A recent insurance study discovered that most insurance policyholders have been with the same company for at least four years, and just under half have never shopped around. Many consumers in Colorado could save approximately 35% a year, but they just don’t understand the benefits if they switched to a more affordable policy.
If you want to save the most money, the best way to find the cheapest price for Chevy City Express insurance in Aurora is to compare quotes annually from different companies that sell auto insurance in Colorado. You can compare prices by following these guidelines.
First, gain an understanding of car insurance and the changes you can make to lower rates. Many policy risk factors that drive up the price such as speeding tickets, careless driving and poor credit history can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover instructions to prevent high rates and find more discounts that you may not know about.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can quote rates for many different companies.
Third, compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find better rates and switch companies, make sure coverage does not lapse between policies.
The key aspect of shopping around is to make sure you’re comparing the same deductibles and limits on each quote and and to get quotes from as many auto insurance providers as possible. This provides a level playing field and plenty of rates choose from.
Many insurance companies such as 21st Century, Allstate and State Farm provide coverage price quotes on the web. Getting quotes for Chevy City Express insurance in Aurora doesn’t take much effort as you just type in your personal and coverage information into the quote form. Upon sending the form, the system automatically orders credit information and your driving record and quotes a price. Using the web to get quotes for Chevy City Express insurance in Aurora simplifies rate comparisons, and it’s necessary to compare as many rates as possible if you want to get the most affordable insurance rates.
To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter the coverages as close as possible to your current policy. Doing this assures you will have a rate comparison for the exact same coverage.
The car insurance companies shown below are our best choices to provide free quotes in Aurora, CO. In order to find the best auto insurance in CO, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Auto insurance statistics and figures
The coverage table displayed below highlights a range of insurance rates for Chevy City Express models. Having a good understanding how auto insurance premiums are established is important for drivers to make decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$126||$244||$396||$24||$118||$908||$76|
|City Express Cargo 1500 2WD||$126||$296||$396||$24||$118||$960||$80|
|City Express Cargo 3500 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express 2500 LT 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express 2500 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express 2500 LS 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express 3500 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express Cargo 1500 AWD||$144||$296||$396||$24||$118||$978||$82|
|City Express 1500 LS 2WD||$144||$296||$396||$24||$118||$978||$82|
|City Express 1500 LS AWD||$144||$350||$396||$24||$118||$1,032||$86|
|City Express 1500 AWD||$144||$350||$396||$24||$118||$1,032||$86|
|City Express 1500 LT 2WD||$144||$350||$396||$24||$118||$1,032||$86|
|City Express Cargo 1500 Turbo Diesel 2WD||$144||$350||$396||$24||$118||$1,032||$86|
|City Express Cargo 2500 Turbo Diesel 2WD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express 3500 LT 2WD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express 3500 LS 2WD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express 3500 2WD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express 1500 LT AWD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express Cargo 3500 Turbo Diesel 2WD||$162||$350||$396||$24||$118||$1,050||$88|
|City Express Cargo 1500 Turbo Diesel AWD||$162||$350||$396||$24||$118||$1,050||$88|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can alter coverage prices substantially.
How careless driving impacts Aurora auto insurance rates
The example below highlights how speeding tickets and at-fault fender-benders can drive up Chevy City Express insurance costs for each different age group. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
Difference between full coverage and liability only rates
The information below shows the comparison of Chevy City Express insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no exact rule of when to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Chevy City Express book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If premiums are more than $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Insurance discounts help lower rates for Chevy City Express insurance in Aurora
Car insurance can cost a lot, but you may find discounts to help offset the cost. Some trigger automatically when you purchase, but once in a while a discount must be manually applied before you will receive the discount.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Aurora and do not have a car may be able to be covered for less.
- Club Memberships – Being in a qualifying organization can get you a small discount on your policy.
- One Accident Forgiven – This one isn’t a discount, but some insurance companies will let one accident slide without the usual rate increase so long as you haven’t had any claims for a set time period.
- Early Switch Discount – A few insurance companies give discounts for switching companies before your current expiration date. This discount can save up to 10%.
Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.
The information below shows the difference between Chevy City Express insurance premiums with and without discounts applied to the premium. The data is based on a male driver, a clean driving record, no claims, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, safe-driver, and marriage discounts applied.
Companies who may offer most of the discounts above include:
If you need lower rates, check with every insurance company how you can save money. Some of the earlier mentioned discounts may not apply in Aurora.
Auto insurance is not optional in Colorado
Even though it’s not necessarily cheap to insure a Chevy in Aurora, auto insurance is required in Colorado but it also protects you in many ways.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to drive the car 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.
- If you took out a loan on your Chevy, it’s guaranteed your bank will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Chevy at an extremely high rate and force you to pay for it.
- Auto insurance protects both your car and your assets. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. But the average American driver is overpaying more than $810 a year so compare rates once a year at a minimum to ensure rates are competitive.
Comparing rates from local Aurora car insurance agents
Some people still prefer to have an agent’s advice and that can be a great decision One of the great benefits of price shopping on the web is that you can obtain cheap rate quotes and still have an agent to talk to.
After filling out this form (opens in new window), your insurance coverage information is transmitted to companies in Aurora who will give you quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent directly to your email. You can find the lowest rates without having to waste a lot of time. In the event you want to get a price quote from a specific insurance company, don’t hesitate to find their quoting web page to submit a rate quote request.
Finding the right insurer requires more thought than just a cheap price. Any agent in Aurora should be willing to answer these questions.
- If you raise deductibles, how much can you save?
- Do they offer claims assistance after hours?
- How many years have they been established?
- What is their Better Business Bureau rating?
- Do they receive special compensation for putting your coverage with one company over another?
- Where would your vehicle be repaired?
- If you have an accident, will your rates go up?
- Is the quote a firm price?
If you would like to find a good Aurora insurance agent, it’s helpful to know the types of agencies to choose from. Car insurance agents can be classified as either independent agents or exclusive agents depending on their employer.
Agents of this type can only provide pricing for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agencies are usually well trained on sales techniques and that can be a competitive advantage.
Listed below are Aurora exclusive agencies who may provide you with comparison quotes.
Independent Agents (or Brokers)
Agents that choose to be independent can sell policies from many different companies and that gives them the ability to insure with a variety of different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move your policy to a different company and you can keep the same agent. If you need cheaper car insurance rates, it’s recommended you include a few independent agents for maximum quote selection.
The following is a short list of independent agencies in Aurora willing to provide comparison quotes.
Insurance coverage basics
Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/15), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Coverage for liability – This will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/15 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $15,000.
Liability coverage protects against claims such as loss of income, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but drivers should carry more liability than the minimum.
The next chart shows why low liability limits may not be high enough to cover claims.
Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like vandalism, fire damage and theft. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage – This coverage will pay to fix damage to your City Express resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible on your City Express to bring the cost down.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, funeral costs, EMT expenses, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage