- Factors That Impact Cost of Fort Collins Auto Insurance
- Fort Collins Auto Insurance Tips for a Better Rate
- What affects your Fort Collins insurance rates?
- Insurance Company Ratings (AM Best, and JD Power)
- Companies We Represent
- What Insurance Coverages are Required by the State of Colorado?
- Additional Liability Insurance Coverages Available
- DMV Addresses And Phone Numbers
- Auto Insurance Fort Collins: Frequently Asked Questions
- Q1: What types of coverage does Fort Collins Auto Insurance offer?
- Q2: How can I get a quote?
- Q3: Are there discounts available for Fort Collins Auto Insurance?
- Q4: How much is car insurance in Fort Collins, Colorado?
- Q5: Why is auto insurance so expensive in Colorado?
- Q6: How much is the average car insurance per month in Colorado?
- INSURANCE SERVICES WE OFFER
- Fort Collins Auto Insurance
Factors That Impact Cost of Fort Collins Auto Insurance
There are many factors that can impact the cost of your auto insurance. In Fort Collins driving conditions related to weather is a big one. There’s also factors such as driving and claims history, age, and credit rating. Read on to learn more!
Weather and Driving Conditions
Fort Collins does experience all 4 seasons year-round, although it is extremely popular for it’s fall and winter season.
The summers get hot and the winter is very dry and cold. It is mostly cloudy year-round.
Temperatures will go from 22 degrees up to 89 degrees. You will not see it get below 6 degrees or over 96 degrees. Fort Collins averages at about 25 inches of snow every year, so great for winter sport fanatics!
And what does this weather information have to do with insurance?
Weather events such as tornadoes, fires, hail damage, etc. cause damage to your auto and home property. And unfortunately if you live in an area where these things are very likely to occur, an insurer will raise the rates in that area.
Fort Collins Weather At A Glance |
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Summer High: 96 degrees in July |
Winter Low: 19 degrees in January |
Rain: 16 inches on average per year |
Snow: 25 inches on average per year |
Common Weather Hazards in Fort Collins, CO
- Hail
- Flooding
- Severe Thunderstorms & Lightning
- Severe Winter Storms
- Tornadoes
- Wildfires
Fort Collins Auto Insurance Tips for a Better Rate
Finding affordable auto insurance rates in Fort Collins, Colorado, can be achieved with a few strategic steps. Here are some tips to help you secure a better rate:
- Shop Around: Obtain quotes from multiple insurance companies. Each insurer may offer different rates and discounts, so it’s essential to compare options. Consider both national insurers and local providers in Fort Collins.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for better premiums.
- Choose a Safe Vehicle: Some vehicles are cheaper to insure than others. Cars with high safety ratings and lower theft rates typically have lower insurance premiums. Before purchasing a vehicle, research its insurance costs.
- Bundle Policies: If you have multiple insurance needs, such as auto and home insurance, consider bundling them with the same insurance company. Many insurers offer discounts for bundling policies.
- Increase Deductibles: Opting for a higher deductible can lower your premium. However, make sure you can afford the deductible amount in case of an accident.
- Take Advantage of Discounts: Inquire about available discounts, such as multi-policy discounts, safe driver discounts, good student discounts, and discounts for safety features like anti-theft devices and anti-lock brakes.
- Maintain Good Credit: In many states, including Colorado, insurance companies use credit scores as a factor in determining rates. Improving your credit score can lead to lower insurance premiums.
- Drive Less: Some insurers offer discounts for low-mileage drivers. If you don’t drive frequently, you may qualify for a lower rate. Consider carpooling, using public transportation, or walking for short trips.
- Consider Usage-Based Insurance: Some insurance companies offer usage-based insurance programs where premiums are based on driving habits. If you’re a safe driver, this could result in lower rates.
- Review and Update Coverage Regularly: Periodically review your insurance coverage to ensure it meets your needs. You may be able to adjust coverage levels or remove unnecessary coverage to lower your premium.
Impact on rates | Discounts Available |
Mild | Military |
Mild | Multi Vehicle |
High | Paid in Full |
High | Advanced Quote |
Very High | Continuous Insurance |
High | Auto Pay |
Mild | Homeowners |
Mild | Married |
Mild | Education Discount |
What affects your Fort Collins insurance rates?
Driving & Claim History
Insurance companies go back 3-5 years (dependent on the company) to look at driving and claim history. A clean driving history shows that you are a safe driver and less likely to get into an accident. Claim history is one of the biggest factors when it comes to Fort Collins insurance cost and its easy to understand why; you’re more likely to cost the insurance company. So to cover the cost they raise your premium. It is best to avoid filing small claims on your insurance for that very reason.
Credit Rating
It seems like there isn’t anything in life that isn’t affected by your credit score. Insurance companies found that those with a lower score are more likely to file claims. The best thing you can do is take small steps to improve your credit rating. The Better Credit you have, the lower Fort Collins Auto Insurance will be for you.
Age
As most people know age affects your insurance. The more years of experience you have driving a vehicle the lower the cost of your insurance. At age 25 is when young drivers can expect to notice a big drop in the cost of their auto insurance.
Younger Drivers may find more Affordable Insurance rates by being added to a parent or family member’s auto insurance policy. Once they have a few years of driving experience, they can get their own auto policy without the rates being too expensive.
Younger drivers should always use extreme caution when driving, and learn how to become Defensive driver in order to avoid car accidents. The more experience you have behind your belt, the better of you will be. Always stay safe on the road, and avoid accidents and tickets in order to ensure your auto insurance cost will go down.
Factor | Rate Impact |
Vehicle Make and Model | Medium |
Education | Low |
Anual Mileage | Low |
State Requirements | Medium |
Major Violations (DUI,DWI,etc) | High |
Vehicle Safety Features | Medium |
Vehicle Performance | Medium |
Type of Vehicle Coverage | Medium |
Credit history | High |
How many drivers per vehicles listed | Medium |
Fort Collins Auto Insurance:
Insurance Company Ratings (AM Best, and JD Power)
In today’s day and age, most people do extensive research looking at reviews and ratings before purchasing a service or a product.
Auto Insurance is no different!
What is an A-Rated insurance company?
An A-Rated insurance company is a company that credit agencies judge to be more likely to honor the terms on a consumer’s insurance policy, pay back its creditors, and pay claims presented. Many companies today are rated with these factors which allows consumers to make a quicker decision without spending hours researching each company they are considering.
Price is not always the biggest factor. Consider checking into a companies ratings to ensure you are getting the best price, but the best service as well. Drivers should be able to trust that their Fort Collins insurance company will be there for them when they are needed, and this includes a car accident. If you’ve been in an auto accident, you know the importance of claims being taken care of promptly and efficiently to ensure you are back on the road.
Below are some of the best rated companies in Fort Collins for Fort Collins Auto Insurance.
INSURANCE COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
---|---|---|
Automobile Club Group | 857 | A++ |
State Farm | 878 | A++ |
MetLife | 867 | A+ |
Progressive | 865 | A |
COUNTRY Financial | 896 | A+ |
MAPFRE Insurance | 842 | A |
The Hartford (AARP insurance) | 873 | A+ |
Erie Insurance | 879 | A+ |
Amica Mutual | 898 | A+ |
GEICO Auto Insurance | 879 | A++ |
NJM Insurance Co. | 875 | A+ |
Liberty Mutual Insurance | 857 | A |
USAA | 900 | A++ |
Fort Collins Auto Insurance:
Companies We Represent
One of the great things about us is when you call in to get a quote, we can give you prices from different carriers. This saves you time, so you do not have to sit on the phone all day calling different companies.
Below is a list of our trusted carriers.
We work with trusted brands such as:
Assurance America, Progressive, Dairyland, Gainsco, The General, Advantage Auto (Mendota), ASI, National General, Suncoast, Travelers, and Bristol West (Foremost Star)
Fort Collins Auto Insurance:
What Insurance Coverages are Required by the State of Colorado?
The basic coverage is typically a split limit liability policy broken down into two sections:
Liability for bodily injury, and liability for property damage.
The liability for bodily injury is also divided further into two separate sections: Bodily injury per person, and bodily injury per accident.
The state minimum liability limits for Colorado are shown in an auto insurance policy as 25/50/15.
Numerically speaking those numbers represent up to $25,000 per person in bodily injury protection, up to $50,000 per accident in personal injury protection, and up to $15,000 in property damage protection.
Fort Collins Auto Insurance:
Additional Liability Insurance Coverages Available
Additional coverage includes, but is not limited to:
- Uninsured motorist bodily injury protection
- Underinsured motorist property damage protection
- Medical pay
- Comprehensive coverage
- Collision coverage
- Rental reimbursement
- Roadside assistance
- Lease loan payoff.
