Insurance for Chevy Captiva SportAre you drained from not being able to scrape enough together to pay auto insurance each month? You are in the same boat as many other drivers in Colorado.

Shockingly, over 70% of consumers have purchased from the same company for well over three years, and practically 40% of auto insurance customers have never even compared rates from other companies. Colorado insurance shoppers could pocket $600 a year just by comparing rates, but they underestimate the large savings they would see if they switched. Due to the increasing number of choices for buying cheap insurance for a Chevy Captiva Sport in Fort Collins, it can be diffult for people to locate a lower cost company.

Best companies for Chevy Captiva Sport insurance

The companies shown below offer quotes in Colorado. If multiple providers are shown, it's highly recommended you compare several of them to get the cheapest price.

Lower your auto insurance rates with discounts

Auto insurance companies don't list every discount they offer very well, so here is a list some of the more common as well as some of the hidden discounts that may be available.

Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you're out of luck.

The best auto insurance companies and some of their more popular discounts are:

When quoting, ask every insurance company to apply every possible discount. Some credits might not be available to policyholders in every state. If you would like to view insurers with discount rates in Fort Collins, click here to view.

Your situation helps dictate your coverage

Always keep in mind that when comparing a policy, there really is no single plan that fits everyone. Everyone's situation is a little different.

For instance, these questions might help in determining whether your personal situation would benefit from an agent's advice.

If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form. It's fast, free and can provide invaluable advice.

Are car insurance agents obsolete?

A lot of people would rather buy from a local agent and there is nothing wrong with that. Most agents can point out coverage gaps and help file insurance claims. A nice benefit of price shopping on the web is that you can find cheaper auto insurance rates and still choose a local agent. And supporting neighborhood insurance agencies is still important in Fort Collins.

Insurance agents in Fort CollinsTo find an agent, once you fill out this short form, your coverage information is submitted to participating agents in Fort Collins who will gladly provide quotes for your business. It's much easier because you don't need to even leave your home due to the fact that quote results will go to your email. If you have a need to get a rate quote from a particular provider, you would need to jump over to their website and submit a quote form there.

If you want to buy car insurance from local Fort Collins agents, it's important to understand the types of insurance agents and how they are slightly different. Agents are categorized either exclusive or independent (non-exclusive). Both handle car insurance, but it's important to point out the difference in how they write coverage since it can impact your agent selection.

Independent Car Insurance Agents (or Brokers)

Independent agents are appointed with more than one company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured. If you are trying to find cheaper rates, you absolutely need to get some free quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below is a short list of independent insurance agencies in Fort Collins that may be able to provide cheap rate quotes.

1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

View more Fort Collins agents

Exclusive Insurance Agents

These agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agencies receive a lot of sales training on the products they sell and that enables them to sell even at higher rates.

Below are exclusive insurance agencies in Fort Collins who can help you get comparison quotes.

Ironwood Plaza, 3201 E Mulberry St h - Fort Collins, CO 80524 - (970) 224-5757 - View Map

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

315 W Magnolia St # 7 - Fort Collins, CO 80521 - (970) 407-0706 - View Map

View more Fort Collins agents

Picking an car insurance agent is decision based upon more than just a cheap quote. The questions below may impact your decision as well.

If you get good answers to all your questions and locked in a price quote, most likely you have located an insurance agency that can be trusted to provide car insurance coverage.

Slick advertising tricks that work

Consumers can't avoid all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the ads state the claim about savings after switching your car insurance coverage to their company.

How is it possible that every company can make almost identical claims? It's all in the wording.

Most companies look for specific characteristics for the driver that will not have excessive claims. An example of a desirable insured might be over the age of 40, has no driving citations, and drives a lower-performance vehicle. A driver who matches those parameters may get the lowest premium rates in Fort Collins as well as save a lot of money.

People who are not a match for the ideal profile will see more expensive rates and ends up with the customer buying from someone else. The trick companies use is to say "customers that switch" but not "everyone who gets a quote" can save as much as they claim. This is how insurance companies can advertise the savings.

Because of the profiling, you really should get price quotes at each policy renewal. Because you never know which insurance companies will be your best fit.

Compare. Compare. Compare.

We've covered many ways to lower your Chevy Captiva Sport insurance premium rates in Fort Collins. It's most important to understand that the more quotes you get, the higher your chance of finding inexpensive Fort Collins auto insurance quotes. You may even discover the best premium rates are with the least-expected company.

Cheaper insurance in Fort Collins can be bought on the web in addition to many Fort Collins insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don't offer price quotes online and most of the time these regional insurance providers only sell through local independent agencies.

As you prepare to switch companies, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time that they should have had better coverage. Your goal is to find the BEST coverage at the best cost.

More information can be read on the following sites: