Comparing and finding more affordable premium rates for Ford F-150 insurance in Aurora could be kind of frustrating for people who are beginners to quoting and comparing prices online. With such a large number of online companies, it can easily turn into a burden to compare premium rates on Ford F-150 insurance.
A recent insurance study discovered that a large majority of drivers in Colorado have remained with the same insurance company for well over three years, and almost half have never taken the time to shop around. Many drivers in the United States could save roughly 47% a year, but they think it's difficult to compare rates.
Smart consumers take time to compare premium rates occasionally because insurance prices fluctuate regularly. Even if you think you had the best deal on Ford F-150 insurance in Aurora a couple years back you may be paying too much now. Block out anything you think you know about insurance because you're going to get a crash course in the best way to reduce your cost while increasing coverage.
If you already have coverage, you will surely be able to get lower rates using the techniques presented in this article. Getting quotes for the best coverage in Aurora is not that difficult. But Colorado consumers can benefit from knowing the way companies set your policy premium because it varies considerably.
Companies offering Ford F-150 insurance in Aurora
The companies in the list below have been selected to offer price quotes in Colorado. If multiple providers are shown, we suggest you click on several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$226||$344||$368||$22||$110||$1,070||$89|
|F-150 STX Regular Cab 2WD||$144||$272||$426||$26||$128||$996||$83|
|F-150 XL Super Cab 2WD||$188||$348||$426||$26||$128||$1,116||$93|
|F-150 XLT Regular Cab 2WD||$206||$382||$338||$20||$100||$1,046||$87|
|F-150 STX Super Cab 2WD||$126||$244||$396||$24||$118||$908||$76|
|F-150 XL Crew Cab 2WD||$212||$342||$456||$28||$136||$1,174||$98|
|F-150 XLT Super Cab 2WD||$260||$440||$396||$24||$118||$1,238||$103|
|F-150 STX Regular Cab 4WD||$212||$342||$456||$28||$136||$1,174||$98|
|F-150 XL Regular Cab 4WD||$276||$412||$362||$22||$108||$1,180||$98|
|F-150 FX2 Super Cab 2WD||$190||$312||$396||$24||$118||$1,040||$87|
|F-150 XLT Crew Cab 2WD||$190||$298||$396||$24||$118||$1,026||$86|
|F-150 XL Super Cab 4WD||$144||$232||$368||$22||$110||$876||$73|
|F-150 XLT Regular Cab 4WD||$192||$236||$460||$28||$138||$1,054||$88|
|F-150 XL Crew Cab 4WD||$310||$412||$362||$22||$108||$1,214||$101|
|F-150 STX Super Cab 4WD||$294||$424||$456||$28||$136||$1,338||$112|
|F-150 XLT Super Cab 4WD||$276||$372||$474||$28||$142||$1,292||$108|
|F-150 FX2 2WD||$244||$424||$426||$26||$128||$1,248||$104|
|F-150 Lariat Super Cab 2WD||$242||$362||$358||$22||$108||$1,092||$91|
|F-150 Lariat Crew Cab 2WD||$334||$628||$426||$26||$128||$1,542||$129|
|F-150 FX4 Super Cab 4WD||$214||$362||$396||$24||$118||$1,114||$93|
|F-150 XLT Crew Cab 4WD||$388||$546||$460||$28||$138||$1,560||$130|
|F-150 FX4 4WD||$214||$362||$396||$24||$118||$1,114||$93|
|F-150 Lariat Crew Cab 4WD||$214||$380||$396||$24||$118||$1,132||$94|
|F-150 SVT Raptor Super Cab 4WD||$264||$448||$368||$22||$110||$1,212||$101|
|F-150 Lariat Super Cab 4WD||$162||$282||$396||$24||$118||$982||$82|
|F-150 Lariat Crew Cab Platinum 2WD||$264||$556||$396||$24||$118||$1,358||$113|
|F-150 Lariat Crew Cab Harley 2WD||$244||$500||$426||$26||$128||$1,324||$110|
|F-150 Lariat King Ranch 2WD||$236||$448||$330||$20||$98||$1,132||$94|
|F-150 Lariat King Ranch 4WD||$240||$340||$460||$28||$138||$1,206||$101|
|F-150 Lariat Crew Cab Harley 4WD||$252||$400||$362||$22||$108||$1,144||$95|
|F-150 Lariat Crew Cab Platinum 4WD||$238||$426||$396||$24||$118||$1,202||$100|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can impact coverage prices considerably.
Careless driving habits raise auto insurance rates
The illustration below shows how violations and accident claims raise Ford F-150 annual premium costs for different age groups. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
Difference between liability only and full coverage rates
The diagram below shows the comparison of Ford F-150 insurance costs with full phyical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $100 deductibles, married female driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There isn't a written rule for excluding full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Ford F-150 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If it's costing in excess of $600 a year to have full coverage, then you might consider buying liability only.
There are some cases where only buying liability is not in your best interest. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Determine discounts on Aurora insurance
Companies offering auto insurance don't always publicize their entire list of discounts very well, so the list below contains both well-publicized as well as the least known discounts you could be receiving when you buy Aurora auto insurance online. If you're not getting every credit you deserve, you are not getting the best rate possible.
