Cheap Auto Insurance in Aurora, CO

In the market for auto insurance in Aurora? At CheapCarInsuranceinc.com, you can find the cheapest insurance rates near you. To obtain free car insurance quotes from the major providers today, key your zip code into the quote box on this page.

Aurora is a very popular suburb of Denver. It also has roots in military history, with both the former Army hospital Fitzsimons and the former Lowry Air Force Base having been located there. Additionally, the University of Colorado Denver has a medical campus in Aurora. Find more info on car insurance Colorado below.

Fun fact: Did you know that Aurora is #5 on the list of “Top 50 cities with greatest precentage of females in occupations: Law enforcement workers including supervisors (population 50,000+)”? Learn more about Aurora.

Coverage Requirements - Auto Insurance in Aurora Colorado

In the chart below, you can see the legal minimums as well as the most common types and amounts of coverage:

Coverage	Requirements	Most Common
Liability Bodily Injury	25,500/50,500	105,000/305,000
Liability Property Damage	15,000	100,000
Bodily Injury - Motorist Uninsured	Not required	100,000/300,000
Not required Coverage	Medical Payments Coverage	5,000
Collision Coverage	Not required Coverage	700 Insurance deductible
Comprehensive Coverage	Not required Insurance	300 deductible

While you may only be required to purchase Liability coverage, keep in mind that this won’t protect you financially in every situation. And depending on how you are forking out for your car, you might have no choice but to purchase additional coverage. Some lenders require it for financed vehicles.

Most Colorado drivers are probably forking out around $130 per month for their auto coverage. But Aurora drivers can get discounted premiums for as low as $56/mo*. All you have to do is keep reading this article for tips on collecting Automobile insurance discounts.

The Geico, Farmers, and Amica are offering the lowest available rates in Aurora right now. However, low rates aren’t everything. Sometimes it’s worth a few extra dollars per month to sign up with a company that has high customer and claims service ratings.

Auto insurance carriers evaluate different elements when establishing insurance quotes, including driving violations, accident claims, credit score/rating, education, and business use of the vehicle. In addition, premiums vary from company to company. To make sure you’re still receiving the cheapest rate, compare cheap Aurora auto insurance quotes online.

Most Car Insurance Facts to know in Aurora CO

Insurance companies take numerous elements into account when crafting an auto insurance policy. Regrettably, many of these elements are confusing or impossible to change, such as your gender or the make/model of your car. Other elements your car insurance company may consider include:

Your Zip code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer vehicles on the road, there are fewer possibilities for you to get into a major car accident with another driver. The population of Aurora is 345,803 and the median household income is $49,142.

Automobile Accidents

Because Aurora is a fairly large city, it should come as no surprise that the accident statistics in the chart above are as high as they are. The unfortunate truth is that areas with lots of accidents tend to also have higher insurance prices.

Car Thieving in Aurora

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Aurora was 1,000 in 2013, which is a significant spike from previous years. If you are concerned about auto theft, protect yourself by adding or increasing your Comprehensive coverage.

Your Credit Score

If you are worried about your credit score, take a close look at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums. Drivers with excellent credit can enjoy exceptionally low rates, while poor credit motorists can end up forking out twice as much (or more).

Your Age

Did you know that some companies will charge teenage drivers up to 300% more for insurance than someone twice their age? It all has to do with their overall lack of driving experience. Because of their inexperience, they are much more likely to get into an accident.

Your Driving Record

Did you know that some providers offer a discount called “Accident Forgiveness”? If you have minor violations, such as a speeding ticket or a fender-bender sullying your driving record, you may be able to lower your premiums with such a discount.

Your Vehicle

Luxury vehicles are much more expensive to insure than your standard, run-of-the-mill compact sedan. This is true both because of expensive replacement/repair costs, and because they require much more comprehensive coverage.

Minor Car Insurance elements in Aurora

Did you know that the following elements can also influence your monthly rate?

Your Marital Status

Your Gender

Guess what? Gender isn’t as significant of a factor as it used to be when determining monthly premiums. Most companies these days don’t even charge different rates for males vs. females, all other elements being equal. And those who do rarely charge more than 1-2%.

Your Driving Distance to Work

For most workers in Aurora, the average commute can last anywhere from 25-34 minutes each trip. Carpool rates vary in some areas between 12-20%, but the highest rates of carpooling occur for residents living on the northern and southern parts of the city.

Some insurance providers might make a big deal about how many miles you drive, or your purpose for driving. In truth, these differences in driving habits make no more than a 2-3% difference in monthly premiums. Business vehicles, on the other hand, can be charged 10% higher rates or more.

Your Coverage and Deductibles

Would you like more than the bare minimum coverage on your vehicle, but don’t want to pay the full-coverage premiums? Talk to your provider about raising your deductible. Yes, in the short term it can increase your expenses should you need to file a claim. But you can save each month over the long term.

Your Education

If you don’t want to pay outrageous prices for Aurora car insurance, you might want to consider expanding your education. It’s a proven fact that insurance companies usually give lower rates to drivers with a bachelor’s degree or higher, regardless of profession or salary. In Aurora, most motorists have completed a high school education or some equivalent.

There are quite a few educational options available for those interested in starting a degree program or going back to school. There are private options, such as Anthem College or Concorde Career College. For an associate’s degree, there is also the Community College of Aurora or Pickens Technical College. Moreover, the University of Colorado Denver has a medical campus in Aurora.

Determining your individual financial risk can be very confusing or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.