Has it been over a year since you last compared quotes for the cheapest Ford Focus insurance in Aurora? When shopping for lower-priced insurance, do you get confused by the crazy number of car insurance sources in Aurora? Many other drivers are too. People have so many options that it can be a chore to lower your rates for Ford Focus insurance in Aurora. Aurora is a great place to live, but the high cost of car insurance makes it difficult to affordably buy enough coverage.
A study showed that a large majority of consumers have purchased from the same company for at least the last four years, and almost half have never compared rates from other carriers. With the average car insurance premium being $1,800, Aurora drivers could pocket about $610 a year just by comparing rates, but they just don't understand the amount of money they would save if they switched to a more affordable policy.
Consumers need to price shop coverage before your next renewal since prices are rarely the same from one policy term to another. If you had the lowest quotes on Ford Focus insurance in Aurora a year ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to learn the only way to save money, get proper coverage and the best rates.
When looking for low cost Aurora auto insurance quotes, there are a couple ways of comparing rate quotes from lots of Colorado car insurance companies. The best way to lower the rate you pay for Ford Focus insurance is to perform an online rate comparison. Just remember that obtaining a wide range of quotes helps you find more affordable rates.
The companies in the list below provide price comparisons in Colorado. If multiple providers are shown, we suggest you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$126||$296||$396||$24||$118||$960||$80|
|Focus SE 4-Dr Sedan||$220||$368||$460||$28||$138||$1,214||$101|
|Focus SEL 4-Dr Sedan||$166||$448||$396||$24||$118||$1,152||$96|
|Focus SES 4-Dr Sedan||$264||$644||$352||$20||$106||$1,386||$116|
|Focus SE 2-Dr Coupe||$246||$496||$408||$24||$122||$1,296||$108|
|Focus SES 2-Dr Coupe||$260||$662||$448||$26||$134||$1,530||$128|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific Aurora garaging location which can increase or decrease coverage rates substantially.
Does it make sense to buy full coverage?
The chart below illustrates the difference between Ford Focus yearly insurance costs with liability coverage only compared to full coverage. The costs are based on no violations or accidents, $500 deductibles, married female driver, and no discounts are applied.
When to eliminate full coverage
There is no exact formula for excluding full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let's say your Ford Focus claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your deductible. If you are currently paying more than $500 a year to have full coverage, then it might be time to buy liability only.
There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Physical damage deductibles: Should you raise them?
The information below shows how different deductible levels and can increase or decrease Ford Focus annual premium costs for different age categories. The information is based on a single male driver, full physical damage coverage, and no discounts are applied.
Why do I need car insurance?
Even though it can be expensive, car insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
- Almost all states have minimum liability requirements which means the state requires specific limits of liability coverage if you don't want to risk a ticket. 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.
- If you have a loan on your Ford Focus, it's guaranteed your bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Ford at an extremely high rate and require you to pay a much higher amount than you were paying before.
- Car insurance protects not only your car but also your assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. The average driver in Colorado overpays as much as $820 a year so shop around each time the policy renews to save money.
Car insurance discounts help lower rates for Ford Focus insurance in Aurora
Some insurers don't always list every discount they offer very well, so the following is a list of some of the more common and the harder-to-find credits available to lower your premiums when you buy Aurora auto insurance online.
- Seat Belts Save more than Lives - Forcing all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Good Grades Discount - Performing well in school can save 20 to 25%. This discount can apply until age 25.
- Pay Early and Save - By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
- Theft Deterrent Discount - Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
- Buy New and Save - Insuring a vehicle that is new can be considerably cheaper because newer models have to meet stringent safety requirements.
- Driver Education Discount - Have your child successfully complete driver's ed class in school or through a local driver safety program.
- Defensive Driving Course - Completing a course teaching defensive driver skills could earn you a small percentage discount and easily recoup the cost of the course.
- Bundled Policy Discount - If you have multiple policies and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy.
Larger car insurance companies and the discounts they provide are:
- AAA has discounts for pay-in-full, education and occupation, anti-theft, good driver, good student, multi-policy, and multi-car.
- Progressive offers discounts including multi-policy, online quote discount, continuous coverage, multi-vehicle, and homeowner.
- State Farm may have discounts that include passive restraint, defensive driving training, driver's education, Steer Clear safe driver discount, multiple autos, student away at school, and accident-free.
- Esurance may include discounts for anti-theft, paid-in-full, good student, Pac-12 alumni, online quote, and claim free.
- Nationwide may offer discounts for Farm Bureau membership, anti-theft, business or organization, good student, and multi-policy.
If you want cheaper Aurora auto insurance quotes, ask all the companies which discounts they offer. All car insurance discounts might not be offered in your area. To locate insurers that offer discounts in Colorado, follow this link.
