The recommended way to find discount car insurance rates in Aurora is to begin comparing prices regularly from different companies in Colorado.
First, spend a few minutes and learn about individual coverages and the factors you can control to keep rates low. Many rating criteria that drive up the price such as multiple speeding tickets and your credit history can be remedied by making lifestyle changes or driving safer.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies. Begin your rate comparison
Third, compare the quotes to your current policy to determine if you can save on Rav4 insurance. If you find a better price and buy the policy, make sure there is no lapse in coverage.
Fourth, provide adequate notice to your current company to cancel your current policy. Submit payment along with a signed and completed policy application for your new policy. Once the application is submitted, place your new certificate verifying proof of insurance in an accessible location in your vehicle.
A good tip to remember is to try to use the same amount of coverage on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and many rates to choose from.
It goes without saying that car insurance companies don't want policyholders to compare prices from other companies. Insureds who compare other rates are inclined to move their business because of the good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that consumers who regularly compared rates saved as much as $3,500 over four years compared to those who never compared rates.
If finding discount rates on Toyota Rav4 insurance is your intention, knowing the best way to shop and compare coverage rates can help simplify the task of finding more affordable coverage.
Finding the best-priced coverage in Aurora can be fairly easy. In essence, every driver who is looking for a better price on auto insurance will probably find lower prices. But Colorado vehicle owners must know how insurance companies market insurance on the web and use it to your advantage.
Get cheaper rates with discounts
Not too many consumers would say auto insurance is affordable, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be asked about in order for you to get them. If they aren't giving you every credit possible, you could be paying more than you need to.
- Low Miles Discount - Keeping the miles down on your Toyota may allow you to get slightly better prices than normal.
- Early Switch Discount - A few larger companies allow discounts for buying a new policy before your current expiration date. The savings is around 10%.
- Own a Home and Save - Owning your own home or condo may trigger a policy discount on auto insurance since owning and maintaining a home is proof of financial responsibility.
- Theft Prevention System - Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Aurora car insurance quote.
- Auto/Life Discount - Not all auto insurance companies offer life insurance, but some may give you better auto insurance rates if you take out a life insurance policy as well.
- ABS Braking Discount - Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
- Pay Early and Save - By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
- Responsible Drivers - Insureds without accidents may save up to 50% more compared to accident prone drivers.
While discounts sound great, it's important to understand that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, it doesn't quite work that way. Any amount of discount will lower your overall bill.
The example below shows the difference between Toyota Rav4 annual premium costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims, a clean driving record, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, claim-free, homeowner, and marriage discounts applied.
Auto insurance companies who may offer most of the discounts above include:
When comparing rates, check with every insurance company which discounts you qualify for. Some discounts may not apply to policies in Aurora.
The are a couple different ways to compare rate quotes from lots of Colorado insurance companies. The simplest method to compare rates is to perform an online rate comparison.
Doing price comparisons online is so simple that it makes it a waste of time to go to different Aurora agent offices. Comparing Toyota Rav4 insurance rate quotes online has made agencies unnecessary unless you have a complicated situation and need the extra assistance that only an agent can give. Drivers can compare the best prices online but have your policy serviced through an agent.
Just remember that making a lot of price comparisons helps increase your odds of locating the best price. Not every company allows you to get online Aurora Rav4 insurance quotes, so you need to compare prices from those companies as well.
The providers in the list below can provide free quotes in Colorado. If you want to find the best cheap auto insurance in Aurora, we recommend you click on several of them to find the most competitive car insurance rates.
The premium table displayed below outlines estimates of insurance coverage prices for Toyota Rav4 models. Having a better understanding of how insurance policy rates are calculated can be useful when making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$144||$282||$368||$22||$110||$926||$77|
|RAV4 Limited 2WD||$144||$282||$368||$22||$110||$926||$77|
|RAV4 Limited 4WD||$144||$282||$368||$22||$110||$926||$77|
|RAV4 Limited 4WD||$144||$282||$368||$22||$110||$926||$77|
|RAV4 Sport 4WD||$144||$282||$368||$22||$110||$926||$77|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can change premium rates considerably.
The example below shows how different deductible levels and can change Toyota Rav4 insurance prices for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Exclusive versus independent insurance agents
A small number of people just want to talk to an insurance agent. The biggest benefit of comparing rates online is that drivers can save money and get cheap insurance rates but also keep your business local. And providing support for neighborhood insurance agencies is especially important in Aurora.
To make it easy to find an agent, after completing this simple form, your coverage information gets sent to local insurance agents in Aurora who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to drive around since rate quotes are delivered to you. It's the lowest rates without a big time investment. If for some reason you want to get a comparison quote from a particular provider, you can always jump over to their website and give them your coverage information.
Different types of auto insurance agents in Aurora
If you want a reliable insurance agent, there are two different types of agents that you can choose from. Agencies in Aurora may be either independent or exclusive.
Independent Insurance Agents
Agents that elect to be independent do not write with just one company so they can insure your vehicles amongst many companies and get you the best rates possible. To transfer your coverage to a different company, your agent can just switch to a different company and you don't have to find a new agent. When comparing insurance rates, we highly recommend that you include price quotes from independent agents to have the most options to choose from.
Shown below is a list of independent agencies in Aurora that can give you free insurance rate quotes.
BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents write business for a single company such as Farmers Insurance and State Farm. They are unable to compare other company's rates so they have no alternatives for high prices. These agents are trained well in insurance sales and that allows them to sell at a higher price point.
Listed below is a list of exclusive insurance agencies in Aurora willing to provide price quote information.
Finding the right insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- Do you need full coverage on every vehicle?
- Are they primarily personal or commercial lines agents in Aurora?
- Does the agent have a valid license to sell insurance in Colorado?
- Are they able to influence company decisions when a claim is filed?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are aftermarket or OEM parts used to repair vehicles?
Colorado auto insurance companies ranked
Finding a high-quality auto insurance company can be a challenge considering how many companies there are to choose from in Colorado. The ranking information in the lists below could help you select which coverage providers you want to consider shopping prices with.
Top 10 Aurora Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
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+
One last thing to lower rates
You just read a lot of techniques to get a better price on Toyota Rav4 insurance in Aurora. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding cheaper Aurora car insurance quotes. You may even discover the biggest savings come from an unexpected company. They may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
As you shop your coverage around, make sure you don't reduce needed coverages to save money. In many cases, an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your goal is to get the best coverage possible for the lowest price and still be able to protect your assets.
Much more information about car insurance in Colorado is located at the links below
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Aurora Auto Insurance Rates for Drivers Under 21? (FAQ)
- Who Has Affordable Aurora Auto Insurance Quotes for a Honda CR-V? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Single Moms in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- How Much are Aurora Car Insurance Quotes for 18 Year Olds? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)