FORT COLLINS AUTO INSURANCE
Fort Collins inspired the look of Disney. This Bicycle town is as inspiring as our Beer! So as you cruise around from City Park to Old Town you need insurance at a great rate…Let A Plus Insurance do the shopping for you.
- Factors That Impact Cost of Fort Collins Auto Insurance
- 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
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|
|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
- Severe Thunderstorms & Lightning
- Severe Winter Storms
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 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.
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.
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
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.
Below are some of the best rated companies in Fort Collins.
|INSURANCE COMPANY||J.D. POWER CLAIMS||A.M. BEST RATING|
|Automobile Club Group||857||A++|
|The Hartford (AARP insurance)||873||A+|
|GEICO Auto Insurance||879||A++|
|NJM Insurance Co.||875||A+|
|Liberty Mutual Insurance||857||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.
Auto Insurance Fort Collins:
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.
Protect yourself with the right amount of insurance and take to the road with confidence.ck out our quick guide to
Fort Collins Auto Insurance:
Additional Liability Insurance Coverages Available
Additional coverage’s include, but are 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 policy for Fort Collins, Colorado.
Medical Pay 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.
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.
Company Info: The following address is mailing only.
A Plus Insurance Fort Collins
107 East Harmony Road
Fort Collins, CO 80525
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
Fort Collins Driver License Office
3030 College St Suite 100, Fort Collins, CO 80526
Auto Insurance Fort Collins: Frequently Asked Questions
Who has the best auto insurance in Fort Collins Colorado?
What is a deductible?
Do I need insurance on my utility trailer in Fort Collins Colorado?
It is recommended, but it is not mandatory to carry insurance on your utility trailer to get a registration in Colorado.
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Last Updated on by Shawn Christie