Do you want more affordable Toyota 4Runner insurance in Fort Collins? I can't think of anyone who is fond of buying auto insurance, especially when they know they are paying too much.

Insurance quote for Toyota 4Runner in Fort CollinsStatistics show that most consumers in Colorado have purchased from the same company for well over three years, and nearly the majority have never compared rates from other carriers. American drivers can save $850 each year just by getting comparison quotes, but they just don't understand the amount of savings they would get if they switched to a more affordable policy.

There is such a variety of auto insurance companies to insure vehicles with, and even though it's nice to be able to choose, more choices can make it harder to locate the cheapest rates for Toyota 4Runner insurance in Fort Collins.

Consumers should take time to take a look at other company's rates occasionally because insurance rates are constantly changing. Just because you found the best premium rates on Toyota 4Runner insurance in Fort Collins last year other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to get good coverage on Toyota 4Runner insurance in Fort Collins at a lower rate.

Locating the best insurance company for you in Fort Collins is not that difficult as long as you know where to start. Virtually everyone who buys auto insurance will most likely be able to find lower rates. Although Colorado consumers do need to know how big insurance companies charge you for coverage and take advantage of how the system works.

The method we recommend to compare insurance rates from multiple companies is to understand all the major auto insurance companies actually pay money for the chance to quote your coverage. All you need to do is give them rating details including if you have a valid license, if it has an alarm system, driver details, and marital status. The data gets sent immediately to insurance carriers in your area and they return rate quotes immediately.

To compare multiple company lower-cost Toyota 4Runner insurance rates now, click here and complete the quick form.

The companies shown below provide free quotes in Fort Collins, CO. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Toyota 4Runner Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $342 $448 $298 $18 $90 $1,196 $100
4Runner SR/5 2WD $300 $526 $362 $22 $108 $1,318 $110
4Runner Sport 4WD $244 $424 $362 $22 $108 $1,160 $97
4Runner SR/5 4WD $250 $368 $298 $18 $90 $1,024 $85
4Runner Trail Edition 4WD $364 $726 $388 $22 $116 $1,616 $135
4Runner Limited 2WD $390 $538 $392 $24 $118 $1,462 $122
4Runner Limited 4WD $294 $556 $338 $20 $102 $1,310 $109
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in garaging location in Fort Collins which can modify rates significantly.

Rate difference between full and liability-only coverage

The information below illustrates the difference between Toyota 4Runner insurance premiums with and without full coverage. The costs are based on no claims, a clean driving record, $1,000 deductibles, single male driver, and no discounts are factored in.

Should you pay for full coverage?

There is no definitive rule of when to stop paying for physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Toyota 4Runner book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your policy deductible. If it's costing in excess of $300 annually for full coverage, then you might want to think about dropping full coverage.

There are a few situations where only buying liability is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Raise deductibles and save

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The following tables highlight the cost difference of buying low and high physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Toyota 4Runner insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $306 $376 $298 $18 $90 $1,113 $93
4Runner SR/5 2WD $306 $458 $298 $18 $90 $1,195 $100
4Runner Sport 4WD $306 $458 $298 $18 $90 $1,195 $100
4Runner SR/5 4WD $306 $458 $298 $18 $90 $1,195 $100
4Runner Trail Edition 4WD $342 $538 $298 $18 $90 $1,311 $109
4Runner Limited 2WD $342 $538 $298 $18 $90 $1,311 $109
4Runner Limited 4WD $342 $538 $298 $18 $90 $1,311 $109
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Toyota 4Runner insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $190 $236 $298 $18 $90 $832 $69
4Runner SR/5 2WD $190 $288 $298 $18 $90 $884 $74
4Runner Sport 4WD $190 $288 $298 $18 $90 $884 $74
4Runner SR/5 4WD $190 $288 $298 $18 $90 $884 $74
4Runner Trail Edition 4WD $210 $340 $298 $18 $90 $956 $80
4Runner Limited 2WD $210 $340 $298 $18 $90 $956 $80
4Runner Limited 4WD $210 $340 $298 $18 $90 $956 $80
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can revise prices considerably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $27 more each month or $324 a year than buying the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 28 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will necessitate some extra savings in the event you need to pay the deductible for vehicle repair.

Auto insurance deductibles

The example below highlights how deductible selection and can influence Toyota 4Runner insurance costs for each different age category. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.

Save a ton with discounts

Companies that sell car insurance don't always advertise every available discount very clearly, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy Fort Collins auto insurance online.Auto insurance discounts

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

To find insurance companies that offer discounts in Colorado, follow this link.

Why you need to buy car insurance

Despite the fact that car insurance is not cheap in Fort Collins, insuring your vehicle serves an important purpose.

The benefits of carrying adequate insurance more than offset the price you pay, especially for larger claims. Unknowingly, the average driver overpays as much as $855 a year so you should quote your policy with other companies at every policy renewal to be sure current rates are still competitive.

Shop online but buy locally

A lot of people still like to talk to an insurance agent and that is a smart decision An additional benefit of comparing rates online is that drivers can save money and get cheap car insurance rates but also keep your business local.

Once you complete this quick form, your coverage information is instantly submitted to agents in your area who will gladly provide quotes for your car insurance coverage. You won't even need to do any legwork as quotes are delivered to the email address you provide. You can find lower rates without requiring a lot of work. If you wish to get a comparison quote from a specific car insurance provider, just find their quoting web page and give them your coverage information.

Finding the right insurance company should depend on more than just a cheap quote. Any agent in Fort Collins should have no problem answering these questions:

Listed below are agents in Fort Collins that may be willing to give rate quotes for Toyota 4Runner insurance in Fort Collins.

1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map

3636 S College Ave - Fort Collins, CO 80525 - (970) 223-1111 - View Map

2170 W Drake Rd Ste B8 - Fort Collins, CO 80526 - (970) 484-4000 - View Map

19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map

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