- Discounts for Government Workers - Simply working for the federal government could cut as much as 10% off depending on your company.
- New Car Discount - Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
- Theft Deterrent System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Defensive Driver Discounts - Taking part in a course in defensive driver could cut 5% off your bill if your company offers it.
- Safety Restraint Discount - Requiring all passengers to buckle up can save a little off the PIP or medical payment premium.
- Multi-Vehicle Discounts - Insuring multiple cars with the same insurance company could earn a price break for each car.
- Discount for Life Insurance - Select companies reward you with lower rates if you buy some life insurance too.
- 55 and Retired - Mature drivers may qualify for reduced rates.
- Renewal Discounts - Some insurance companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like it's possible to get free car insurance, insurance companies aren't that generous.
Some of the insurance companies that possibly offer some of the above discounts possibly include:
Double check with every company to give you their best rates. A few discounts might not be offered in every state. To see a list of insurers that offer some of these discounts in Colorado, click this link.
Local neighborhood insurance agents
Many drivers just want to buy from a local agent. One of the great benefits of getting free rate quotes online is you can get the lowest rates but still work with a licensed agent. And buying from local insurance agencies is important particularly in Aurora.
After filling out this quick form, your information is instantly submitted to local insurance agents who will give you bids for your coverage. You won't need to drive around since price quotes are sent to you. You can most likely find cheaper rates without requiring a lot of work. If you need to quote rates from one company in particular, feel free to jump over to their website to submit a rate quote request.
Different types of Aurora auto insurance agents
When narrowing the list to find a good Aurora insurance agent, there are a couple of types of agencies and how they differ in how they quote coverages. Agents can be categorized as either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Independent agents often have many company appointments so as a result can place your coverage through many different car insurance companies and find you cheaper rates. If your agent finds better pricing, the business is moved internally and you don't have to find a new agent.
If you need cheaper car insurance rates, you absolutely need to compare quotes from independent agents so that you have a good selection of quotes to compare. Most also write with additional companies that you may not be familiar with which can save you money.
Listed below are Aurora independent insurance agents who may be able to give you free price quotes.
- L.A. Insurance Agency
9601 E Colfax Ave - Aurora, CO 80010 - (303) 577-2400 - View Map
- A Complete Home and Auto Insurance Agency
1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map
- Diversified Commercial Insurers
2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map
Exclusive Car Insurance Agents
Exclusive insurance agents normally can only provide a single company's rates and examples are State Farm or Allstate. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. These agents are well trained on their company's products and that enables them to sell even at higher rates. Some people will only use the same agent mainly due to high brand loyalty and strong financial ratings.
The following are exclusive insurance agents in Aurora that can give you price quote information.
- Allstate Insurance: Jack Sughrue
2226 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 751-4701 - View Map
- American Family Insurance - Richard Ahrenkiel
2260 S Xanadu Way Ste 257 - Aurora, CO 80014 - (303) 750-6508 - View Map
- Jody Roberts - State Farm Insurance Agent
15260 E Hampden Ave - Aurora, CO 80014 - (303) 693-1650 - View Map
Finding the right car insurance agent should depend on more than just the premium amount. The questions below may impact your decision as well.
- Will you work with the agent or an assistant?
- Is the agent properly licensed in Colorado?
- Is the agency involved in supporting local community causes?
- Will the company cover a rental car if your car is getting fixed?
- Does the quote include credit and driving reports?
- Do they have a Better Business Bureau rating in Aurora?
- Does the company allow you to choose your own collision repair facility?
When do I need an agent's advice?
When choosing your policy, there isn't really a one size fits all plan. Everyone's situation is a little different.
These are some specific questions might point out if your situation would benefit from an agent's advice.
- Do I have coverage when pulling a U-Haul trailer?
- Are rental cars covered under my policy?
- What can I do if my company won't pay a claim?
- What states are considered no-fault?
- Is my vehicle covered by my employer's policy when using it for work?
- How high should my uninsured/underinsured coverage be in Colorado?
- What are the best liability limits?
- Are my friends covered when driving my car?
- Are my custom wheels covered?
If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Understanding the coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.
This coverage pays for damage to your F-150 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as driving through your garage door, colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your F-150 to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Ford F-150.
Because many people only purchase the least amount of liability that is required (which is 25/50/15), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hail damage, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Coverage for liability
Liability coverage protects you from damage or injury you incur to other's property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/15 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things such as emergency aid, loss of income, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible. Colorado requires minimum liability limits of 25/50/15 but drivers should carry better liability coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, doctor visits, rehabilitation expenses, chiropractic care and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
Compare but don't skimp
Consumers switch companies for a variety of reasons including questionable increases in premium, denial of a claim, high prices and poor customer service. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.
When searching for the cheapest Ford F-150 rate quotes, do not skimp on critical coverages to save a buck or two. In many instances, someone dropped collision coverage to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at the lowest possible cost, but don't skip important coverages to save money.
The cheapest Ford F-150 insurance in Aurora is attainable both online and also from your neighborhood Aurora agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not have rate quotes online and these small insurance companies only sell coverage through independent agents.
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