Want to learn how to save money and find more affordable Buick Verano insurance in Aurora? Did budget coverage turn out to be an underperforming, overpriced auto insurance policy? Trust us, many Aurora drivers have buyer's remorse.
Amazingly, most auto insurance customers kept their policy with the same company for a minimum of four years, and virtually 40% of consumers have never even compared rates from other companies. With the average premium in Colorado being $1,810, drivers could save roughly 35% a year, but they just don't understand the large savings they would see if they swap their current policy for a cheaper one.
Having so many auto insurance companies to choose from, it can be challenging to find the cheapest insurance company.
You should make it a habit to quote other rates on a regular basis because auto insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates on Buick Verano insurance in Aurora at your last renewal there is a good chance you can find better premium rates now. There is lot of inaccurate information about Verano insurance online, but in this article, you're going to get some guaranteed methods to quit paying high auto insurance rates in Aurora.
Finding and buying affordable protection in Aurora is simple if you know the tricks. Nearly every driver who is required by state law to have insurance stands a good chance to find a cheaper policy. But Colorado drivers should learn how insurance companies determine prices and use this information to your advantage.
Score discounts on Aurora auto insurance
The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Many discounts should be triggered when you complete an application, but less common discounts must be asked about before being credited.
- Passive Restraints and Air Bags - Cars that have air bags can qualify for discounts as much as 30%.
- Seat Belts Save - Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Multi-car Discount - Having multiple cars on one policy can get a discount for every vehicle.
- No Claims - Drivers who don't have accidents pay much less in comparison to bad drivers.
- New Car Discount - Adding a new car to your policy can cost up to 25% less because newer vehicles keep occupants safer.
- Online Discount - Many companies will discount your bill up to fifty bucks for completing your application on the web.
- Bundled Policy Discount - When you combine your auto and homeowners insurance and insure them with the same company they may give you a discount of up to 20% and get you the cheapest Buick Verano insurance in Aurora.
Remember that some credits don't apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, it's just not the way it works.
A list of auto insurance companies and their offered discounts can be read below.
- GEICO has savings for five-year accident-free, anti-theft, military active duty, anti-lock brakes, defensive driver, good student, and emergency military deployment.
- Travelers may offer discounts for save driver, hybrid/electric vehicle, multi-policy, good student, and payment discounts.
- Farm Bureau has discounts for multi-policy, good student, renewal discount, youthful driver, and multi-vehicle.
- Liberty Mutual offers discounts including newly married, multi-car, multi-policy, hybrid vehicle, and newly retired.
- American Family offers premium reductions for multi-vehicle, Steer into Savings, bundled insurance, mySafetyValet, early bird, and defensive driver.
- Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, online quote discount, online signing, good student, and continuous coverage.
It's a good idea to ask every insurance company which discounts you may be entitled to. A few discounts might not be offered in your state. To see providers that offer the discounts shown above in Aurora, click this link.
Buy Aurora Buick Verano insurance online
When comparison shopping, there are several ways of comparing rate quotes from all the different companies. The best method to find affordable Buick Verano insurance rates consists of shopping online.
Comparing rate quotes online is fast and free, and it makes it a waste of time to call or drive to all the different insurance agencies. The fact that you can get quotes online eliminates the middleman unless you have a need for the professional guidance of an agent trained in personal lines coverage. However, consumers can get the lowest quotes online but purchase the actual policy in an agency.
When price shopping your coverage, comparing a wide range of rates helps increase your odds of locating lower pricing. Some companies don't provide online Aurora Verano insurance quotes, so it's important to compare rates from those companies as well.
The following companies offer free rate quotes in Aurora, CO. If more than one company is shown, we suggest you visit two to three different companies to get the best price comparison.
Smart Buyers Know How to Buy Car Insurance at a Discount
The best way to find cheaper car insurance is to take a look at a few of the rating criteria that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower car insurance prices.
Younger driver insurance rates - Inexperience drivers have a tendency to be easily distracted when driving with friends and because of this, their car insurance rates are much higher. If you've ever had to add a young driver onto your car insurance can be quite pricey. Older people are viewed as being more responsible, cost insurance companies less in claims, and receive fewer citations.
