Do you need a fast way to compare lower-priced Kia Sportage insurance in Fort Collins? Are you at wits end from being strong-armed each month for insurance? You have the same problem as millions of other vehicle owners.

Discount Kia Sportage insuranceIt's amazing but most consumers in Colorado have remained with the same insurance company for at least the last four years, and almost half have never shopped around. The average driver in the U.S. can cut their rates by $850 a year, but most undervalue the benefits if they changed companies. There is such a variety of insurance companies to pick from, and though it is a good thing to be able to choose, more options can take longer to find the lowest cost provider for Kia Sportage insurance in Fort Collins.

It's a good idea to get comparison quotes once or twice a year since insurance prices change regularly. If you had the best rate on Kia Sportage insurance in Fort Collins on your last policy a different company probably has better premium rates today. Block out anything you think you know about insurance because we're going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Low-cost Kia insurance price quotes in Fort Collins

The companies shown below provide price quotes in Fort Collins, CO. If multiple companies are shown, we suggest you visit as many as you can to get the best price comparison.

Kia Sportage Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $258 $516 $426 $26 $128 $1,354 $113
Sportage LX 2WD 4-Dr $226 $440 $396 $24 $118 $1,204 $100
Sportage EX 2WD 4-Dr $214 $362 $358 $22 $108 $1,064 $89
Sportage LX 4WD 4-Dr $216 $424 $426 $26 $128 $1,220 $102
Sportage LX $168 $288 $352 $20 $106 $934 $78
Sportage EX 4WD 4-Dr $276 $502 $362 $22 $108 $1,270 $106
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase rates substantially.

Irresponsible driving raises your rates

The diagram below demonstrates how speeding tickets and accidents can raise Kia Sportage insurance costs for different age groups. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Male drivers compared to female drivers

The information below illustrates the difference between Kia Sportage car insurance costs for male and female drivers. The data is based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Comparison of policy deductibles

The chart below highlights how deductible choice and can change Kia Sportage insurance costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Smart Buyers Save on Insurance

It's important that you understand some of the factors that come into play when calculating the price you pay for car insurance. If you understand what controls the rates you pay, this enables informed choices that will entitle you to lower rates. Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are less obvious like your vehicle usage or your commute time.

Discounts mean cheaper rates for Kia Sportage insurance in Fort Collins

Insurance is easily one of your largest bills, but you might find some hidden discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but a few must be asked for before you will receive the discount.Discount insurance

While discounts sound great, it's important to understand that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, company stockholders wouldn't be very happy. Any qualifying discounts will bring down the cost of coverage.

Large insurance companies and some of the premium reductions they offer are shown below.

If you need the cheapest Kia Sportage rate quotes, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered everywhere. To view insurance companies who offer online Kia Sportage insurance quotes in Fort Collins, follow this link.

Buying insurance from Fort Collins insurance agencies

Some people just want to have an agent's advice and there is nothing wrong with that. Agents can help you choose the best coverages and give you someone to call. One of the great benefits of comparing insurance online is you can get lower rates but still work with a licensed agent. And buying from local agencies is especially important in Fort Collins.

By using this short form, your information is instantly submitted to companies in Fort Collins who will give you bids for your coverage. It's much easier because you don't need to search for an agent since rate quotes are delivered to you directly. If you have a need to get a price quote from a specific company, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Multiple types of auto insurance agents in Fort Collins

If you are wanting to find a local Fort Collins insurance agency, you must know there are a couple types of agencies and how they are slightly different. Fort Collins agents can be classified as either independent or exclusive depending on the company they work for. Both types of agents can write insurance policies, but it's good to learn why they differ because it may have an impact on your agent selection.

Independent Insurance Agents

Agents of this type are not employed by any specific company so they can write business with lots of companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and you won't have to switch agencies.

When searching for an agent, you absolutely need to compare prices from a few independent agents to get the most accurate price comparison.

Listed below is a list of independent agencies in Fort Collins who may provide comparison quotes.

1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map

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

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

View more Fort Collins agents

Exclusive Insurance Agents

Agents of this type normally can only provide a single company's rates like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents receive extensive training in insurance sales which helps overcome the inability to quote other rates.

The following is a short list of exclusive agencies in Fort Collins that are able to give comparison quotes.

106 E Olive St - Fort Collins, CO 80524 - (970) 482-1936 - View Map

732 S Lemay Ave b - Fort Collins, CO 80524 - (970) 226-0919 - View Map

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

View more Fort Collins agents

Choosing an insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:

Can you really save that much by switching?

Consumers in Colorado can't get away from ads that claim the best rates by companies like Allstate, GEICO and Progressive. All the companies seem to make the promise that people will save if you move your coverage to them.

How does each company claim to save you money? This is the trick they use.

Many companies have an ideal profile for a prospective insured that is profitable for them. An example of this type of risk profile could be married and over the age of 30, has other policies, and drives less than 5,000 miles a year. Anyone that fits those parameters will get very good Fort Collins prices and is almost guaranteed to save when they switch companies.

Potential customers who fall short of these stringent criteria may be forced to pay a more expensive rate which translates to business not being written. If you listen to the ad wording, they say "people who switch" not "everyone that quotes" can save as much as they claim. That is how companies can advertise the savings.

Because of these techniques, you should do a rate comparison at every renewal. It's not possible to predict which company will give you the biggest savings.

Car insurance savings summarized

Cheaper Kia Sportage insurance in Fort Collins can be sourced both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don't offer online rate quotes and usually these regional insurance providers only sell through local independent agencies.

You just read many ways to get a better price on Kia Sportage insurance in Fort Collins. The key thing to remember is the more quotes you get, the better likelihood of getting low cost Fort Collins car insurance quotes. Consumers may even find the lowest rates are with a small local company. Some small companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate and Progressive.

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