Anyone knows that auto insurance companies don’t want you shop around. People who shop around for cheaper rates are likely to buy a new policy because of the good chance of finding better rates. A recent auto insurance study discovered that consumers who shopped around saved approximately $72 a month compared to those who never compared prices.
If saving the most money on car insurance in Aurora is your ultimate goal, then having a good understanding the best ways to shop for insurance coverage can make it easier for you to save money.
If you want to save money, the best way to get low-cost auto insurance rates in Aurora is to start doing an annual price comparison from insurance carriers who sell auto insurance in Colorado. You can shop around by following these guidelines.
Step 1: Take a few minutes and learn about policy coverages and the steps you can take to lower rates. Many things that are responsible for high rates like speeding and poor credit history can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover more information to find cheap rates and find additional discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates for many different companies.
Step 3: Compare the new rates to your current policy premium to see if a cheaper price is available in Aurora. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give notification to your agent or company of your intent to cancel your current coverage. Submit the completed application along with a down payment to your new insurance company. When you receive it, safely store the certificate verifying coverage in your glove compartment.
One key aspect when comparing rates is that you’ll want to make sure you compare similar coverage information on each price quote and and to compare every company you can. This enables the most accurate price comparison and a good representation of prices.
How to compare Mercury Sable insurance quotes in Aurora, Colorado
Just remember that obtaining a wide range of quotes helps improve the odds of finding lower pricing. Some smaller insurers do not give online rate quotes, so you also need to get rates from those companies as well.
The companies in the list below have been selected to offer quotes in Colorado. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get the best price comparison.
Choosing the best vehicle insurance in Colorado is an important decision
Despite the potentially high cost of Mercury Sable insurance, insuring your vehicle is not optional due to several reasons.
First, most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability coverage 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 you bought your Sable with a loan, it’s guaranteed your bank will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Mercury for a lot more money and make you pay the higher price.
Third, insurance protects not only your Mercury Sable but also your assets. It will also reimburse you for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. But the average American driver overpays more than $700 annually so shop around every year to ensure rates are inline.
Save a ton on Mercury Sable insurance in Aurora with these five insurance discounts
Buying insurance is not cheap, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited when you complete an application, but once in a while a discount must be manually applied before being credited. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will qualify for a discount on a Aurora car insurance quote.
- Save with More Vehicles Insured – Drivers who insure multiple vehicles with the same company can reduce rates for all insured vehicles.
- Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
- Discounts for Cautious Drivers – Safe drivers may save up to 50% more than drivers with accident claims.
- College Student Discount – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
As a footnote on discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
To find insurers who offer insurance discounts in Colorado, click here to view.
Compare rates but still have a local Aurora insurance agency
Many drivers just want to visit with an insurance agent and doing that can be a smart decision The best thing about comparing car insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, the coverage information is transmitted to local insurance agents that can provide free Aurora car insurance quotes for your car insurance coverage. It’s much easier because you don’t need to visit any agencies as quotes are delivered to you. You can find lower rates without having to waste a lot of time. If you have a need to quote rates from a particular provider, just jump over to their website to submit a rate quote request.
Picking an insurer requires you to look at more than just a cheap quote. Get answers to these questions too.
- Where would glass claims be handled in Aurora?
- Does the agency have a good rating with the Better Business Bureau?
- How does the company pay claims for a total loss?
- Is there any savings for paying the full premium?
- Will you work with the agent or an assistant?
- Are they able to influence company decisions when a claim is filed?
When finding a reliable insurance agency, you need to know there are two different types of agents and how they operate. Agents can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company like AAA, Allstate, and State Farm. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on their products and sales techniques and that allows them to sell at a higher price point.
Below is a list of exclusive agents in Aurora that are able to give comparison quotes.
Independent Car Insurance Agencies
Agents that choose to be independent often have affiliation with several companies so they can quote policies amongst many companies and find the cheapest car insurance rates. If premiums increase, your agent can switch companies which makes it simple for you.
If you are comparing rate quotes, we recommend you include price quotes from multiple independent agents to maximize your price options.
Shown below are independent insurance agencies in Aurora willing to provide price quotes.
After talking to the agent and getting satisfactory answers to any questions you have as well as a affordable price, you may have just found a car insurance agent that is a good match to insure your vehicles. Just remember it’s your coverage and you can cancel your coverage for any reason so never assume you are locked into the car insurance policy for any length of time.
Ratings for Colorado auto insurance companies
Insuring your vehicle with the highest-rated car insurance provider can be difficult considering how many choices there are in Aurora. The ranking data listed below could help you analyze which auto insurance companies you want to consider when shopping around.
Top 10 Aurora Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- Titan Insurance – A+
- The Hartford – A+
You may need specialized insurance coverage
When it comes to coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that.
For example, these questions might help in determining whether you would benefit from an agent’s advice.
- What does UM/UIM cover?
- Do I need medical payments coverage since I have good health insurance?
- Is pet coverage available?
- Am I covered when driving someone else’s vehicle?
- Should I have combined single limit or split liability limits?
- Does having multiple vehicles earn me a discount?
- Am I covered when delivering products for my home-based business?
- Where can I find DUI or SR-22 insurance?
- Am I better off with higher deductibles on my Mercury Sable?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Insurance coverages explained
Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Sable.
Since many Colorado drivers only purchase the least amount of liability that is required (25/50/15), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, rehabilitation expenses, chiropractic care and dental work. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, vandalism and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage – Collision insurance covers damage to your Sable from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as scraping a guard rail, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible on your Sable in order to get cheaper collision rates.
Liability auto insurance – Liability insurance can cover damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/15 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability coverage pays for claims such as attorney fees, medical expenses, medical services and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Colorado requires minimum liability limits of 25/50/15 but it’s recommended drivers buy higher limits.
The chart below demonstrates why the minimum limit may not be adequate.
A little work can save a LOT of money
A few companies may not have rates over the internet and many times these smaller providers sell through independent agents. Cheap Mercury Sable insurance in Aurora can be purchased online and with local Aurora insurance agents, so you should be comparing quotes from both to have the best selection.
We just showed you a lot of ways to get a better price on Mercury Sable insurance in Aurora. It’s most important to understand that the more you quote Aurora car insurance, the better your comparison will be. Consumers could even find that the lowest premium rates come from the smaller companies. Regional companies may only write in your state and offer lower prices than their larger competitors like State Farm and Allstate.
Additional detailed information is located in these articles:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Cheap Aurora Auto Insurance Rates for Welfare Recipients? (FAQ)
- How Much are Car Insurance Quotes for a Toyota RAV4 in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- How Much is Aurora Auto Insurance for Hybrid Vehicles? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)