Discount Toyota Venza insuranceHow long has it been since you sat down and looked for cheaper Toyota Venza insurance in Fort Collins? Are you kicking yourself for buying an overpriced car insurance policy? Don't sweat it because you're not the only one.

A recent study showed that most consumers in Colorado have remained with the same car insurance company for at least the last four years, and 38% of customers have never quoted rates to find cheap coverage. Many consumers in America could save an average of up to $850 each year by just comparing quotes, but they don't believe the big savings they would realize if they moved their coverage to a different company.

Due to the large number of online and local companies to choose from, it's nearly impossible to pick the best insurer.

Consumers need to compare prices quite often since prices fluctuate regularly. Even if you think you had the lowest rates on Toyota Venza insurance in Fort Collins a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you're about to learn how to use the internet to buy cheaper Toyota Venza insurance in Fort Collins.

Locating the best rates in Fort Collins can be easy if you know a few tricks. If you're already insured, you will be able to get lower rates using the techniques presented in this article. But Colorado consumers can benefit by having an understanding of the methods companies use to determine premium rates and take advantage of how the system works.

Best companies for Toyota Venza insurance

The following companies are ready to provide comparison quotes in Fort Collins, CO. If the list has multiple companies, we recommend you visit as many as you can in order to find the cheapest rates.

Toyota Venza Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $236 $448 $330 $20 $98 $1,132 $94
Venza AWD 4-Dr $162 $350 $396 $24 $118 $1,050 $88
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can modify premium rates noticeably.

Can higher deductibles save money?

When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The premium rates below help summarize the differences in premium rates when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Toyota Venza insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $342 $644 $352 $20 $106 $1,489 $124
Venza AWD 4-Dr $342 $644 $352 $20 $106 $1,489 $124
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Toyota Venza insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $190 $340 $352 $20 $106 $1,008 $84
Venza AWD 4-Dr $190 $340 $352 $20 $106 $1,008 $84
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location information which can change rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $40 more each month or $480 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 23 months between claims, you would probably save some money if you decide on a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $84
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to note is that a higher deductible level results in more money out-of-pocket when you have a physical damage claim. That will require some available funds in order to pay more to get your vehicle repaired.

How violations and accidents impact rates

The diagram below demonstrates how citations and at-fault accidents increase Toyota Venza auto insurance rates for each age group. The data is based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.

Learn How to Lower Your Insurance Rates

Smart consumers have a good feel for the different types of things that aid in calculating your car insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may result in lower rates.

Discounts can help lower premiums on Toyota Venza insurance in Fort Collins

Companies don't list every discount very well, so we break down some of the best known and the harder-to-find discounts you could be receiving when you buy Fort Collins car insurance online.Save money with discounts

It's important to note that some credits don't apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

If you would like to view companies who offer car insurance discounts in Colorado, click here.

Exclusive and independent auto insurance agents

A lot of people still prefer to have an agent's advice and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is that you can find cheap rate quotes and still have an agent to talk to.

Fort Collins insurance agentsTo help locate an agent, after submitting this quick form, your coverage information is transmitted to agents in your area who will gladly provide quotes for your business. There is no need to contact an agency because quoted prices will be sent straight to your inbox. It's the lowest rates AND a local agent. If you need to get a comparison quote from one company in particular, you would need to go to their quote page and complete a quote there.

Selecting an company should include more criteria than just a low price. Here are some questions to ask:

Don't give up on affordable coverage

You just learned many ideas to shop for Toyota Venza insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest Toyota Venza rate quotes. Consumers could even find that the best rates are with an unexpected company. Regional companies often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.

When buying insurance coverage, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage only to regret that they should have had better coverage. Your objective should be to find the BEST coverage at the best possible price, but don't skip important coverages to save money.

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