Fort Collins

Cheap Car Insurance Fort Collins, Colorado

Fort Collins Auto & Home Insurance

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Fort Collins Weather And Driving Conditions

Fort Collins does experience all 4 seasons year-round! All though it is extremely popular for its 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!

Fort Collins, Colorado
Summer High: the July high is around 96 degrees
Winter Low: the January low is 19 degrees
Rain: averages 16 inches of rain a year
Snow: averages 25 inches of snow a year


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. https://www.colorado.gov/

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

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. Below are some of the best rated companies in Fort Collins.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Automobile Club Group857A++
State Farm878A++
MetLife867A+
Farmers Insurance865A
COUNTRY Financial896A+
MAPFRE Insurance842A
The Hartford (AARP insurance)873A+
Erie Insurance879A+
Amica Mutual898A+
GEICO Auto Insurance879A++
NJM Insurance Co. 875A+
Liberty Mutual Insurance857A
USAA900A++

Insurance Companies We Represent In Fort Collins

One of the great things about us is when you call in to get a quote, we can give you prices from different carriers! Saves you time, so you do not have to sit on the phone all day calling different companies. Below is a list of insurance carriers that we use!

Progressive
Bristol West
The General
Victory
Assurance America
Suncoast
Safeway
Travelers
Orion 181
Best Choice
Foremost Star
Mendota
USLI
ASI
Gainsco
Dairyland
 

What Insurance Coverages are Required by the State of Colorado?

First and foremost, Colorado is considered an at-fault state. This means that the person who is deemed to be at fault in an accident is the person who is held liable for the damage.  This helps protect other people from you as the driver. 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 number 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. For example, if you were to cause an accident and you were carrying the state minimum liability limits for Fort Collins, the auto insurance policy would pay up to $25,000 per person.  It will also restrict the maximum to $50,000 per accident if you damage multiple people for the bodily injury.  Please keep in mind that this is not medical coverage for you, it is for the individuals in the car or vehicle you hit.

Your car insurance would also pay up to $15,000 per accident for property damage you caused to other items that do not include your vehicle. If you cause more damage in an accident exceeding the liability limits you have set, then you as the driver would still be held liable for the damage that was not covered by the policy that you have set in force. For this reason, you may elect to spend a little bit more and choose a policy that has increased limits of liability that are above the state minimum to help distance yourself from any liability you may cause in an accident. Once you have the liability limits established by your insurance policy, then you can add additional coverage to help extend your protection while driving on the roads in Colorado.

Protect yourself with the right amount of insurance and take to the road with confidence.

Additional Liability Insurance Coverages Available

Additional coverage’s include, but are not limited to, uninsured motorist bodily injury protection, uninsured motorist property damage protection, medical pay, comprehensive coverage, collision coverage, rental reimbursement, roadside assistance , and 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 policy for Fort Collins, Colorado.

Medical Pay goes out for you and per person in your vehicle for Medical payments irregardless of who causes the accident. Generally up to $5,000 companies offer.

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. 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, no fuel, or were to be in an accident.

Frequently Asked Questions

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Last Updated on July 5, 2021 by Justine Pronk

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