Looking for the cheapest Hyundai Elantra insurance in Fort Collins? No sane person looks forward to paying premiums for auto insurance, in particular when they could find lower prices if they just compared rates.

Insurance for Hyundai ElantraUnthinkable but true, most auto insurance customers have stayed with the same insurance company for four years or more, and just under half have never compared auto insurance rates at all. Colorado drivers could save an average of roughly $605 each year just by getting comparison quotes, but they don't know how much savings they would realize if they switch to a new company. Since people have many companies and agents to choose from, it can be hard to pick a lower cost auto insurance provider.

It's smart to take a look at other company's rates as often as possible because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest quotes on Hyundai Elantra insurance in Fort Collins a year ago you may be paying too much now. You'll find quite a bit of inaccurate information about Elantra insurance on the internet, but in just a couple of minutes you can learn a bunch of ideas how to lower your auto insurance rates in Fort Collins.

Finding more affordable protection in Fort Collins is not as hard as you may think. If you have insurance now or are shopping for new coverage, use these tips to cut your premiums without having to cut coverage. Smart shoppers only have to learn the fastest way to shop their coverage around instantly.

Getting cheaper Hyundai Elantra auto insurance pricing is a fairly straight forward process. All that's required is to invest a little time comparing free Fort Collins auto insurance quotes to discover which company has cheaper Fort Collins auto insurance quotes.

It's so easy to compare quotes online that it replaces the need to drive to and from local Fort Collins insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless your situation requires the peace of mind only provided by licensed Fort Collins agents. It is possible to comparison shop online but purchase the actual policy in an agency.

The auto insurance companies shown below can provide comparison quotes in Fort Collins, CO. If the list has multiple companies, we recommend you get rates from several of them to get a more complete price comparison.

Hyundai Elantra Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $184 $342 $388 $22 $116 $1,052 $88
Elantra Blue 4-Dr Sedan $270 $538 $460 $28 $138 $1,434 $120
Elantra GLS 4-Dr Sedan $244 $534 $474 $28 $142 $1,422 $119
Elantra SE 4-Dr Sedan $212 $458 $338 $20 $100 $1,128 $94
Elantra SE Touring Station Wagon $170 $306 $280 $16 $84 $856 $71
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific location which can lower or raise price quotes greatly.

Responsible drivers pay cheaper Fort Collins auto insurance rates

The diagram below demonstrates how citations and at-fault fender-benders can influence Hyundai Elantra auto insurance costs for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Physical damage deductible comparison

When comparing auto insurance rates, the most common question is what deductibles to buy. The following insurance rates may help to illustrate the price difference between high and low insurance deductibles. The first rate comparisons uses a $250 deductible and the second price table uses a $1,000 deductible.

Hyundai Elantra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $236 $376 $298 $18 $90 $1,043 $87
Elantra Blue 4-Dr Sedan $236 $538 $352 $20 $106 $1,277 $106
Elantra GLS 4-Dr Sedan $272 $538 $352 $20 $106 $1,313 $109
Elantra SE 4-Dr Sedan $272 $538 $352 $20 $106 $1,313 $109
Elantra SE Touring Station Wagon $272 $458 $298 $18 $90 $1,161 $97
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Hyundai Elantra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $146 $236 $298 $18 $90 $788 $66
Elantra Blue 4-Dr Sedan $146 $340 $352 $20 $106 $964 $80
Elantra GLS 4-Dr Sedan $168 $340 $352 $20 $106 $986 $82
Elantra SE 4-Dr Sedan $168 $340 $352 $20 $106 $986 $82
Elantra SE Touring Station Wagon $168 $288 $298 $18 $90 $862 $72
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in Fort Collins location which can change prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $26 more each month or $312 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 29 months between claim filings, you would probably be better off if you opt for a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important issue to know is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have to file a claim. You must have access to more funds in order to pay the deductible for vehicle repair.

Insurance is an important decision

Despite the high cost, insurance serves an important purpose.

The benefits of insuring your Elantra more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Fort Collins is overpaying more than $865 each year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.

Advertising and auto insurance

Consumers in Colorado can't get away from ads for auto insurance savings by companies like State Farm, GEICO and Progressive. All the ads advertise the message of big savings if you just switch your policy.

How does each company give you a better price on Hyundai Elantra insurance in Fort Collins? Just pay attention to how they say it.

Many companies offer their best rates for the type of customer that earns them the highest profit. A good example of a preferred risk may need to be between the ages of 30 and 50, has no driving citations, and the vehicle is rated for pleasure use. Any driver who matches those parameters may get the lowest prices in Fort Collins and therefore will pay quite a bit less when switching companies.

Potential customers who do not fit those criteria may be forced to pay higher rates which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say "drivers who switch" but not "everyone who gets a quote" save that much when switching. That is how insurance companies can confidently make the claims of big savings.

Because of these techniques, you really need to do a rate comparison at every renewal. Because you cannot predict which insurance companies will have better car insurance rates than you're paying now.

Lower-cost Fort Collins insurance rates with discounts

Companies offering auto insurance don't list their entire list of discounts very well, so below is a list both the well known and the harder-to-find credits available to bring down your rates.Save money with discounts

Drivers should understand that many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it doesn't quite work that way.

Some of the insurance companies that possibly offer most of the discounts above may include but are not limited to:

Before buying, ask each company or agent which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your state.

When to talk to an agent

A lot of people still like to get professional advice from a licensed agent and that is a smart decision Most agents will help you protect your assets and help submit paperwork. The biggest benefit of price shopping on the web is you may find the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important especially in Fort Collins.

Insurance agents in Fort CollinsAfter filling out this form (opens in new window), your coverage information gets sent to local insurance agents in Fort Collins that provide free Fort Collins auto insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own because quoted prices will be sent directly to your email. If you need to get a rate quote from a specific car insurance provider, just visit that company's website and submit a quote form there.

If you are wanting to find a good Fort Collins insurance agent, you need to know there are two different types of agencies and how they can write your policy. Agents can either be independent agents or exclusive agents depending on their employer. Either can sell and service car insurance coverage, but it's good to learn the difference in how they write coverage since it could factor into your selection of an agent.

Independent Agents (or Brokers)

Agents in the independent channel are not employed by one company and that allows them to write policies amongst many companies and potentially find a lower price. If they find a cheaper price, the agent simply finds a different carrier and the insured can keep the same agent. If you are comparing rate quotes, you need to get several quotes from independent agents to have the best price comparison.

The following is a small list of independent agents in Fort Collins that can give you comparison quotes.

2850 McClelland Dr #3000 - Fort Collins, CO 80525 - (970) 207-0600 - View Map

1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map

Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map

View more Fort Collins agents

Exclusive Car Insurance Agencies

These agents can usually just insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage.

The following are exclusive agencies in Fort Collins that can give you comparison quotes.

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

1606 S Lemay Ave #107 - Fort Collins, CO 80525 - (970) 223-0808 - View Map

1090 E Elizabeth St - Fort Collins, CO 80524 - (970) 493-1888 - View Map

View more Fort Collins agents

Finding the right auto insurance agent is decision based upon more than just the bottom line cost. These are some valid questions you should ask.

Quote. Compare. Save.

You just read a lot of tips how to get a better price on Hyundai Elantra insurance in Fort Collins. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may even discover the biggest savings come from a lesser-known regional company. These companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm and Allstate.

As you quote Fort Collins auto insurance, make sure you don't skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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