Discount Nissan Sentra insuranceHow many times have you said it's time to compare more affordable Nissan Sentra insurance in Fort Collins? If you are new to getting Fort Collins auto insurance quotes online, you can be baffled due to the large number of online companies all claiming to have the lowest rates for Nissan Sentra insurance in Fort Collins.

Unfortunately, nearly 70% of customers have bought insurance from the same company for at least the last four years, and almost 40% of drivers have never compared insurance rates at all. Many consumers in the U.S. can cut their rates by almost $859 a year by just shopping around, but most just don't grasp the big savings they would realize if they switched.

It's a good idea to shop coverage around occasionally due to the fact that insurance prices change quite often. Even if you got the lowest price on Nissan Sentra insurance in Fort Collins a few years ago you will most likely find a better rate quote today. Forget all the misinformation about insurance because we're going to demonstrate the quickest way to find better coverage on Nissan Sentra insurance in Fort Collins at a better price.

Cheap car insurance in Fort Collins, CO

The companies in the list below are our best choices to provide quotes in Fort Collins, CO. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Nissan Sentra Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $206 $464 $338 $20 $100 $1,128 $94
Sentra 2.0 S $184 $492 $456 $28 $136 $1,296 $108
Sentra 2.0 SR $236 $538 $352 $20 $106 $1,252 $104
Sentra 2.0 SL $190 $426 $368 $22 $110 $1,116 $93
Sentra SE-R $190 $448 $396 $24 $118 $1,176 $98
Sentra SE-R SPEC V $220 $500 $352 $20 $106 $1,198 $100
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific Fort Collins garaging location which can raise or lower prices noticeably.

Cost comparison with and without full coverage

The chart below examines Nissan Sentra auto insurance costs with and without full coverage. The premiums assume no claims or violations, $1,000 deductibles, married male driver, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no exact formula of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Nissan Sentra replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the deductible is paid. If it's costing you more than $800 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not advised. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Insurance discounts help lower rates for Nissan Sentra insurance in Fort Collins

Insurance is not an enjoyable expense, but you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be asked for before they will apply.

One last thing about discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, nobody gets a free ride.

A list of insurance companies and a selection of discounts are detailed below.

If you need lower rates, check with each company to apply every possible discount. Some discounts listed above may not be available in your state. To locate companies offering insurance discounts in Colorado, click here to view.

Are insurance agencies a thing of the past?

A small number of people still prefer to buy from a licensed agent and that is not a bad decision One of the benefits of price shopping on the web is that drivers can save money and get the best rates but also keep your business local. Supporting local insurance agents is especially important in Fort Collins.

Find insurance agent in Fort CollinsOnce you complete this form (opens in new window), the coverage information is instantly submitted to companies in Fort Collins who will return price quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent since price quotes are sent to your email. You can find lower rates AND a local agent. If you want to get a comparison quote from a specific insurance company, don't hesitate to go to their quote page and give them your coverage information.

Insurance agent types

If you are searching for a good insurance agency, there are two different agency structures and how they can write your policy. Agents are classified as either exclusive agents or independent agents.

Independent Agents (or Brokers)

These agents are not locked into one company so they have the ability to put coverage with a variety of different insurance companies and get the cheapest rates. If your premiums go up, the business is moved internally and you don't have to do anything. When comparing rates, you will want to get several quotes from several independent insurance agents for the best price selection. Most independent agents also contract with different regional companies which may provide better rates.

Featured below is a short list of independent insurance agents in Fort Collins that can give you free insurance quotes.

View more Fort Collins agents

Exclusive Agencies

Exclusive agents can only write with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to provide other company's prices so always compare other rates. Exclusive insurance agents are trained well in insurance sales which helps offset the inability to provide other markets. Some people will only buy from the same agent for years partially due to high brand loyalty and the convenience of having all coverages with one company.

The following is a list of exclusive agencies in Fort Collins that can give you price quote information.

View more Fort Collins agents

Selecting an insurance agency requires you to look at more than just a cheap quote. Agents should be asked these questions:

Persistence is the key to affordable rates

People change insurance companies for many reasons like high prices, not issuing a premium refund, high rates after DUI convictions and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Cost effective Nissan Sentra insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer rates over the internet and most of the time these smaller companies only sell through independent agents.

When getting Fort Collins auto insurance quotes online, you should never skimp on coverage in order to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to buy enough coverage at the best cost and still be able to protect your assets.

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