Finding the cheapest Aurora Chevy Malibu insurance quotes may seem to be intimidating for drivers that are relatively new to price shopping on the internet. When there are so many companies competing online, how can you have the ability to compare every possible option in order to find the cheapest price possible?
Shocking but true, most auto insurance customers kept their coverage with the same auto insurance company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Colorado consumers can save approximately 35% each year by just shopping around, but they underestimate the amount of money they would save if they replace their high priced policy.
Buying the cheapest auto insurance in Aurora is actually quite easy if you know where to start. Essentially everyone who shops around for auto insurance will more than likely be able to lower their premiums. Although Colorado drivers can benefit from knowing the methods companies use to price online insurance and apply this information to your search.
Affordable Chevy insurance rates in Aurora
The companies shown below can provide price comparisons in Aurora, CO. If multiple companies are shown, it's a good idea that you get rates from several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific Aurora garaging location which can modify premium rates substantially.
Auto insurance rates by age and gender
The example below shows the comparison of Chevrolet Malibu insurance premiums for male and female drivers. Data assumes no accidents or driving violations, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Informed Decisions Result in Lower Insurance Prices
When buying car insurance it's important to understand a few of the rating criteria that help determine your premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in much lower annual insurance costs. Many different elements are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure like where you live or your vehicle rating.
Low stress vocation equals lower rates - Occupations such as lawyers, air traffic controllers, and stock brokers are shown to have higher rates than the rest of us in part from intense work-related stress and incredibly demanding work hours. Conversely, jobs such as scientists, historians and performers have lower than average premiums.
Women tend to be lower risk - The statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Females and males get in auto accidents in similar percentages, but the males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI). Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Careless driving means higher rates - Even one moving violation may increase your cost by as much as twenty percent. Good drivers pay less for auto insurance as compared to those with violations. Drivers who have gotten serious tickets such as DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state's department of motor vehicles in order to drive a vehicle legally.
Alarms and GPS tracking lower prices - Owning a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.
Don't cancel your car insurance without a new one in place - Driving with no insurance is against the law and any future policy may cost more because you let your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with the Colorado department of motor vehicles.
Your address can push rates up or down - Having an address in a rural area can save you money when insuring your vehicles. City drivers have to deal with much more traffic and longer commutes to work. Less people translates into fewer accidents and lower theft and vandalism rates.
High comp and collision deductibles equal low rates - Comp and collision deductibles define the amount you are required to spend if a claim is determined to be covered. Physical damage coverage, also called 'full coverage', is used to repair damage to your car. Some coverage claims are colliding with a stationary object, vandalism, or theft of your vehicle. The higher the amount the insured is willing to pay, the bigger discount you will receive.
Single vs. married - Walking down the aisle can get you a discount when shopping for car insurance. It may mean you are more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
Chevy Malibu claim data - Insurers take into consideration historical loss data for every vehicle to help determine rates. Models that have increased losses will have higher premium rates. The information below illustrates the loss history for Chevy Malibu vehicles.
For each type of coverage, the statistical loss for all vehicles, as a total average, is equal to 100. Values that are below 100 indicate better than average losses, while numbers shown that are more than 100 point to more losses or larger claims.
Insurance Loss Ratings for Chevrolet Malibu Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheaper Chevy Malibu insurance rates in Aurora
Car insurance is easily one of your largest bills, but you might be missing out on some discounts that can dramatically reduce your bill. Most are applied when you quote, but some discounts are required to be manually applied in order for you to get them.
- Accident Free - Drivers who don't have accidents pay much less compared to drivers who are more careless.
- Own a Home and Save - Just owning your own home may trigger a policy discount on car insurance because of the fact that having a home requires a higher level of personal finance.
- Driver's Education for Students - Teen drivers should complete a driver education course if offered at their school.
- Safety Course Discount - Completing a class that teaches defensive driver techniques could save 5% or more and easily recoup the cost of the course.
- Military Rewards - Being deployed with a military unit could mean lower rates.
- More Vehicles More Savings - Buying coverage for primary and secondary vehicles on a single policy can get a discount for every vehicle.
- Bundle and Save - If you have multiple policies with the same company you could earn a discount of at least 10% off all policies.
- New Vehicle Savings - Insuring a new Malibu can get you a discount because new vehicles keep occupants safer.
- Accident Forgiveness Coverage - Not really a discount, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a specific time period.
As a sidenote, many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free car insurance policy, that's just not realistic.
To locate companies with significant discounts in Colorado, click this link.
