Unbelievable but true according to a study almost 70% of insureds have bought auto insurance from the same company for a minimum of four years, and nearly half have never compared rates from other carriers. Many consumers in Aurora can save about $600 each year by just shopping around, but they don’t want to take the time to compare rate quotes online.
If you want to find the absolute lowest rates, then the best way to find the cheapest price for Chevy SS insurance is to compare quotes annually from companies who provide car insurance in Aurora.
First, spend a few minutes and learn about car insurance and the factors you can control to keep rates down. Many rating criteria that result in higher rates like speeding tickets, careless driving and a poor credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for more ideas to help keep prices low and earn a bigger discount.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
Third, compare the price quotes to your existing rates and see if you can save money. If you can save some money and buy the policy, verify that coverage does not lapse between policies.
Fourth, notify your agent or company of your intention to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the new company. Once the paperwork is finalized, keep your new certificate of insurance in an easily accessible location in your vehicle.
A good tip to remember is to use the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. Doing this provides a level playing field and the best price selection.
If you have a current insurance policy or just want to reduce your rates, follow these tips to buy cheaper insurance without reducing protection. Finding and comparing the cheapest coverage in Aurora is not as difficult as people think. You just have to use the proper methods to compare rates online.
The best way we recommend to compare rate quotes for Chevy SS insurance in Aurora utilizes the fact most larger insurance companies will pay a fee to compare their rates. The one thing you need to do is give them some information including deductibles desired, whether you are married, any included safety features, and how much school you completed. Your rating data is submitted instantly to multiple different insurance companies and you will receive price estimates quickly.
To check car insurance prices now, click here and enter the information requested.
The companies in the list below offer price quotes in Aurora, CO. If multiple companies are listed, it’s a good idea that you visit as many as you can to get the best price comparison.
Lower-cost Chevy SS insurance rates in Aurora
Auto insurance is expensive, but you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but a few must be specially asked for prior to getting the savings. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.
- Accident Forgiveness – Not a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
- Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
- Good Grades Discount – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
- Clubs and Organizations – Belonging to a qualifying organization is a simple method to lower premiums when shopping for auto insurance.
- Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you better rates if you take out life insurance.
- No Claim Discounts – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
- Senior Citizens – Seniors can get a small discount on rates.
- Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Companies that possibly offer most of these discounts are:
When comparing rates, check with all the companies how many discounts you can get. All car insurance discounts may not apply in Aurora.
Auto insurance is available from local agents
A small number of people would prefer to talk to a local agent and that is just fine! Good agents can point out coverage gaps and will help you if you have claims. One of the best bonuses of getting online price quotes is that drivers can save money and get cheap auto insurance quotes and still choose a local agent. Supporting local agencies is important especially in Aurora.
By using this quick form, your insurance data is instantly submitted to local insurance agents who will gladly provide quotes to get your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. If you want to compare rates from a specific company, you can always visit that company’s website and fill out the quote form the provide.
What types of auto insurance agents are in Aurora?
When searching for an insurance agent, it’s important to understand the different types of agents that you can choose from. Aurora agents are classified as either independent agents or exclusive agents depending on their employer. Both types of agents can properly insure your vehicles, but it’s important to point out the difference in how they write coverage because it can influence your selection of an agent.
Independent Insurance Agents
These type of agents do not work for one specific company so they can quote policies with many different companies and get the cheapest rates. If they find a cheaper price, your agent can just switch to a different company which is easy for the insured. When comparing rates, you should always include price quotes from multiple independent agents to get the best comparison. Most independent agents also contract with companies that do not advertise much which could offer lower prices.
The following are independent insurance agencies in Aurora that can give you rate quotes.
- A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map
- Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map
Exclusive Insurance Agents
Exclusive agents can only write with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets. Drivers often buy from exclusive agents mostly because of the brand legacy and strong financial ratings.
Below is a short list of exclusive insurance agencies in Aurora who can help you get comparison quotes.
- Farmers Insurance – Holly Mullins
14221 E 4th Ave #100 – Aurora, CO 80011 – (303) 366-7101 – View Map
- Allstate Insurance: Mark Graham
1450 S Havana St Ste 308 – Aurora, CO 80012 – (303) 755-2600 – View Map
- Scott Underwood State Farm Insurance
15322 E Alameda Pkwy #25 – Aurora, CO 80017 – (303) 745-3174 – View Map
Picking the best car insurance agent requires you to look at more than just a cheap price quote. These are some questions you should get answers to.
- Does the company have a solid financial rating?
- Which members of your family are coverage by the policy?
- Do they feel the quoted coverages are adequate?
- Is there any savings for paying the full premium?
- How many years have they been established?
- Is there a Errors and Omissions policy in force?
- Is assistance available after office hours?
How Your SS Insurance Prices are Determined
One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that go into determining your premiums. If you have some idea of what influences your rates, this enables informed choices that could help you find big savings.
Shown below are a partial list of the pieces utilized by car insurance companies to help set rates.
The type of car, truck or SUV makes a difference – The performance level of the vehicle you are buying insurance for makes a big difference in your rates. The lowest rates will normally be found when insuring economy passenger cars, but other factors influence the final cost greatly.
Rural vs Urban Areas – Choosing to live in areas with lower population can save you money when talking about insurance. Less people translates into fewer accidents. Drivers who live in large Colorado cities regularly have much more traffic and more time behind the wheel. Spending more time driving means more chance of being in an accident.
Tickets cost more than a fine – Being a careful driver can have a huge impact on auto insurance premiums. Even a single ticket can increase rates by twenty percent. Careful drivers receive lower rates as compared to those with violations. Drivers who have careless violations such as DUI or willful reckless driving may find that they have to to complete a SR-22 with their state DMV in order to continue driving.
Bad credit will cost you – Having a bad credit score is a big factor in determining what you pay. If your credit can use some improvement, you may save money insuring your Chevrolet SS if you improve your credit rating. Drivers who have high credit ratings tend to be less risk to insure than those with lower credit ratings.
Liability coverage limits are a factor – Your insurance policy’s liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
Drive lots and pay more – The more you drive your Chevy in a year’s time the more you’ll pay to insure it. Most insurance companies calculate prices based upon how much you drive. Autos left parked in the garage cost less to insure than vehicles that are driven to work every day. Ask your agent if your insurance declarations sheet states the correct usage for each vehicle. A policy that improperly rates your SS may be costing you higher rates.
Insurance loss data for a Chevy SS – Car insurance companies use statistical claims data when determining insurance costs. Vehicles that historically have increased losses will have higher rates for specific coverages.
The next table shows the collected loss data for Chevy SS vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Percentages below 100 suggest a positive loss record, while numbers above 100 point to more claims or an increased probability of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying the right Chevy vehicle insurance in Colorado is an important decision
Even though it can be expensive, insuring your vehicle is required in Colorado but also provides important benefits.
First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to license the vehicle. 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 car has a loan, almost every bank will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Chevy at a much higher rate and force you to pay the higher price.
Third, insurance preserves not only your vehicle but also your assets. Insurance will pay for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance definitely exceed the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $820 a year so we recommend shopping around at every policy renewal to ensure rates are competitive.
Cheaper auto insurance rates are available
When searching for cheaper Aurora car insurance quotes, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.
Drivers switch companies for a number of reasons such as lack of trust in their agent, delays in paying claims, extreme rates for teen drivers or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be less work than you think.
You just read a lot of tips how to reduce Chevy SS insurance premium rates online in Aurora. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best premium rates are with some of the smallest insurance companies.
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