Compare rate quotes but buy from a local Aurora insurance agency
A small number of people just want to sit down with an agent and that can be a great decision A good thing about getting free rate quotes online is that you can find better rates but still work with a licensed agent. Buying from small agencies is especially important in Aurora.
By using this short form, your coverage information is submitted to agents in your area who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your computer since rate quotes are delivered instantly to you. You can find lower rates without the usual hassles of price shopping. In the event you want to compare prices for a specific company, you just need to navigate to their website and fill out the quote form the provide.
If you prefer to buy auto insurance from a reputable insurance agent or broker, it's important to understand the different types of agencies that you can select. Auto insurance agencies can be described as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents of this type can quote rates with many companies so they can insure your vehicles through many companies enabling the ability to shop coverage around. If they quote lower rates, your agent can switch companies and you don't have to switch agencies. When comparing auto insurance prices, you will want to include rate quotes from several independent agencies in order to compare the most rates. They often place coverage with different regional companies which could offer lower prices.
Featured below is a list of independent insurance agencies in Aurora that can give you free auto insurance rate quotes.
- Colorado Insurance Professionals, Inc.
13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
- Diversified Commercial Insurers
2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map
Exclusive Auto Insurance Agents
These agents can only quote rates from one company and examples are Allstate and State Farm. They are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name rather than low price.
Below is a short list of exclusive insurance agencies in Aurora that are able to give price quotes.
- Allstate Insurance: Jeff Heinrich
5001 S Parker Rd - Aurora, CO 80015 - (303) 773-2019 - View Map
- Bob Massie - State Farm Insurance Agent
15290 E 6th Ave #220 - Aurora, CO 80011 - (303) 364-8298 - View Map
- GEICO Insurance Agent
1140 S Abilene St - Aurora, CO 80012 - (303) 798-3939 - View Map
Finding a good auto insurance agent needs to be determined by more than just the premium amount. Any agent in Aurora should be forthright in answering these questions:
- Are they giving you every discount you deserve?
- How much experience to they have in personal lines coverages?
- Where would your vehicle be repaired?
- Do they offer claims assistance after hours?
- Are they able to provide referrals?
If you feel you receive satisfactory answers to any questions you may have as well as a price you're happy with, it's a good possibility that you have found an insurance agency that is a good match to properly service your auto insurance policy.
Tailor your auto insurance coverage to you
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Your situation is unique and your policy should reflect that. For example, these questions can help discover whether you might need an agent's assistance.
- Do they offer discounts for home and auto coverage?
- When do I need to add a new car to my policy?
- Do I need replacement cost coverage on my Ford Focus?
- Should I put collision coverage on all my vehicles?
- Am I getting all the discounts available?
- What exactly is covered by my policy?
- Can I rent a car in Mexico?
- Am I covered if I break a side mirror?
- Why do I have to buy liability insurance?
If you can't answer these questions but one or more may apply to you then you might want to talk to an agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
Car insurance coverages explained
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.
Liability auto insurance
Liability coverage can cover damage that occurs to other's property or people in an accident. This coverage protects you against other people's claims, and doesn't cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/15 that means you have $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and a limit of $15,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like attorney fees, medical services, repair bills for other people's vehicles, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. Colorado requires drivers to carry at least 25/50/15 but you should think about purchasing more liability than the minimum.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. It can pay for injuries to you and your family as well as damage to your Ford Focus.
Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (which is 25/50/15), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.
Comprehensive auto coverage
This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as falling objects, vandalism, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Collision coverage pays for damage to your Focus caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as rolling your car, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Focus to get cheaper collision coverage.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for expenses such as X-ray expenses, hospital visits, nursing services, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Lower rates by being persistent
We've covered many ways to get a better price on Ford Focus insurance in Aurora. The key thing to remember is the more you quote Aurora auto insurance, the higher the chance of saving money. You may even find the lowest car insurance rates are with an unexpected company. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like State Farm, GEICO and Nationwide.
As you quote Aurora auto insurance, make sure you don't sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.
Some insurance providers don't offer online rate quotes and usually these smaller companies only sell coverage through local independent agents. Cheap Ford Focus insurance in Aurora is possible online in addition to many Aurora insurance agents, and you should be comparing both so you have a total pricing picture.
More information is available on the following sites:
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Auto Insurance in Colorado? (FAQ)
- Who Has Affordable Car Insurance Rates for Safe Drivers in Colorado? (FAQ)
- What is the Best Auto Insurance in Broomfield, Colorado? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 50 in Colorado? (FAQ)
- What is the Cheapest Auto Insurance in Greeley, Colorado? (FAQ)
- How Much is Auto Insurance for a Toyota Corolla in Colorado? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)