Pricey Honda Civic insurance in Fort Collins can dwindle your budget and make it impossible to make ends meet. Getting a rate comparison can lower your rates and help to make sure you're not throwing money away.
Sad but true, the vast majority of auto insurance customers have been with the same company for over three years, and just short of a majority have never taken the time to shop around. Many drivers in Colorado can cut their rates by nearly 35% a year by just comparing quotes, but most tend to underestimate how much money they would save if they switched. With so many online and local companies to choose from, it is hard for the average consumer to find the lowest price company.
The following companies can provide price quotes in Fort Collins, CO. If the list has multiple companies, we recommend you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$166||$362||$396||$24||$118||$1,066||$89|
|Civic VP 4-Dr Sedan||$220||$434||$460||$28||$138||$1,280||$107|
|Civic LX 4-Dr Sedan||$144||$390||$426||$26||$128||$1,114||$93|
|Civic DX 2-Dr Coupe||$214||$534||$592||$36||$178||$1,554||$130|
|Civic EX 4-Dr Sedan||$192||$434||$352||$20||$106||$1,104||$92|
|Civic LX-S 4-Dr Sedan||$202||$534||$330||$20||$98||$1,184||$99|
|Civic LX 2-Dr Coupe||$204||$608||$496||$30||$148||$1,486||$124|
|Civic EX-L 4-Dr Sedan||$152||$360||$362||$22||$108||$1,004||$84|
|Civic SI 4-Dr Sedan||$234||$608||$396||$24||$118||$1,380||$115|
|Civic EX 2-Dr Coupe||$260||$726||$462||$28||$138||$1,614||$135|
|Civic GX 4-Dr Sedan||$266||$714||$426||$26||$128||$1,560||$130|
|Civic EX-L 2-Dr Coupe||$234||$608||$496||$30||$148||$1,516||$126|
|Civic Hybrid 4-Dr Sedan||$298||$528||$358||$22||$108||$1,314||$110|
|Civic SI 2-Dr Coupe||$238||$596||$422||$24||$126||$1,406||$117|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in zip code location which can modify premiums noticeably.
Impact of careless driving on auto insurance rates
The diagram below illustrates how violations and accidents increase Honda Civic car insurance rates for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Do you qualify for these eight discounts?
Companies that sell car insurance don't always list every discount in an easy-to-find place, so the list below details some of the more common and also the more inconspicuous credits that may apply to you.
- Multi-line Discount - Auto insurance companies who offer life insurance give a discounted rate on car insurance if you buy life insurance from them.
- Passive Restraints - Options like air bags or automatic seat belts may get savings of 25 to 30%.
- Government Employees - Active or retired federal employment can earn a discount up to 10% depending on your auto insurance provider.
- Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Claim Free - Drivers with accident-free driving histories pay less as opposed to insureds who have frequent claims or accidents.
- Driver's Education for Students - Have your child take driver's ed class in high school.
- Switch and Save Discount - Some larger companies reward drivers for switching to them prior to your current Civic insurance policy expiration. Ten percent is about the average savings.
- Theft Deterrent System - Vehicles that have factory anti-theft systems can help prevent theft and will qualify for a discount on a Fort Collins car insurance quote.
Drivers should understand that some credits don't apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn't quite work that way.
To choose auto insurance companies that offer the discounts shown above in Fort Collins, click here to view.
Neighborhood agents and insurance
A lot of people still like to sit down with an agent and often times that is recommended Professional agents will help you protect your assets and will help you if you have claims. A good thing about getting free rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. Putting coverage with neighborhood agents is important particularly in Fort Collins.
By using this form (opens in new window), your insurance data is sent to companies in Fort Collins who will gladly provide quotes for your insurance coverage. There is no need to contact an agency since price quotes are sent immediately to your email address. If you want to get a price quote from a specific company, you can always find their quoting web page and fill out their quote form.
If you are wanting to find local Fort Collins agents, it's helpful to know the different agency structures and how they function. Insurance agents can either be independent or exclusive. Both sell insurance policies, but it's important to point out the difference between them because it can factor into which type of agent you select.
Independent Insurance Agents
Agents in the independent channel can sell policies from many different companies so as a result can place your coverage through many different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply switch companies in-house and that require little work on your part. When searching for an agent, it's a good idea to check rates from multiple independent agents so that you can do a thorough price comparison.
Listed below is a list of independent agencies in Fort Collins that may be able to give you comparison quotes.
Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map
Exclusive Insurance Agencies
Exclusive agents normally can only provide a single company's rates like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are very knowledgeable in insurance sales 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.
Allstate Insurance: Greg L. Howell
816 S College Ave - Fort Collins, CO 80524 - (970) 482-2200 - View Map
Deciding on an auto insurance agent should depend on more than just the bottom line cost. Any good agent in Fort Collins should know the answers to these questions.
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they full-time agents?
- Can glass repairs be made at your home?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How experienced are they in personal risk management?
- Does the company have a local claim office in Fort Collins?
Car insurance 101
Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.
Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for expenses such as X-ray expenses, ambulance fees, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability auto insurance - Liability coverage can cover damage that occurs to people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/15 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as attorney fees, repair costs for stationary objects and repair bills for other people's vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible. Colorado state minimum liability requirements are 25/50/15 but it's recommended drivers buy more liability than the minimum.
Collision coverages - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Civic in order to get cheaper collision rates.
Comprehensive auto insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like vandalism, hitting a bird, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Coverage for uninsured or underinsured drivers - Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.
Due to the fact that many Colorado drivers carry very low liability coverage limits (25/50/15 in Colorado), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.
You just read a lot of information how to get a better price on Honda Civic insurance in Fort Collins. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company. These companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and GEICO.
When shopping online for car insurance, it's very important that you do not buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best cost, but don't skip important coverages to save money.
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