Factors Influencing the Cost of Car Insurance in Aurora, CO

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The average cost of auto insurance in Aurora, CO, is $1,372. This is much lower than the cost of insurance in neighboring places such as Cherry Creek, Aetna Estates, Watkins, North Aurora, and Dove Valley. Several factors can affect the cost of auto insurance in Aurora. A thorough comparison of different auto insurance quotes will help car owners in obtaining an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

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Some of the factors that could increase the cost of auto insurance are as follows:

Age of the Driver:

The age of the driver is an important factor in determining the cost of auto insurance in Aurora, CO. The average cost of auto insurance for teenagers here is a massive $4,452. This is 4 times the amount paid by a 50-year-old. A 60-year-old driver pays only $1,210, while a 50-year-old pays $1,210. The cost of auto insurance decreases with the increase in the driving experience, with teenagers paying the most in almost every city in the country. Auto insurance could be expensive if one is an inexperienced driver.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Aurora, CO. A low deductible ($500) usually translates to an increase in the cost of auto insurance while a high deductible ($1,000) translates to a decrease in the cost of auto insurance. 

DUI:

DUIs can prove to be extremely expensive to car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Aurora can be as high as $2,074. This is a $700 increase from the average rate of auto insurance.

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. The cost of auto insurance when the credit score is “poor” or “average” is as high as $2,238 and $1,865, respectively. 

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Aurora, CO. Mainly because it increases the amount of risk being covered by insurers. Following the violations mentioned above, the cost of auto insurance can jump up to $2,297 and $1,708, respectively. 

Other factors that could make auto insurance expensive include not having anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.