Would you like to stop overpaying and find lower-priced Toyota Prius insurance in Aurora? Are you at wits end from robbing Peter to pay Paul to keep your car insured? Your situation is no different than the majority of other vehicle owners in Colorado.

Insurance quote for Toyota Prius in AuroraIt's hard to fathom, but a large majority of insurance policyholders in Colorado kept their policy with the same company for at least the last four years, and almost 40% of drivers have never quoted insurance rates at all. Many drivers in the United States could cut their rates by almost $859 a year just by shopping around, but they just assume it takes a lot of time to compare rate quotes. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the lowest cost out there.

Consumers should take time to do price comparisons as often as possible because prices go up and down regularly. If you had the best rates on Toyota Prius insurance in Aurora two years ago you can probably find a better premium rate now. Block out anything you think you know about insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.

If you have insurance now or want to find a cheaper company, use these techniques to lower your rates without sacrificing coverage. Finding the cheapest car insurance coverage in Aurora is quite easy if you know the best way to do it. You just have to know how to get comparison quotes using one simple form.

The companies shown below offer comparison quotes in Aurora, CO. If several companies are displayed, we suggest you click on several of them to get the most affordable price.

Toyota Prius Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $262 $454 $280 $16 $84 $1,096 $91
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific Aurora garaging location which can alter rates substantially.

Difference between liability only and full coverage rates

The information below shows the comparison of Toyota Prius yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $1,000 deductibles, single female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula to stop buying physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your Toyota Prius replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying the physical damage deductible. If you are paying in excess of $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few cases where only buying liability is not advised. If you haven't paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Determine discounts on Aurora car insurance

Auto insurance companies don't always advertise all available discounts very well, so the list below contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Aurora auto insurance online. If they aren't giving you every credit possible, it's possible you qualify for a lower rate.Discount car insurance

Remember that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though you would think all the discounts add up to a free policy, you aren't that lucky. Any qualifying discounts should definitely cut your policy premium.

If you would like to view providers that offer discounts in Aurora, follow this link.

Local insurance agents

A small number of people would rather talk to an insurance agent and that is a smart decision Good insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of price shopping on the web is you may find cheap auto insurance rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, the coverage information is transmitted to companies in Aurora that can give you free Aurora auto insurance quotes for your insurance coverage. You don't have to search for any insurance agencies since rate quotes are delivered directly to you. In the event you want to quote rates from a specific company, don't hesitate to search and find their rate quote page and submit a quote form there.

Selecting an provider should include more criteria than just the bottom line cost. The questions below may impact your decision as well.

When finding a reliable insurance agency, it can be helpful to understand the types of insurance agents and how they can service your needs differently. Aurora agents can be categorized as either independent agents or exclusive agents. Either type can sell and service auto insurance coverage, but it's important to point out the subtle differences since it could factor into buying decisions.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company such as Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on what they offer and that enables them to sell even at higher rates.

Shown below are Aurora exclusive insurance agencies that are able to give comparison quotes.

1450 S Havana St Ste 308 - Aurora, CO 80012 - (303) 755-2600 - View Map

5001 S Parker Rd - Aurora, CO 80015 - (303) 773-2019 - View Map

13743 E Mississippi Ave #100 - Aurora, CO 80012 - (303) 363-1757 - View Map

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Independent Auto Insurance Agencies

Independent agents are not locked into one company so they have the ability to put coverage through many different auto insurance companies and potentially find a lower price. If they find a lower price, they can switch companies in-house and you don't have to do anything.

When comparing rates, you definitely need to include price quotes from at a minimum one independent agency to get the best comparison.

Listed below are Aurora independent agents that are able to give rate quotes.

2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map

4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map

3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

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Protect your Prius and other assets

Even though Aurora Prius insurance rates can get expensive, insuring your vehicle is mandatory in Colorado but it also protects more than you think.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Colorado overpays more than $810 a year so compare rates at every policy renewal to ensure rates are competitive.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, EMT expenses, funeral costs, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for liability

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people's claims, and does not provide coverage for 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 policy limits of 25/50/15 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, court costs and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should think about purchasing better liability coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Prius.

Since a lot of drivers carry very low liability coverage limits (25/50/15 in Colorado), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, backing into a parked car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It's also possible to choose a higher deductible on your Prius to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, rock chips in glass and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Do the work, save more money

We covered a lot of tips how to save on Toyota Prius insurance in Aurora. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding cheaper Aurora auto insurance quotes. You may even discover the lowest prices are with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

When you buy Aurora auto insurance online, don't be tempted to reduce needed coverages to save money. In too many instances, an insured dropped collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest cost, but don't skip important coverages to save money.

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