It’s a known fact that insurance companies want to keep you from comparing prices. Drivers who shop around annually will presumably buy a different policy because there is a great chance of finding coverage at a more affordable price. Remarkably, a study showed that drivers who routinely shopped around saved over $72 a month as compared to drivers who never shopped around for lower prices.
If finding the cheapest price for car insurance in Aurora is your ultimate target, then having some knowledge of how to compare insurance rates can make the process more efficient.
The preferred way to find cheaper prices for Buick Rainier insurance is to begin comparing prices regularly from companies in Aurora. Price quotes can be compared by completing these steps.
- Try to learn about auto insurance and the factors you can control to prevent high rates. Many things that increase rates like your driving record and an unacceptable credit score can be amended by making minor changes to your lifestyle. Later in this article we will cover more ideas to prevent expensive rate increases and get discounts that may be available to you.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates from multiple insurance companies.
- Compare the new rate quotes to your existing policy and determine if there is any savings. If you can save money and buy the policy, make sure coverage does not lapse between policies.
One piece of advice is that you use identical limits and deductibles on every quote and and to get prices from as many companies as feasibly possible. Doing this helps ensure an accurate price comparison and the most accurate and complete price analysis.
Companies offering Buick Rainier insurance in Colorado
The following companies provide price quotes in Aurora, CO. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.
The Buick Rainier Insurance Cost Equation
Smart consumers have a good feel for the factors that go into determining your premiums. If you know what influences your rates, this enables informed choices that could result in better insurance rates.
Prices are affected by your address – Being located in a small town can save you money when trying to find low car insurance rates. Fewer drivers on the road means less chance of accidents and a lower car theft rate. People who live in big cities tend to have traffic congestion and more severe claims. More time on the road means more chance of being in an accident.
Marriage reduces risk – Your spouse may save some money when shopping for insurance. It is viewed as being more stable financially and insurance companies like that drivers who are married file infrequent claims.
Tough vocation may mean higher rates – Did you know your job can affect your rates? Jobs like military personnel, architects, and miners have higher rates than average due to job stress and long work hours. On the other hand, occupations such as farmers, students and homemakers receive lower rates.
Fast cars cost more to insure – The performance of the car you need to insure makes a significant difference in the rate you pay. The lowest rates are generally reserved for smaller low performance passenger models, but the cost you end up paying is determined by many additional factors.
Rate your vehicle for proper use – The more miles you rack up on your Buick each year the higher your rates will be. Most companies rate vehicles determined by how the vehicle is used. Autos that are left in the garage can be on a lower rate level compared to those used for work or business. An improperly rated Rainier may be wasting your money. Verify your declarations sheet reflects how each vehicle is driven.
Deductibles are a factor – Deductibles for physical damage tell how much you are willing to pay before your insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some instances where coverage would apply would be colliding with a stationary object, vandalism, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less your insurance will be.
These discounts can lower your insurance rates
Insurance is easily one of your largest bills, but companies offer discounts that can help lower your rates. Most are applied when you quote, but a few need to be asked for before they will apply.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance from them.
- Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
- Low Miles Discount – Low annual miles can earn substantially lower rates.
- Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current Rainier insurance policy expiration. You could save around 10% when you buy Aurora car insurance online.
- Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% as compared to drivers with claims.
One thing to note about discounts is that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
- State Farm may include discounts for Steer Clear safe driver discount, passive restraint, safe vehicle, Drive Safe & Save, good student, and defensive driving training.
- Farmers Insurance may offer discounts for homeowner, electronic funds transfer, distant student, mature driver, bundle discounts, and good student.
- GEICO offers discounts for five-year accident-free, federal employee, air bags, daytime running lights, defensive driver, multi-policy, and seat belt use.
- American Family may have discounts that include early bird, TimeAway discount, accident-free, defensive driver, and air bags.
- Nationwide has discounts for anti-theft, easy pay, defensive driving, business or organization, and accident-free.
- Progressive offers discounts including good student, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
If you need affordable Aurora car insurance quotes, ask each company or agent how you can save money. Discounts might not apply in Aurora. To view insurance companies that offer many of these discounts in Aurora, click here.
Local Aurora auto insurance agents
A small number of people would rather visit with an insurance agent and that is a personal choice. The best thing about comparing insurance prices online is that you can obtain the best rates and still buy from a local agent. Buying from and supporting local agents is important especially in Aurora.
To help locate an agent, after submitting this simple form, the coverage information is transmitted to participating agents in Aurora that provide free Aurora car insurance quotes for your insurance coverage. There is no reason to contact any agents since rate quotes are delivered directly to you. You can get cheaper insurance rates and work with a local agent. If for some reason you want to get a price quote from a specific company, just go to their quote page and fill out the quote form the provide.
Shown below is a short list of car insurance companies in Aurora willing to provide price quotes for Buick Rainier insurance in Aurora.
- GEICO Insurance Agent
1140 S Abilene St – Aurora, CO 80012 – (303) 798-3939 – View Map - A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map - Farmers Insurance – Patricia Rusho
13780 E Rice Pl #112 – Aurora, CO 80015 – (303) 317-2411 – View Map - Allstate Insurance: Norma Contreras
4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327 – View Map
Picking the best company requires more thought than just the bottom line cost. Any agent in Aurora should be willing to answer these questions.
- How long has the business existed?
- Can you contact them at any time?
- Will one accident increase rates?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the agency have a positive business rating?
- Does the company allow you to choose your own collision repair facility?
- Do they get extra compensation for selling add-on coverages?
- If they are an independent agency in Aurora, which companies do they recommend?
If you receive acceptable answers for all questions you ask and locked in a price quote, chances are good that you have found a company that will properly service your insurance policy. Keep in mind you are able to cancel your policy whenever you wish so don’t assume you’re contractually obligated to any particular company for the entire policy term.
Aurora car insurance companies ranked
Buying coverage from the right insurance provider is hard considering how many companies sell insurance in Aurora. The ranking information shown next could help you decide which auto insurance companies you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
We just covered a lot of tips how to lower your Buick Rainier insurance prices in Aurora. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the best prices are with some of the lesser-known companies.
When trying to cut insurance costs, you should never skimp on coverage in order to save money. In too many instances, an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Cost effective Buick Rainier insurance can be found from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online quoting and these small, regional companies only sell through independent insurance agents.
Other information
- Older Drivers FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Rates for High Mileage Drivers in Aurora? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- State Car Insurance Guides (GEICO)