Insurance for Toyota HighlanderHow many times have you told yourself it's time to shop around for the cheapest Toyota Highlander insurance in Fort Collins? Are you sick and tired of sacrificing other expenses to pay your car insurance bill each month? Your situation is no different than millions of other vehicle owners.

Unimaginable but true, the vast majority of car insurance customers in Colorado renewed their policy with the same company for a minimum of four years, and nearly 40% of drivers have never even shopped around for lower-cost coverage. American drivers can cut their rates by about $860 a year, but most just don't grasp how much savings they would realize if they switched to a cheaper policy. Since vehicle owners have many online and local companies to choose from, it can be challenging to pick a lower cost insurance company.

It's a good habit to do price comparisons before your policy renews because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rate on Toyota Highlander insurance in Fort Collins at your last renewal the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because you're about to learn one of the easiest ways to get good coverage on Toyota Highlander insurance in Fort Collins at a lower rate.

Locating the best rates in Fort Collins is actually very simple if you learn how to start. If you have a policy now, you will surely be able to find better prices using the concepts you're about to learn. You only have to learn the most efficient way to compare insurance rates instantly.

The fastest way that we advise to compare policy rates for Toyota Highlander insurance in Fort Collins is to know the fact most larger insurance companies will pay a fee to give free rates quotes. All consumers are required to do is provide information including how old drivers are, whether you are single or married, if you went to college, and the make and model of your vehicles. Your information is sent automatically to all major companies and you should receive rate quotes almost instantly.

If you would like to compare rates now, click here and find out if lower rates are available in Fort Collins.

The following companies can provide free rate quotes in Colorado. If multiple companies are listed, we recommend you get price quotes from several of them in order to find the lowest rates.

Toyota Highlander Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $144 $244 $396 $24 $118 $926 $77
Highlander 4WD $162 $282 $396 $24 $118 $982 $82
Highlander Sport 4WD $294 $516 $456 $28 $136 $1,430 $119
Highlander SE 2WD $148 $244 $338 $20 $100 $850 $71
Highlander Sport 2WD $186 $330 $426 $26 $128 $1,096 $91
Highlander Limited 2WD $252 $400 $362 $22 $108 $1,144 $95
Highlander SE 4WD $342 $538 $352 $20 $106 $1,358 $113
Highlander Limited 4WD $278 $434 $352 $20 $106 $1,190 $99
Highlander Hybrid 4WD $364 $726 $456 $28 $136 $1,710 $143
Highlander Hybrid Limited 4WD $164 $288 $338 $20 $100 $910 $76
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific Fort Collins garaging location which can lower or raise coverage rates considerably.

How accidents and tickets impact rates

The illustration below shows how speeding tickets and fender-benders raise Toyota Highlander insurance rates for each different age category. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Why you need insurance for your Highlander

Despite the fact that car insurance is not cheap in Fort Collins, paying for car insurance is required in Colorado but it also protects you in many ways.

The benefits of having car insurance outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver is wasting up to $810 a year so we recommend shopping around every year to ensure rates are competitive.

How to Lower Your Insurance Premiums

Lots of factors are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are not quite as obvious such as whether you are married and annual miles driven. Part of the car insurance buying process is learning the different types of things that are used to determine the rates you pay for car insurance. When you understand what determines premiums, this enables you to make decisions that could help you find lower rates.

The following are just a few of the factors that factor into your premiums.

Discounts for cheap car insurance rates

Companies offering auto insurance don't list every discount in a way that's easy to find, so the below list has some of the more common and also the lesser-known discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.Car insurance discounts

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, you aren't that lucky. But all discounts will reduce your overall bill.

A few popular companies and their offered discounts can be read below.

Before buying, ask every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies everywhere. To see companies that offer some of these discounts in Fort Collins, click here.

Can't I compare rate quotes from local Fort Collins car insurance agents?

Some people would prefer to get advice from a local agent and that is a personal choice. Most agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of price shopping on the web is the fact that you can find cheap car insurance quotes and still have a local agent.

Insurance agency in Fort CollinsTo find an agent, once you fill out this form (opens in new window), your information is submitted to insurance agents in Fort Collins that give free quotes for your coverage. It's much easier because you don't need to contact any insurance agencies since price quotes are sent to you. If for some reason you want to get a price quote from one company in particular, you would need to go to their quote page and submit a quote form there.

Finding the right company is decision based upon more than just a low price. Any agent in Fort Collins should be willing to answer these questions.

How to choose the best car insurance agent in Fort Collins

If you want a local insurance agency, you should know the different types of agencies from which to choose. Car insurance agencies may be either independent agents or exclusive agents. Either can sell car insurance policies, but it is important to understand the difference in the companies they write for because it can factor into which agent you choose.

Exclusive Agencies

Exclusive agents can only quote rates from one company such as Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot give you multiple price quotes so always compare other rates. Exclusive agents are highly trained on what they offer and that enables them to sell even at higher rates.

Listed below is a short list of exclusive insurance agents in Fort Collins who may provide you with comparison quotes.

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

2024 E Harmony Rd #120 - Fort Collins, CO 80528 - (970) 221-5230 - View Map

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

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Independent Agencies or Brokers

Agents that elect to be independent do not have single company limitations and that gives them the ability to insure through many companies and find the cheapest car insurance rates. If they find a cheaper price, they simply move the coverage in-house which makes it simple for you. If you are trying to find cheaper rates, you need to contact at least one independent agent to have the most options to choose from.

The following are Fort Collins independent agents willing to provide price quotes.

1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map

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

421 Stover St - Fort Collins, CO 80524 - (970) 224-5500 - View Map

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Persistence will pay off

In this article, we presented some good ideas how you can find lower-cost Toyota Highlander insurance in Fort Collins. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with an unexpected company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Discount Toyota Highlander insurance in Fort Collins is available both online as well as from independent agents in Fort Collins, and you need to price shop both to have the best selection. Some car insurance companies do not provide online price quotes and many times these smaller companies work with independent agents.

When getting Fort Collins car insurance quotes online, don't be tempted to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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