Are you tired of scraping nickels together to pay car insurance each month? You're in the same situation as many other people in Colorado.
It's hard to fathom, but almost 70% of drivers have been with the same company for at least the last four years, and about 40% of consumers have never compared rates with other companies. Most drivers in Aurora could save 35% a year, but most undervalue how much they could save if they switched to a more affordable policy. Since people have many car insurance companies to choose from, it can be challenging to locate the most cost effective company.
It's smart to price shop coverage periodically due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best price on Acura TL insurance in Aurora a year ago a different company probably has better rates today. Ignore everything you know about car insurance because you're going to get a crash course in how to use the internet to save on car insurance.
Finding the cheapest car insurance coverage in Aurora is actually very simple if you learn how to start. If you are insured now or just want cheaper coverage, use these money-saving tips to get lower rates while maintaining coverages. Shoppers just have to understand the tricks to compare company rates from multiple carriers.
Compare Aurora Acura TL insurance price quotes
The companies shown below are ready to provide quotes in Colorado. If multiple companies are listed, we suggest you get rate quotes from several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TL 3.5 W/Technology Package||$238||$458||$338||$20||$100||$1,154||$96|
|TL 3.7 SH AWD||$182||$384||$456||$28||$136||$1,186||$99|
|TL 3.7 SH W/Technology Package AWD||$264||$608||$368||$22||$110||$1,372||$114|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific location which can alter auto insurance rates considerably.
Cost comparison with and without full coverage
The example below examines Acura TL insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents, no driving violations, $500 deductibles, married female driver, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no clear-cut rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let's say your Acura TL settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying your deductible. If you are paying more than $300 annually to have full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Impact of violations and accidents on rates
The information below illustrates how speeding tickets and at-fault accidents drive up Acura TL insurance prices for each age group. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Discounts mean cheaper rates for Acura TL insurance in Aurora
Some insurers don't always publicize every discount in an easy-to-find place, so below is a list some of the best known and also the lesser-known ways to save on car insurance.
- No Charge for an Accident - Not really a discount, but companies like Allstate and GEICO permit an accident before your rates go up as long as you don't have any claims prior to being involved in the accident.
- Professional Memberships - Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
- ABS Brakes - Vehicles that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- Senior Citizens - Seniors may qualify for a discount up to 10%.
- Data Collection Discounts - People who choose to allow data collection to track driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
- Multiple Cars - Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
- Auto/Home Discount - If you can combine your auto and homeowners policy and insure them with the same company they may give you a discount of up to 20% off your total TL insurance premium.
A quick disclaimer, some credits don't apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.
If you would like to choose from a list of insurance companies with the best Acura TL insurance discounts in Aurora in Colorado, follow this link.
Should I get advice from a local insurance agent?
Some people still prefer to go talk to an agent and that can be a smart move Agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing insurance prices online is the fact that you can find cheap car insurance quotes and also buy local.
Upon completion of this simple form, the quote information is immediately sent to agents in your area who will give competitive quotes for your coverage. You never need to contact an agency due to the fact that quote results will go to the email address you provide. If you want to get a comparison quote for a specific company, don't hesitate to go to their quote page and complete a quote there.
Picking an company is decision based upon more than just the quoted price. A good agent in Aurora will have answers to these questions.
- What are the financial ratings for the companies they represent?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How long has their agency been in business in Aurora?
- Which members of your family are coverage by the policy?
- Do they carry Errors and Omissions coverage?
- Is the coverage adequate for your vehicle?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the agency provide any after hours assistance?
The type of car insurance agent you choose is important
When narrowing the list to find a reliable insurance agent, there are a couple of types of agencies and how they can write your policy. Car insurance agencies can either be independent or exclusive. Either can insure your vehicles properly, but it is important to understand the difference between them because it can influence which agent you choose.
These type of agents can usually just insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their company's products which helps offset the inability to provide other markets.
The following are Aurora exclusive insurance agencies willing to provide price quotes.
Independent Car Insurance Agencies
Agents that elect to be independent do not write with just one company so they can write business with many different companies and get you the best rates possible. If they find a lower price, they simply move your policy to a different company which makes it simple for you. If you need lower rates, you absolutely need to get insurance quotes from independent agents to ensure the widest selection of prices.
Below is a list of independent insurance agents in Aurora that can give you price quotes.
Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map
A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map
BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
Educate yourself about car insurance coverages
Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.
Liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/15 that means you have $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $15,000 paid for damaged property.
Liability can pay for things such as attorney fees, medical expenses and repair bills for other people's vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more coverage.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Acura TL.
Since a lot of drivers carry very low liability coverage limits (25/50/15 in Colorado), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverage protection
This coverage covers damage to your TL resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as backing into a parked car, crashing into a building, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your TL in order to get cheaper collision rates.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, ambulance fees, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Keep this in mind when shopping around
You just learned many ways to find lower-cost Acura TL insurance in Aurora. It's most important to understand that the more price quotes you have, the better chance you'll have of finding low cost Aurora car insurance quotes. You may even find the lowest auto insurance rates are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.
Some insurance providers don't offer online price quotes and these smaller companies prefer to sell through independent agents. More affordable car insurance in Aurora is attainable online and also from your neighborhood Aurora agents, so compare prices from both to have the best selection.
More information can be found below:
- Neck Injury FAQ (iihs.org)
- Who Has Affordable Colorado Auto Insurance for Business Use? (FAQ)
- What is the Cheapest Auto Insurance in Castle Rock, Colorado? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Colorado? (FAQ)
- Who Has Cheap Colorado Car Insurance for Drivers Requiring a SR22? (FAQ)
- How Much is Auto Insurance for a Chevrolet Equinox in Colorado? (FAQ)
- What Car Insurance is Cheapest for 18 Year Olds in Colorado? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with Bad Credit in Colorado? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)