Insurance rates Honda Insight in Fort CollinsBeing forced to pay for expensive auto insurance premiums can draw down your savings account and put the squeeze on your family's finances. Getting a rate comparison can save money and help to slash your bill and have more diposable income.

A recent survey discovered that most auto insurance buyers kept their coverage with the same auto insurance company for at least the last four years, and 38% of drivers have never even compared rates from other companies. Many drivers in Colorado could save 35% every year by just shopping around, but they won't spend time to shop their coverage around. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to get the best rate on Honda Insight insurance in Fort Collins.

Discounts can help save money on Honda Insight insurance in Fort Collins

Companies do not list every disount available in a way that's easy to find, so the list below contains a few of the more well known and the harder-to-find credits available to bring down your rates.Cheaper car insurance with discounts

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Car insurance companies that possibly offer these discounts may include but are not limited to:

If you want the cheapest Honda Insight rate quotes, ask all the companies which discounts you qualify for. Some discounts may not apply in Fort Collins. If you would like to choose from a list of insurers with significant discounts in Colorado, click here.

Getting cheaper Honda Insight insurance pricing is pretty simple and can save money. The only thing you need to do is spend a few minutes to get quotes from different insurance companies.

Getting free price quotes online is quite simple, and it makes it a waste of time to drive around to local Fort Collins insurance agencies. Comparing Honda Insight insurance rates online has made agencies unnecessary unless your situation requires the extra assistance of an agent trained in personal lines coverage. It is possible with some companies get the lowest quotes online but still have the advice of a local agent.

The companies in the list below provide comparison quotes in Fort Collins, CO. If several companies are displayed, it's a good idea that you compare several of them in order to get a fair rate comparison.

Honda Insight Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $112 $238 $330 $20 $98 $798 $67
Insight EX $186 $416 $474 $28 $142 $1,246 $104
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in Fort Collins location which can modify coverage prices greatly.

Rate comparison for different deductibles

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The data tables below help summarize the differences in premium rates between high and low policy deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Honda Insight insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $236 $458 $352 $20 $106 $1,197 $100
Insight EX $272 $538 $352 $20 $106 $1,313 $109
Get Your Own Custom Quote Go
Honda Insight insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $146 $288 $352 $20 $106 $912 $76
Insight EX $168 $340 $352 $20 $106 $986 $82
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in your specific Fort Collins location which can affect rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $26 more each month or $312 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 29 months between claim filings, you would come out ahead if you elect the higher deductible.

Deductible analysis

The diagram below illustrates how your deductible choice and can raise or lower Honda Insight insurance premiums for different age categories. The data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Honda Insight insurance rates by gender

The diagram below illustrates the difference between Honda Insight insurance costs for male and female drivers. The premium estimates are based on no claims or violations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied.

Local neighborhood agents and auto insurance

Some people would rather buy from a local agent and often times that is recommended Professional insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

After filling out this simple form, your insurance coverage information is transmitted to participating agents in Fort Collins who will give you bids for your auto insurance coverage. You never need to contact an agency because prices are sent immediately to you. If you want to get a price quote from one company in particular, you would need to find their quoting web page and give them your coverage information.

Selecting an insurance company is decision based upon more than just the premium amount. The answers to these questions are important, too.

If you're trying to find a local Fort Collins insurance agency, it can be helpful to understand the types of agencies and how they work. Fort Collins agents are either exclusive or independent agents depending on their company appointments. Both types of agents can sell and service auto insurance coverage, but it's worth mentioning the differences since it can impact buying decisions.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can only provide one company's prices and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are very knowledgeable on their company's products which aids in selling service over price.

Below are exclusive agencies in Fort Collins who can help you get price quote information.

335 E Mountain Ave - Fort Collins, CO 80524 - (970) 482-3952 - View Map

4050 S Timberline Rd Unit 100 - Fort Collins, CO 80525 - (970) 377-0676 - View Map

3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map

More Fort Collins agents

Independent Agents (or Brokers)

Agents in the independent channel are not required to write business for one company and that allows them to write policies through many companies and possibly get better coverage at lower prices. If you want to switch companies, an independent agent can move your coverage which is easy for the insured. If you need cheaper auto insurance rates, you will definitely want to get quotes from independent agents to get the most accurate price comparison.

Below is a short list of independent insurance agents in Fort Collins that are able to give rate quotes.

4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

2627 Redwing Rd #330 - Fort Collins, CO 80526 - (970) 223-5902 - View Map

1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map

More Fort Collins agents

Upon getting satisfactory answers to these questions and locked in a price quote, it's possible that you found an auto insurance agent that can be trusted to properly service your auto insurance policy.

Compare but don't skimp

Lower-priced insurance in Fort Collins can be sourced online and also from your neighborhood Fort Collins agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not offer rates over the internet and many times these regional insurance providers only sell coverage through local independent agencies.

As you quote Fort Collins car insurance, don't be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage for the lowest price, but do not skimp to save money.

In this article, we covered a lot of techniques to compare Honda Insight insurance rates in Fort Collins. The key thing to remember is the more providers you compare, the better your comparison will be. You may even be surprised to find that the best price on insurance is with the least-expected company. They may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive and GEICO.

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