The uninsured motorist protection options will help protect you from other drivers who may hit you in an accident, they are at fault, but are not carrying an active Insurance policy for Fort Collins, Colorado.
Medical Payments goes out for you and per person in your vehicle for medical payments regardless of who causes the accident. Companies generally offer up to $5,000.
Comprehensive and collision coverage are the elements that help form what people commonly refer to as full coverage insurance. Comprehensive will help protect the vehicle from resulting damage not caused by an accident such as theft, fire, vandalism, glass, etc.
Collision coverage is what helps protect your vehicle damage in the event of an accident – even if you are the one, who is at fault. Comprehensive and collision coverage are usually associated with a deductible.
Medical Payments goes out for you and per person in your vehicle for medical payments regardless of who causes the accident. Companies generally offer up to $5,000.
Comprehensive and collision coverage are the elements that help form what people commonly refer to as full coverage insurance. Comprehensive will help protect the vehicle from resulting damage not caused by an accident such as theft, fire, vandalism, glass, etc.
Collision coverage is what helps protect your vehicle damage in the event of an accident – even if you are the one, who is at fault. Comprehensive and collision coverage are usually associated with a deductible.
Rental Reimbursement would come in handy if your vehicle were to be out of commission and you needed a vehicle to drive. Rental Reimbursement will Reimburse you a certain amount per day for a rental vehicle.
Roadside would also be nice to have if you were to be broken down on the side of the road and needed assistance with a flat tire, fuel delivery, lockout services, tow or battery jump. All Roadside packages vary in coverages so be sure to look into what your Roadside Assistance covers.
Company Info: The following address is mailing only.
A Auto Insurance Fort Collins
107 East Harmony Road
Fort Collins, CO 80525
Phone: 970-672-1243
Insurance Fort Collins:
DMV Addresses And Phone Numbers
Having a car and auto insurance means you must deal with the DMV.
Though it may not always be a fun place to go to, it is a useful place. And now with COVID-19, you may even be able to do some of your things online or schedule an appointment online to make things a little easier on you.
If you are in the Fort Collins area, the DMV closest to you would be The Fort Collins DMV at 3030 S College Ave #100.
Fort Collins Registration & Titling
200 W Oak St, Fort Collins, CO 80522
970-498-7878
Fort Collins Driver License Office
3030 College St Suite 100, Fort Collins, CO 80526
303-205-5600
Auto Insurance Fort Collins: Frequently Asked Questions
Q1: What types of coverage does Fort Collins Auto Insurance offer?
Fort Collins Auto Insurance typically offers liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and more.
Q2: How can I get a quote?
To get a quote, you can visit our website or call us at 1.888.445.2793 to speak with one of our representatives.
Q3: Are there discounts available for Fort Collins Auto Insurance?
Yes, we offer various discounts for Fort Collins Auto Insurance, including safe driver discounts, multi-car discounts, and more. Contact us for details.
Q4: How much is car insurance in Fort Collins, Colorado?
The cost of car insurance in Fort Collins, Colorado, varies based on factors like driving history, vehicle type, and coverage options. For specific rates, please contact us or request an insurance quote online.
Q5: Why is auto insurance so expensive in Colorado?
Auto insurance rates in Colorado may be higher due to factors such as increased traffic, weather-related claims, and the cost of medical services. Each policy is unique, so for more detailed information, please reach out to us.
Q6: How much is the average car insurance per month in Colorado?
The average monthly cost for car insurance in Colorado can vary widely based on individual circumstances. For a personalized estimate, please contact us or request a quote online.
INSURANCE SERVICES WE OFFER
Auto Insurance
Don’t give up…we can help you find affordable rates, need an SR-22? We got you!
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Other Insurance Types
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Additional Colorado Insurance |
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Auto Insurance Aurora, CO |
Auto Insurance Castle Rock, CO |
Fort Collins Auto Insurance
Description: Learn about the best auto insurance options in Fort Collins, Colorado.
Author: Your Name
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Main Entity URL: https://learnandserve.org/auto-insurance-fort-collins/
Article Body:
- Types of auto insurance available
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To get a personalized quote, call us at 1.888.445.2793.
Last Updated on by Marlon Moss