Want to learn how to save money and find cheaper Buick Verano insurance in Aurora? Locating cheaper insurance for a Buick Verano in Colorado could be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to quote coverages on a Buick and obtain the lowest price from both online companies and Aurora agents.
It’s well known that auto insurance companies don’t want you to look for cheaper rates. Insureds who shop around for the cheapest rate are very likely to switch companies because they have a good chance of finding a more affordable policy. A recent auto insurance study discovered that consumers who made a habit of comparing rates saved $3,400 over four years compared to drivers who didn’t regularly shop around.
If finding budget-friendly rates on Buick Verano insurance is your objective, then having an understanding of how to shop and compare car insurance can help you succeed in saving money.
Most of the larger companies like 21st Century, Allstate and State Farm make it easy to get coverage price quotes direct online. Doing online quotes for Buick Verano insurance in Aurora is quite easy as you simply type in your coverage information on the page. Upon sending the form, the quote system obtains credit information and your driving record and returns a price quote determined by many factors.
The ability to get online rates for Buick Verano insurance in Aurora streamlines rate comparisons, and it’s necessary to do this if you want to find cheap car insurance pricing.
If you want to find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend that you enter coverages and limits as close as possible to your current policy. This guarantees you will get a rate comparison based on the exact same insurance coverage.
The companies shown below offer price quotes in Aurora, CO. To get the cheapest car insurance in Aurora, CO, it’s a good idea that you visit several of them to find the cheapest auto insurance rates.
Insurance is not optional
Despite the high insurance cost for a Buick Verano in Aurora, maintaining insurance is not optional due to several reasons.
First, most states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance coverage if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your vehicle has a loan, almost all lenders will require you to buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Buick for a much higher rate and make you pay for it.
Third, insurance protects both your assets and your Buick. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of buying insurance more than offset the price you pay, particularly for liability claims. But the average driver in Colorado is overpaying over $700 annually so smart consumers compare quotes at least once a year to make sure the price is not too high.
Aurora insurance discounts for a Buick Verano
Companies don’t always list their entire list of discounts very clearly, so the below list has a few of the more well known and also the more inconspicuous credits that you can use to lower your rates. If you do not double check each discount available, you are throwing money away.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
- Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower rate if you buy some life insurance in addition to your auto policy.
- Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off depending on your auto insurance provider.
- Clubs and Organizations – Being in specific professional or occupational memberships or organizations may earn a discount when shopping for auto insurance.
- Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
Discounts lower rates, but most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, you’re out of luck.
Car insurance companies that possibly offer some of the above discounts are:
If you need lower rates, check with each company or agent which discounts you qualify for. A few discounts might not be offered on policies in Aurora.
Insurance agencies can help
Some people would prefer to have an agent’s advice and that is a personal choice. Agents can help determine the best coverages and will help you if you have claims. A good thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. Supporting local agencies is definitely important in Aurora.
After filling out this simple form, the quote information gets sent to local insurance agents in Aurora who will give you bids and help you find cheaper coverage. There is no reason to drive around since rate quotes are delivered to your email. If for some reason you want to compare rates from a particular provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
If you prefer to buy auto insurance from a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they can write your policy. Auto insurance agencies are classified as either exclusive or independent (non-exclusive). Either can sell auto insurance policies, but it is a good idea to know the difference in the companies they write for since it may influence your selection of an agent.
Independent Auto Insurance Agencies
Independent agencies do not write with just one company so as a result can place your coverage with many different companies depending on which coverage is best. If your premiums go up, they simply switch companies in-house and you don’t have to do anything. When comparing auto insurance prices, we recommend you include rate quotes from at least one independent agent to ensure the widest selection of prices. Many can place coverage with different regional companies which can save you money.
Listed below is a small list of independent agents in Aurora who may be able to give you rate quotes.
- ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map - A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map - Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr – Aurora, CO 80014 – (303) 577-9998 – View Map
Exclusive Auto Insurance Agencies
These type of agents normally can only provide a single company’s rates and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on sales techniques which can be an advantage. Consumers often buy from exclusive agents mainly due to loyalty to the company rather than low price.
Below are exclusive insurance agencies in Aurora who can help you get price quote information.
- State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175 – View Map - Allstate Insurance: Roger Francis
18757 E Hampden Ave Ste 154 – Aurora, CO 80013 – (303) 792-3460 – View Map - Mark Vissering – State Farm Insurance Agent
1852 S Havana St – Aurora, CO 80012 – (303) 745-0034 – View Map
Choosing the best car insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:
- Can you contact them at any time?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the agent help file claims?
- How would your car be valued if totaled?
- Do they offer rental car reimbursement?
- What company holds the largest book of business for them?
- Are there any discounts that you might be missing?
If you feel you receive good responses to all your questions as well as a price you’re happy with, you have narrowed it down to an insurance agency that will provide auto insurance coverage. Just remember you have the power to terminate your policy for any reason so never feel that you are obligated to any specific agency with no way out.
Which policy gives me the best coverage?
Always keep in mind that when comparing coverage online or from an agent, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
These are some specific questions might point out if your situation may require specific advice.
- Is my babysitter covered when using my vehicle?
- Do I need added coverage for expensive stereo equipment?
- Is my camper covered for physical damage?
- What is an adequate liability insurance limit?
- How can I get my company to pay me more for my totaled car?
- When should I remove comp and collision on my Buick Verano?
- Who does medical payments coverage extend to?
- Where can I find high-risk insurance?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.
Car insurance policy coverages for a Buick Verano
Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Buick Verano.
Because many people carry very low liability coverage limits (which is 25/50/15), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, hospital visits, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as rolling your car, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Verano to bring the cost down.
Liability coverages – This protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/15 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability can pay for things like legal defense fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more coverage.
The chart below shows why buying low liability limits may not be high enough to cover claims.
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, theft and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Final considerations
We’ve covered a lot of information how to shop for Buick Verano insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest Buick Verano rate quotes. You may even discover the lowest car insurance rates are with a smaller regional carrier.
When you buy Aurora auto insurance online, it’s a bad idea to skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best cost but still have enough coverage for asset protection.
Cheaper Buick Verano insurance in Aurora is available both online and from local insurance agents, so you need to quote Aurora auto insurance with both to have the best selection. Some insurance providers do not provide rates over the internet and most of the time these small, regional companies sell through independent agents.
Steps to finding lower priced Buick Verano insurance in Aurora
If saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Aurora is to make a habit of regularly comparing prices from providers who can sell car insurance in Colorado. You can compare rates by following these guidelines.
- Take a little time to learn about how companies set rates and the modifications you can make to keep rates low. Many factors that are responsible for high rates like traffic violations, accidents, and a less-than-favorable credit history can be controlled by making minor changes in your lifestyle.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while agents who are independent can give you price quotes from many different companies.
- Compare the new rate quotes to your current policy and see if you can save money. If you find a better price, ensure coverage does not lapse between policies.
A tip to remember is to try to use the same physical damage deductibles and liability limits on every quote request and and to get prices from every insurance company. Doing this helps ensure a fair price comparison and a good representation of prices.
More tips and info about auto insurance can be read in these articles:
- Parking Tips to Reduce Door Dings (State Farm)
- What Car Insurance is Cheapest for 4×4 Vehicles in Aurora? (FAQ)
- Who Has Cheap Car Insurance Quotes for Veterans in Aurora? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)