Truthfully, the best way to find cheaper auto insurance rates in Aurora is to start doing an annual price comparison from insurers in Colorado. You can compare rates by following these steps.
- Get a basic knowledge of how car insurance works and the changes you can make to prevent expensive coverage. Many rating factors that drive up the price such as traffic tickets, fender benders, and a less-than-favorable credit score can be remedied by paying attention to minor details.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can quote prices from many different companies. View prices
- Compare the new quotes to your existing coverage and determine if there is any savings. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
An important note is to use the same deductibles and limits on every price quote and and to get price quotes from as many carriers as you can. Doing this enables a fair rate comparison and the best price selection.
A recent study showed that most drivers in Colorado have bought insurance from the same company for four years or more, and just short of a majority have never even compared quotes to find lower-cost rates. American drivers can save hundreds of dollars each year by just comparing quotes, but they just don’t understand how much they could save if they changed companies.
The auto insurance companies shown below have been selected to offer price quotes in Colorado. If you want to find cheap car insurance in Aurora, we suggest you click on several of them to get the cheapest price.
Auto insurance statistics and figures
The information shown below highlights different rate quotes for Mitsubishi Outlander models. Having a good understanding how rate quotes are calculated can benefit drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander SE 4WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander SE 4WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander SE 2WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander SE 2WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander ES 4WD | $164 | $330 | $362 | $22 | $108 | $986 | $82 |
| Outlander XLS 2WD | $186 | $390 | $362 | $22 | $108 | $1,068 | $89 |
| Outlander XLS 4WD | $186 | $390 | $362 | $22 | $108 | $1,068 | $89 |
| Outlander GT-S AWC 4WD | $186 | $390 | $362 | $22 | $108 | $1,068 | $89 |
| Outlander GT-S AWC 4WD | $186 | $390 | $362 | $22 | $108 | $1,068 | $89 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase rates noticeably.
Rate comparison for different deductibles
One of the most common auto insurance questions is which deductibles should you choose. The tables below may help to conceptualize the premium difference between low and high physical damage coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander SE 4WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander SE 4WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander SE 2WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander SE 2WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander ES 4WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Outlander XLS 2WD | $306 | $538 | $298 | $18 | $90 | $1,275 | $106 |
| Outlander XLS 4WD | $306 | $538 | $298 | $18 | $90 | $1,275 | $106 |
| Outlander GT-S AWC 4WD | $306 | $538 | $298 | $18 | $90 | $1,275 | $106 |
| Outlander GT-S AWC 4WD | $306 | $538 | $298 | $18 | $90 | $1,275 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander SE 4WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander SE 4WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander SE 2WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander SE 2WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander ES 4WD | $220 | $368 | $298 | $18 | $90 | $994 | $83 |
| Outlander XLS 2WD | $250 | $434 | $298 | $18 | $90 | $1,090 | $91 |
| Outlander XLS 4WD | $250 | $434 | $298 | $18 | $90 | $1,090 | $91 |
| Outlander GT-S AWC 4WD | $250 | $434 | $298 | $18 | $90 | $1,090 | $91 |
| Outlander GT-S AWC 4WD | $250 | $434 | $298 | $18 | $90 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can raise or lower coverage prices significantly.
Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $15 more each month or $180 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 17 months between claim filings, you would most likely save money by going with a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $101 |
| Average monthly premium for $500 deductibles (subtract): | – $86 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important issue to know is that raising deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will necessitate some funds available in the event you have to pay the higher deductible in order to repair your vehicle.
Rate increases following a ticket or accident
The information below illustrates how violations and at-fault collisions can increase Mitsubishi Outlander insurance prices for each different age group. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Does full coverage make sense?
The example below shows the difference between Mitsubishi Outlander auto insurance costs with full coverage compared to only the Colorado minimum liability coverage. The price estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to drop comp and collision
There is no exact rule for excluding physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s assume your Mitsubishi Outlander replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your deductible. If you are paying more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Your situation helps dictate your coverage
When it comes to coverage online or from an agent for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed.
Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.
- Is my babysitter covered when using my vehicle?
- Why am I required to buy high-risk coverage?
- Do I need PIP coverage since I have good health insurance?
- Can I drive in Mexico and have coverage?
- Is my dog or cat covered if injured in an accident?
- What happens if I owe more than my Mitsubishi Outlander is worth?
- Can I get by with minimal medical coverage if I have good health insurance?
- Should I pay a claim out-of-pocket?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.
Are auto insurance agents of importance?
Some people would rather go talk to an agent and that is a personal choice. Agents will help you protect your assets and give you someone to call. An additional benefit of price shopping on the web is the fact that you can find cheap auto insurance quotes and still have a local agent.
To make it easy to find an agent, after completing this simple form, your insurance coverage information gets sent to companies in Aurora who will gladly provide quotes for your insurance coverage. You never need to drive around since price quotes are sent to your email. In the event you want to get a comparison quote from a specific company, you just need to find their quoting web page and fill out their quote form.
Finding a good company should include more criteria than just a cheap price quote. Any agent in Aurora should be forthright in answering these questions:
- How long have they worked with personal auto insurance coverage?
- Can you use your own choice of collision repair facility?
- Does the agency have a good rating with the Better Business Bureau?
- What are their preferred companies if they are an independent agency?
- Do you need full coverage on every vehicle?
- How does the company pay claims for a total loss?
- Are they giving you every discount you deserve?
Listed below is a list of auto insurance companies in Aurora that may be able to provide price quote information for Mitsubishi Outlander insurance in Aurora.
- Allstate Insurance: Danielle Shannon Agency
6820 S Liverpool St d – Aurora, CO 80016 – (303) 676-8071 – View Map - GEICO Insurance Agent
1140 S Abilene St – Aurora, CO 80012 – (303) 798-3939 – View Map - American Family Insurance – Steve Sellers Agency Inc.
15200 E Girard Ave Ste 4025 – Aurora, CO 80014 – (303) 696-2698 – View Map - ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map