quotes and help you find cheaper coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go to you. It’s the lowest rates without a big time investment. If you need to get a comparison quote from a specific insurance company, you would need to go to their quote page and fill out the quote form the provide.
How to choose the best car insurance agent in Aurora
When searching for a reliable insurance agent, you should know the types of insurance agents and how they are distinctly different. Agencies in Aurora can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies
Agents that choose to be independent are normally appointed by many insurers so they can insure your vehicles with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house and you won’t have to switch agencies.
If you need cheaper car insurance rates, you should always get some free quotes from independent agents to have the most options to choose from. They often place coverage with small mutual carriers which may have better rates.
Below are independent agents in Aurora who can help you get comparison quotes.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map
- All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 – View Map
- A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map
Agents of this type can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. These agents are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are well trained on their company’s products which helps them sell on service rather than price. Drivers often choose to use an exclusive agent partially due to loyalty to the company rather than low rates.
Listed below is a short list of exclusive agencies in Aurora willing to provide price quote information.
- Allstate Insurance: Norma Contreras
4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327 – View Map
- American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877 – View Map
- Stacy Nimmo – State Farm Insurance Agent
1399 S Havana St #201-G – Aurora, CO 80012 – (303) 364-6900 – View Map
Choosing the best insurance agent requires more thought than just a cheap price quote. These questions are important to ask:
- Is the agency covered by Errors and Omissions coverage?
- Does the company use OEM repair parts?
- What company do they have the most business with?
- Is working in the agency their full-time job?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are they compensated?
- Will the agent or a CSR service your policy?
- In the event of vehicle damage, can you pick the collision repair facility?
Detailed coverages of your auto insurance policy
Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.
Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (which is 25/50/15), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, surgery, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Liability insurance will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/15 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things such as funeral expenses, legal defense fees, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
The chart below demonstrates why buying minimum limits may not be enough.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible on your F-150 to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from a tornado or hurricane, a broken windshield, damage from flooding and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
When searching for inexpensive Aurora auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.
The cheapest Ford F-150 insurance in Aurora is definitely available from both online companies in addition to local insurance agencies, so you need to shop Aurora auto insurance with both in order to have the best chance of saving money. Some insurance providers may not offer online rate quotes and most of the time these smaller companies only sell coverage through local independent agencies.
We just showed you a lot of information how to compare Ford F-150 insurance prices in Aurora. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
Additional car insurance information can be read at the links below
- Anti-Lock Brake FAQ (iihs.org)
- How Much is Auto Insurance After a Speeding Ticket in Aurora? (FAQ)
- Who Has Affordable Aurora Auto Insurance for Teenagers? (FAQ)
- Who Has Cheap Auto Insurance for a GMC Sierra in Aurora? (FAQ)
- What Insurance is Cheapest for a Honda Civic in Aurora? (FAQ)
- How Much are Aurora Car Insurance Quotes for 18 Year Olds? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)