Nobody I know looks forward to paying for insurance, particularly when the price is too high.

Regrettably, nearly 70% of consumers kept buying from the same company for at least four years, and almost half have never compared insurance rates at all. With the average premium in America being $1,847, drivers could save an average of up to $859 each year by just comparing quotes, but they don't understand how simple it is to find lower-cost insurance by shopping around.

Companies like Allstate, Progressive and GEICO persitently shower you with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you have insurance now, you will most likely be able to reduce premiums using the concepts covered in this article. Buying the cheapest insurance in Fountain is easy if you know what you're doing. But Colorado car owners need to have an understanding of how companies set your policy premium.

Companies offering affordable price quotes in Colorado

The companies shown below are ready to provide comparison quotes in Fountain, CO. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Fountain
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,014 $507 $85
Chevrolet Silverado Crew Cab Hybrid 2WD $938 $469 $78
Dodge Ram Crew Cab ST 4WD $1,514 $757 $126
Ford Escape XLS 4WD $936 $468 $78
Ford F-150 FX4 4WD $956 $478 $80
Ford Focus SES 4-Dr Sedan $1,066 $533 $89
Honda Accord LX-S 2-Dr Coupe $1,296 $648 $108
Honda CR-V EX-L 4WD $1,046 $523 $87
Honda Civic GX 4-Dr Sedan $1,032 $516 $86
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,608 $804 $134
Nissan Altima Hybrid 4-Dr Sedan $1,646 $823 $137
Toyota Camry SE $1,466 $733 $122
Toyota Corolla LE $1,128 $564 $94
Volkswagen Jetta S 4-Dr Sedan $1,508 $754 $126
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can influence premiums considerably.

Impact of speeding/accidents on auto insurance rates

The chart below demonstrates how speeding tickets and accident claims can drive up Nissan Altima car insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Cheaper Fountain car insurance rates with discounts

Insurance can be prohibitively expensive, but there may be some discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some need to be specially asked for in order for you to get them. If you do not double check each discount you deserve, you could be saving more on your car insurance.Discount car insurance

As a sidenote, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, companies wouldn't make money that way.

For a list of insurance companies with significant discounts in Colorado, click here to view.

Components of your insurance rates

Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like your driving record, but other factors are less obvious such as your marital status or your commute time. Consumers need to have an understanding of some of the things that play a part in calculating your premiums. When you understand what determines premiums, this enables informed choices that could result in better auto insurance rates.

Shown below are some of the things used by companies to determine your rate level.

Don't give up on affordable rates

We've covered a lot of techniques to save on auto insurance in Fountain. The key thing to remember is the more times you quote, the better likelihood of getting low cost Fountain auto insurance quotes. You may even be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Some insurance providers may not have rate quotes online and many times these regional carriers work with local independent agencies. Cheaper auto insurance in Fountain is available on the web and from local agencies, so you need to compare both in order to have the best chance of saving money.

Additional auto insurance information is located below: