The recommended way to get discount Suzuki Equator insurance is to annually compare prices from insurers who can sell car insurance in Aurora. Prices can be compared by following these guidelines.
- Step 1: Spend some time learning about the coverage provided by your policy and the measures you can take to prevent high rates. Many factors that drive up the price like at-fault accidents, careless driving, and a poor credit score can be remedied by making minor changes to your lifestyle.
- Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
- Step 3: Compare the quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate, make sure there is no lapse in coverage.
- Step 4: Give notification to your agent or company to cancel your current car insurance policy. Submit the completed application along with a down payment to the new insurer. As soon as coverage is bound, store the certificate of insurance above your visor, in the console, or in the glove compartment.
The most important part of this process is to use the same physical damage deductibles and liability limits on each price quote and and to get quotes from every company you can. Doing this helps ensure an accurate price comparison and maximum price selection.
It’s safe to assume that auto insurance companies don’t want their policyholders to compare prices. Insureds who shop around once a year are highly likely to switch to a new company because there is a significant possibility of finding good coverage at a lower price. A recent survey discovered that consumers who shopped around saved on average $3,450 over four years compared to policyholders who never shopped around for better prices.
If finding the cheapest price for insurance is the reason you’re here, then having some knowledge of the best way to compare car insurance can help you succeed in saving money.
If you have coverage now or need a new policy, use these tips to reduce premiums while maximizing coverage. The goal of this article is to tell you how car insurance quotes work and some money-saving tips. Comparison shoppers just have to know the most efficient way to shop their coverage around from many different companies online.
Companies offer money-saving discounts on Suzuki Equator insurance in Aurora
Insurance is expensive, but you may find discounts that you may not know about. Certain reductions will be credited at the time of quoting, but a few need to be requested specifically prior to getting the savings.
- ABS Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off PIP or medical payments premium.
- Accident Waiver – This one is not really a discount per se, but certain companies will let one accident slide without the usual rate increase so long as you haven’t had any claims prior to the accident.
- Military Rewards – Being deployed with a military unit could trigger a small discount.
- Safety Course Discount – Taking a defensive driver class is a good idea and can lower rates and easily recoup the cost of the course.
- Smart Student Discounts – Being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Discount for Life Insurance – Larger insurance companies have a discount if you purchase life insurance.
It’s important to understand that most credits do not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.
The illustration below illustrates the comparison of Suzuki Equator insurance costs with and without some available policy discounts. The data is based on a male driver, no violations or accidents, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, homeowner, claim-free, and marriage discounts applied.
If you would like to see a list of insurance companies with significant discounts in Colorado, click here to view.
Lowering your car insurance rates can be surprisingly simple. Just take a few minutes to get quotes to find the company with inexpensive Aurora car insurance quotes.
The providers in the list below provide free rate quotes in Colorado. To find cheap auto insurance in Aurora, we suggest you click on several of them to find the cheapest auto insurance rates.
Analysis of coverages
The premium information displayed next highlights a range of insurance rates for Suzuki Equator models. Learning more about how auto insurance policy rates are figured can be useful when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $206 | $382 | $338 | $20 | $100 | $1,046 | $87 |
| Equator Ext Cab 2WD | $206 | $382 | $338 | $20 | $100 | $1,046 | $87 |
| Equator Ext Cab 2WD | $236 | $464 | $338 | $20 | $100 | $1,158 | $97 |
| Equator Ext Cab 2WD | $236 | $464 | $338 | $20 | $100 | $1,158 | $97 |
| Equator Ext Cab 4WD | $236 | $464 | $338 | $20 | $100 | $1,158 | $97 |
| Equator Crew Cab 4WD | $266 | $546 | $338 | $20 | $100 | $1,270 | $106 |
| Equator Crew Cab 4WD | $266 | $546 | $338 | $20 | $100 | $1,270 | $106 |
| Equator Crew Cab 4WD | $266 | $546 | $338 | $20 | $100 | $1,270 | $106 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can increase or decrease coverage prices considerably.
Safe drivers Aurora pay cheaper rates
The diagram below demonstrates how citations and accident claims raise Suzuki Equator auto insurance rates for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Car insurance cost for men versus women in Aurora
The chart below visualizes the comparison of Suzuki Equator insurance premiums for male and female drivers. The premiums are based on no claims or driving violations, full coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Full coverage rates vs. liability-only in Aurora
The diagram below illustrates the comparison of Suzuki Equator insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no violations or claims, $100 deductibles, marital status is single, and no additional discounts are factored in.
When to switch to liability coverage only
There is no definitive guideline of when to exclude full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Suzuki Equator settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If premiums are more than $700 annually to have full coverage, then it might be time to consider dropping full coverage.
There are a few cases where removing full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Independent or exclusive auto insurance agents
A lot of people would prefer to get advice from a local agent and that is OK! Insurance agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can find cheap auto insurance quotes but also keep your business local. Putting coverage with local insurance agencies is definitely important in Aurora.
To help locate an agent, after submitting this form (opens in new window), your insurance data is sent to local insurance agents that provide free Aurora car insurance quotes for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go immediately to your email address. If for some reason you want to compare prices from a specific company, just go to their quote page to submit a rate quote request.
Exclusive or Independent: There is a difference
When researching an insurance agent, you should know the different types of agencies to choose from. Auto insurance agents in Aurora can either be independent agents or exclusive agents depending on their employer. Both can properly insure your vehicles, but it’s important to know the difference between them since it could factor into your selection of an agent.
Independent Auto Insurance Agencies or Brokers
Agents that elect to be independent are not limited to a single company and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. To transfer your coverage to a different company, your agent can just switch to a different company and you can keep the same agent. If you need lower rates, we highly recommend that you get some free quotes from independent agents in order to compare the most rates. Most also have access to companies that do not advertise much which may have better rates.
Shown below are independent insurance agencies in Aurora who can help you get pricing information.
- L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map - All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 – View Map - Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates such as AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so they have to upsell other benefits. These agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point. Drivers often buy insurance from these agents mainly due to the prominent brand name rather than low price.
Below is a list of exclusive agents in Aurora that can give you price quote information.
- Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104 – Aurora, CO 80014 – (303) 755-3220 – View Map - Allstate Insurance: Jack Sughrue
2226 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 751-4701 – View Map - Farmers Insurance – Patricia Rusho
13780 E Rice Pl #112 – Aurora, CO 80015 – (303) 317-2411 – View Map
Finding a good auto insurance agent requires more thought than just a low price. These are valid questions to ask:
- Are they giving you every discount you deserve?
- What are their preferred companies if they are an independent agency?
- Is there a Errors and Omissions policy in force?
- How long has their agency been in business in Aurora?
- How much will you save each year by using a higher deductible?
- How experienced are they in personal risk management?
- Can you use your own choice of collision repair facility?
A little work can save a LOT of money
We just presented a lot of information how to reduce Suzuki Equator insurance prices online in Aurora. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable Aurora car insurance quotes. You may even find the best prices are with an unexpected company.
Affordable Suzuki Equator insurance in Aurora is available on the web in addition to many Aurora insurance agents, and you need to comparison shop both to have the best selection. A few companies may not provide rates over the internet and most of the time these regional carriers work with local independent agencies.
When you buy Aurora car insurance online, it’s a bad idea to skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.
More information is available at these links:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Affordable Aurora Auto Insurance Quotes for a Honda CR-V? (FAQ)
- How Much is Car Insurance for a Subaru Impreza in Aurora? (FAQ)
- How Much are Auto Insurance Quotes for a Dodge Ram in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Teen Driver Licensing Information (iihs.org)