Cars with good safety ratings cost less to insure - Cars with high safety ratings are cheaper to insure. Highly rated vehicles result in less severe injuries and any reduction in injury severity means less claims paid which can result in lower premiums.
Higher rates for high stress vocations - Jobs like real estate brokers, architects and accountants are shown to have the highest average rates in part from high stress levels and lengthy work days. Conversely, occupations such as scientists, athletes and performers pay the least.
Why do you need liability? - Your policy's liability coverage is the protection when you are found to be at fault for damages caused by your negligence. Your liability coverage provides you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
Insurance rates in urban areas - Choosing to live in areas with lower population is a positive aspect when shopping for auto insurance. Fewer drivers means fewer accidents and lower theft and vandalism rates. City drivers have to deal with traffic congestion and more time behind the wheel. More time commuting statistically corresponds to a higher accident and claim rate.
Eliminate unneeded add-on coverages - There are a ton of extra coverages that sound like a good idea at the time but may not be useful. Things like coverage for rental cars, death and dismemberment, and motor club memberships may be costing you every month. They may seem good initially, but if they're wasting money get rid of them and save.
An active policy claims history can increase rates - Companies in Colorado generally give discounts to insureds who are not frequent claim filers. If you're an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of larger claims.
Insurance losses for a Buick Verano - Insurance companies factor in historical loss data to help set a rate to offset losses. Vehicles that tend to have higher loss trends will cost more to insure. The next table illustrates the historical loss data for Buick Verano vehicles.
For each type of coverage, the claim probability for all vehicles averaged together is considered to be 100. Numbers under 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate frequent claims or a tendancy for losses to be larger than average.
Car Insurance Loss Data for Buick Verano Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Shop online but buy locally
A lot of people prefer to visit with an insurance agent and that is recommended in a lot of cases The best thing about price shopping on the web is that drivers can save money and get lower rates and still have an agent to talk to. And supporting neighborhood agents is definitely important in Aurora.
After filling out this simple form, your coverage information gets sent to local insurance agents in Aurora who will gladly provide quotes and help you find cheaper coverage. You won't need to search for any insurance agencies since rate quotes are delivered to the email address you provide. You can get cheaper insurance rates AND an agent nearby. If for some reason you want to get a comparison quote from a specific company, just jump over to their website and fill out their quote form.
If you are wanting to find a local agent, you should know the different types of agents to choose from. Aurora agents can either be exclusive or independent (non-exclusive).
Independent Insurance Agents
These agents can sell policies from many different companies so they can write business with many different companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company and the insured can keep the same agent.
If you need lower rates, we highly recommend that you contact a couple of independent agencies for maximum quote selection.
Shown below are Aurora independent agencies that may be able to provide cheap rate quotes.
Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map
A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map
Exclusive Insurance Agents
These agents can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agencies are usually well trained on their company's products which helps overcome the inability to quote other rates.
Below is a list of exclusive insurance agents in Aurora who can help you get rate quotes.
Paul Macaluso - State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave - Aurora, CO 80015 - (303) 690-6700 - View Map
Deciding on a auto insurance agent shouldn't rely on just a cheap quote. Here are some questions you might want to ask.
- What are the financial ratings for the companies they represent?
- Which company do they place the most coverage with?
- Do they specialize in personal lines coverage in Aurora?
- Is their price quote a firm figure or are their hidden costs?
- Are they involved in claim handling?
It may be expensive, but it's not optional
Despite the high cost of buying insurance for a Buick Verano in Aurora, paying for car insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to drive the car. 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 your car has a lienholder, almost every bank will require you to have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Buick for a lot more money and force you to reimburse them for it.
Third, car insurance protects not only your car but also your assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Buick as the result of the weather or an accident, your car insurance policy will pay to have it repaired.
The benefits of insuring your Verano more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so it's very important to do a rate comparison at every policy renewal to make sure the price is not too high.
Car insurance savings summarized
As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
More affordable car insurance in Aurora is available online and with local Aurora insurance agents, so get free Aurora auto insurance quotes from both of them to have the best rate selection. Some insurance companies don't offer online price quotes and many times these small, regional companies work with independent insurance agents.
You just learned some good ideas how to lower your Buick Verano insurance rates in Aurora. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best price on car insurance is with a lesser-known regional company. Some small companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.
Additional detailed information can be found at these sites:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance for Business Use? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)