Are insurance agencies obsolete?
Many people prefer to go talk to an agent and that can be a smart move One of the best bonuses of comparing rate quotes online is you may find cheap insurance quotes and still buy from a local agent.
After filling out this simple form, your insurance data is submitted to local insurance agents in Aurora who will give you quotes to get your business. It makes it easy because there is no need to contact an agency since rate quotes are delivered directly to your email. It's the lowest rates and work with a local agent. If you need to get a rate quote from one company in particular, just visit that company's website to submit a rate quote request.
Choosing the best provider shouldn't rely on just the quoted price. Below are some questions you should ask.
- What discounts might you be missing?
- How are they compensated?
- Which companies do they recommend if they are an independent agency?
- Do they offer rental car reimbursement?
- By raising physical damage deductibles, how much would you save?
- What is the agency's Better Business Bureau rating?
- Are they able to provide referrals?
- Is there a Errors and Omissions policy in force?
Choose an insurance agent wisely
If you want to use a local agent, it can be helpful to understand the types of agencies and how they are slightly different. Insurance agencies in Aurora can be categorized as either independent or exclusive depending on the company they work for.
Agents of this type are contracted to one company such as American Family, State Farm, and Allstate. Exclusive agencies are unable to provide other company's prices so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on what they offer which aids in selling service over price. Some people will only use the same agent mainly due to the brand legacy rather than low price.
Below are Aurora exclusive agencies that can give you price quotes.
- Allstate Insurance: Mark Graham
1450 S Havana St Ste 308 - Aurora, CO 80012 - (303) 755-2600 - View Map
- State Farm: Joel Kruschwitz
9801 E Colfax Ave - Aurora, CO 80010 - (303) 344-1175 - View Map
- Bill Mahaffy III - State Farm Insurance Agent
15281 E Smoky Hill Rd - Aurora, CO 80015 - (720) 886-0400 - View Map
Independent insurance agents can sell policies from many different companies and that enables them to quote your coverage through many different insurance companies and get the cheapest rates. If premiums increase, they can switch companies in-house which makes it simple for you. If you are comparing rate quotes, we highly recommend that you include price quotes from at a minimum one independent agency to get the most accurate price comparison. Most also have access to smaller companies which can be an advantage.
Listed below are Aurora independent insurance agents who can help you get price quote information.
- Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map
- All Drivers Insurance
12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
If you feel you receive good answers to any questions you may have as well as a affordable price, most likely you have located an auto insurance agent that is reputable and can provide insurance coverage. Just remember consumers can cancel your coverage whenever you choose to so don't think you are locked into the insurance policy for the full policy term.
Be skeptical of insurance ads
Companies like State Farm, Allstate and GEICO regularly use ads on television and other media. They all convey the message about savings after switching your policy. How does each company give you a lower rate on Chevy Malibu insurance in Aurora?
Many companies have specific criteria for the type of customer that earns them the highest profit. An example of this type of insured could be between the ages of 30 and 45, owns a home, and drives less than 5,000 miles a year. Any new insured that meets those criteria is entitled to the best price as well as cut their rates substantially.
Consumers who fall short of these standards may be required to pay higher premium rates which usually ends up with the prospect going elsewhere. The ads state "customers that switch" not "all people who quote" save that much. That is how insurance companies can advertise the way they do. Because of these techniques, you should compare as many free Aurora auto insurance quotes as you can. Because without a comparison, you cannot know which company will have the best car insurance rates at this point in time.
Your situation helps dictate your coverage
When quoting and choosing a policy, there isn't really a cookie cutter policy. Every situation is different.
For example, these questions could help you determine whether you might need professional guidance.
- Is a new car covered when I drive it off the dealer lot?
- What is an umbrella policy?
- Does my car insurance cover rental cars?
- How much can I save by bundling my policies?
- Does my Chevy Malibu need full coverage?
- Can I use my car for my catering business?
- What if I don't agree with a claim settlement offer?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Cheaper rates are available
Drivers change insurance companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason, finding a great new company can be easier than you think.
Lower-priced Chevy Malibu insurance in Aurora is definitely available online and with local Aurora insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not provide price quotes online and most of the time these small insurance companies sell through local independent agencies.
We just showed you many ways to save on Chevy Malibu insurance in Aurora. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small local company.
To read more, take a look at the articles below:
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Auto Insurance is Cheapest for Veterans in Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Infrequent Drivers? (FAQ)
- What Auto Insurance is Cheapest in Centennial, Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Camry in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance Rates for Drivers with a DUI? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)