If you are new to online auto insurance, most likely you are overwhelmed by the crazy number of online companies all offering big savings in Aurora.
Amazingly, almost 70% of drivers kept their coverage with the same auto insurance company for a minimum of four years, and 38% of customers have never shopped around. Drivers in Aurora could save approximately $600 every year, but most undervalue the rate savings if they switched.
You should take the time to get comparison quotes every six months because prices tend to go up over time. Even if you think you had the best deal on Buick Enclave insurance in Aurora a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to reduce your cost while increasing coverage.
The method we recommend to compare car insurance company rates for Buick Enclave insurance in Aurora is to realize most larger insurance companies provide online access to quote your coverage. The one thing you need to do is give the companies some data like if it has an anti-theft system, the ages of drivers, coverage limits, and if your license is active. The data is submitted instantly to many different companies and you will receive price estimates quickly.
To start a quote now, click here and complete the form.
The following companies offer price quotes in Colorado. If multiple companies are listed, we recommend you compare several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Enclave CX 2WD||$250||$434||$352||$20||$106||$1,162||$97|
|Enclave CX AWD||$294||$662||$396||$24||$118||$1,494||$125|
|Enclave XL 2WD||$264||$528||$368||$22||$110||$1,292||$108|
|Enclave XL AWD||$310||$496||$362||$22||$108||$1,298||$108|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can influence price quotes greatly.
Buick Enclave insurance premiums by gender and age
The chart below illustrates the comparison of Buick Enclave car insurance rates for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Analysis of deductible levels
The information below demonstrates how deductibles and can affect Buick Enclave insurance prices for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Discounts for affordable auto insurance quotes
Some insurers don't list every discount very well, so the next list breaks down some of the more common as well as some of the hidden discounts you could be receiving when you buy Aurora auto insurance online.
- Aurora Homeowners Discount - Just being a homeowner can earn you a little savings because maintaining a house demonstrates responsibility.
- Drivers Ed for Students - Require your teen driver to enroll in driver's education in school or through a local driver safety program.
- Save over 55 - Drivers over the age of 55 may qualify for reduced rates.
- Club Memberships - Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
- Low Miles Discount - Fewer annual miles on your Buick may enable drivers to earn lower rates on the low mileage vehicles.
As a sidenote, many deductions do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn't make money that way.
To see a list of insurers that offer multiple discounts in Aurora, click this link.
Best reasons to buy insurance in Colorado
Despite the fact that insurance is not cheap in Aurora, insurance is most likely required but also gives you several important benefits.
First, most states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance coverage in order to get the vehicle licensed. 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 vehicle with a loan, almost all lenders will require that you have full coverage to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the bank will be required to insure your Buick at a much higher rate and force you to pay a much higher amount than you were paying before.
Third, insurance preserves both your assets and your car. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, your insurance policy will cover the repair costs.
The benefits of insuring your Enclave definitely exceed the cost, especially when you need to use it. The average driver in America is wasting up to $855 a year so compare quotes from several companies at least once a year to ensure rates are competitive.
Insurance quotes from local neighborhood Aurora car insurance agents
Certain consumers prefer to sit down and talk to an agent and that is not a bad decision One of the benefits of comparing rate quotes online is you may find cheap insurance quotes and still have a local agent. And buying from local agents is important particularly in Aurora.
By using this simple form, your insurance coverage information is emailed to local insurance agents that can provide free Aurora auto insurance quotes to get your business. You never need to find an agent on your own as quotes are delivered immediately to you. You can find lower rates without a big time investment. If you want to get a rate quote from a specific insurance provider, feel free to visit that company's website and complete a quote there.
Aurora car insurance agents come in two flavors
If you are searching for a reliable insurance agency, there are two different types of agencies that you can select. Insurance agents can be categorized as either independent agents or exclusive agents.
Independent Insurance Agents
These type of agents often have many company appointments and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move your policy to a different company and you won't have to switch agencies. When searching for an agent, we recommend you contact at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with mutual insurance companies which may have better rates.
Shown below is a small list of independent insurance agencies in Aurora who may be able to give you price quote information.
- All Drivers Insurance
12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map
- A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map
- A Complete Home and Auto Insurance Agency
1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained in insurance sales and that can be a competitive advantage. Some insured continue to choose to use an exclusive agent primarily because of the brand name rather than low rates.
Shown below is a short list of exclusive insurance agencies in Aurora willing to provide comparison quotes.
- American Family Insurance - Daniel Kane
1730 S Abilene St # I-201 - Aurora, CO 80012 - (303) 873-1277 - View Map
- Farmers Insurance - Archie Verhoeff
13743 E Mississippi Ave #100 - Aurora, CO 80012 - (303) 363-1757 - View Map
- Lawrence Neal - State Farm Insurance Agent
15037 E Colfax Ave k - Aurora, CO 80011 - (303) 340-8849 - View Map
Picking the best car insurance agent requires more thought than just the quoted price. Before buying a policy in Aurora, get answers to these questions.
- Do you work with a CSR or direct with the agent?
- How long has their agency been open in Aurora?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will their companies depreciate repairs to your car based on the mileage?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they have 24-hour customer assistance?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Once you have reasonable responses to your questions and a good coverage price, you may have just found an insurance agency that meets the criteria to insure your vehicles. Just be aware that you are entitled to cancel your policy when you choose so don't think you are locked into a specific company with no way out.