Consumer Information for Researching an Aurora, CO Insurance Agent

When searching for an insurance agent in Aurora, CO, we recommend you begin your search for an agent online instead of calling around. Consumers require a highly trained agent, but also need affordable rates.

Lots of insurance agents contend for your hard-earned dollar, so it can be very hard to choose a insurance agent and get the best coverage at the best rate

Online price comparisons from Aurora agents

Good agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.

Upon completion of this form (opens in new window), your information is submitted to local insurance agents who will battle for your business. You don’t have to leave your computer because quoted prices will be sent straight to your inbox. How cool is that?!

Choosing a car insurance agent requires more thought than just the price. Here are some questions to ask:

What is the agency’s Better Business Bureau rating?
Did they already check your driving record and credit reports?
Is vehicle damage repaired with OEM or aftermarket parts?
Does the agency support the community they serve?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do they make recommendations based only on price?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Is working in the agency their full-time job?

Insurance agent types

When researching a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Aurora can either be independent (non-captive) or captive. Both insure your vehicles, but it’s important to know the difference between them because it can impact buying decisions.

Captive Agents

These agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so they have to upsell other benefits. These agents are well schooled on their company’s products and that can be a competitive advantage.

The following is a list of captive agencies in Aurora who can help you get price quote information.

Shelter Insurance – 4343 S Buckley Rd # 305 – Aurora, CO 80015 – (303) 680-1441
Farmers Insurance Group – 15200 E Girard Ave # 3150 – Aurora, CO 80014 – (303) 400-8671
Liberty Mutual Insurance – 2495 S Havana St # F8 – Aurora, CO 80014 – (303) 750-9355
American Family Insurance – Smoky Hill and Gun Club Rd – Aurora, CO 80014 – (303) 475-4629
Allstate Insurance – 2221 S Peoria St – Aurora, CO 80014 – (303) 751-1222
State Farm Insurance – 15260 E Hampden Ave – Aurora, CO 80014 – (303) 693-1650

Independent Insurance Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part.

When shopping rates, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.

Shown below are independent agents in Aurora that are able to give price quote information.

Phillip Insurance – 3025 S Parker Rd # 203 – Aurora, CO 80014 – (303) 745-0448
A Auto Agency – 543 Sable Blvd – Aurora, CO 80011 – (303) 426-8668
William A Johnson Agency – 2280 S Xanadu Way – Aurora, CO 80014 – (720) 579-0210
Boling Agency – 13743 E Mississippi Ave # 100 – Aurora, CO 80012 – (303) 341-4242
Co West Insurance Of Aurora – 14211 E 4th Ave – Aurora, CO 80011 – (303) 363-8333

For a complete listing of Aurora insurance agents, simply jump to this page.

Once you have positive feedback for all questions you ask and an acceptable price quote, you have narrowed it down to an auto insurance agent that will insure your vehicles.

Are online companies an option?

Local insurance agents are indespensible for some people, but Colorado car insurance can also be bought direct from companies online. Certain auto insurance companies, such as Farmers Insurance and State Farm, that are more known for using agents, also let you buy direct online, so that should be considered if finding the best price is important.

If you’re concerned about not having an agent to talk to when buying car insurance direct, this is expected but don’t let that bother you. Companies provide options to answer your questions. Many online companies also provide anytime access to help and a customer research section that you can use before buying.

Do online companies provide lower prices? The answer to that question is complicated because of the fact that insurance companies use many factors that impact your premium. You may think that shopping online for auto insurance saves by not paying a commission. But in most cases, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

Additional detailed information is located at the Colorado DORA Division of Insurance website. Consumers can view a list of available companies, find disaster information, report car insurance fraud, and get help finding coverage.

Compare but don’t skimp

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, poor customer service, unfair underwriting practices or denial of a claim. Whatever your reason, finding a great new company is not as hard as you think.

Lower-priced car insurance can be found from both online companies and also from your neighborhood Aurora agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.