Tested Tricks for Cheaper Fort Collins, CO Car Insurance

Perplexed by the number of car insurance options in Fort Collins? You’re not the only one! You have so many choices that it can turn into a big hassle to locate the lowest price.

Finding affordable car insurance in Fort Collins is quite easy. In a nutshell, anyone who shops for car insurance stands a good chance to be able to reduce their rates. Although Colorado drivers must know how insurance companies determine prices.

Do you qualify for discounts?

Car insurance can cost a lot, but you can get discounts to help bring down the price. Some trigger automatically when you quote, but some must be inquired about in order for you to get them.

  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Homeowners Savings – Owning a house in Fort Collins may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Government Employees – Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • E-sign – A few companies give back up to $50 for buying your policy digitally online.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

To see a list of companies with the best car insurance discounts in Colorado, click here to view.

How to Compare Car Insurance Costs in Fort Collins, CO

All the larger car insurance companies such as State Farm and Allstate provide price estimates on their websites. This process is fairly simple as you simply enter your required coverages as detailed in the form. When complete, the company’s rating system requests information on your driving record and credit history and returns a price quote.

Online quotes makes it a lot easier to compare rates but the time required to go to a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to get the best price possible.Colorado insurance prices

The easy way to compare rates

An easier way to lower your rates uses one form that analyzes rates from several companies at one time. It saves time, eliminates form submissions, and makes price shopping online much more enjoyable. After your information is entered, your coverage is rated and you can choose your choice of the quotes that you receive.

If you find a better price you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you duplicate the coverages identical to your current policy. This way, you are getting rate comparison quotes for similar coverage.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can help discover if your situation might need professional guidance.

  • How high should my medical payments coverage be?
  • What are Colorado no-fault laws?
  • I don’t drive much so do I pay less?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When does my teenage driver need to be added to my policy?
  • Is my teen driver covered when they drive my company car?
  • Do I need PIP (personal injury protection) coverage in Colorado?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Colorado insurance prices

Smart shoppers get results

Drivers leave their current company for any number of reasons including denial of a claim, questionable increases in premium, high rates after DUI convictions or even an unsatisfactory settlement offer. Regardless of your reason, switching companies is not as difficult as it may seem.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Budget-conscious car insurance is definitely available on the web as well as from independent agents in Fort Collins, so compare prices from both to have the best chance of lowering rates. Some car insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.