Finding the lowest price Fort Collins Honda Fit insurance quotes online is challenging for beginners to comparison shopping online. With so many options of insurers to choose from, how can people have time to compare every company to locate better rates?

Insurance for Honda FitUnbelievably, the vast majority of consumers kept their policy with the same company for at least four years, and about 40% of consumers have never quoted car insurance rates at all. With the average car insurance premium being $1,813, Fort Collins drivers could save themselves roughly $605 a year just by shopping around, but they don't believe how much money they would save if they switched to a more affordable policy.

It is always a good idea to do price comparisons at least once a year because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Honda Fit insurance in Fort Collins on your last policy you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to learn the fastest way to eliminate unnecessary coverages and save money on Honda Fit insurance in Fort Collins.

Buying the cheapest car insurance in Fort Collins is easy if you know what you're doing. If you currently have car insurance, you will surely be able to lower your rates using these methods. But Colorado car owners must know how insurance companies calculate their prices and take advantage of how the system works.

Just remember that comparing more prices provides better odds of finding a lower rate. Some insurance companies are not set up to provide online rate quotes, so it's important to compare price quotes from them, too.

The providers in the list below provide price comparisons in Colorado. If multiple companies are shown, we recommend you visit as many as you can in order to find the most affordable rates.

Honda Fit Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $226 $536 $262 $16 $78 $1,118 $93
Fit Sport $266 $526 $280 $16 $84 $1,172 $98
Fit Sport VSA $190 $448 $262 $16 $78 $994 $83
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in your specific Fort Collins location which can affect insurance rates noticeably.

Do you need full coverage?

The illustration below visualizes the comparison of Honda Fit insurance prices with and without full coverage. The premiums assume no claims or driving violations, $250 deductibles, single female driver, and no other discounts are factored in.

When to eliminate full coverage

There is no exact rule of when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's assume your Honda Fit claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your policy deductible. If it's costing in excess of $300 a year for physical damage coverage, then it might be time to buy liability only.

There are some cases where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Auto insurance rates by gender and age in Fort Collins

The information below illustrates the difference between Honda Fit premium costs for male and female drivers. The rate quotes are based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Protect more than your Fit

Despite the fact that auto insurance is not cheap in Fort Collins, insuring your vehicle is required for several reasons.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. According to a recent study, the average American driver is currently overpaying as much as $865 each year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

Buy Honda Fit Insurance Cheaper

Multiple criteria are used in the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, although others are not as apparent such as your marital status or how financially stable you are. Part of the insurance buying process is learning a few of the rating criteria that help determine your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get better insurance rates.

The items below are some of the factors insurance companies consider when setting prices.

Fort Collins auto insurance discounts

Auto insurance companies do not list every discount very clearly, so the list below details some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Fort Collins auto insurance online.Cheaper auto insurance with discounts

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you're out of luck.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

Check with every prospective company which discounts you may be entitled to. Some discounts listed above might not be offered in Fort Collins. To view companies who offer free Honda Fit insurance quotes in Fort Collins, click here to view.

You may need help from an agent

A lot of people would prefer to have an agent's advice and there is nothing wrong with that. An additional benefit of getting online price quotes is that drivers can save money and get cheap auto insurance rates and also buy local.

After filling out this form (opens in new window), the coverage information is transmitted to agents in your area that give free quotes for your insurance coverage. It's much easier because you don't need to contact any agents because prices are sent to you. You can find better rates and an insurance agent to talk to. If you need to quote rates from a particular provider, you would need to go to their quote page and submit a quote form there.

Picking the best provider shouldn't rely on just a low price. Any agent in Fort Collins should be willing to answer these questions.

Independent or Exclusive: It's your choice

If you want to buy auto insurance from a local agent, there are a couple of types of insurance agents that you can select. Agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Exclusive agents can only write with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. Exclusive agents are trained well in insurance sales which helps overcome the inability to quote other rates. A lot of people choose to use a exclusive agent primarily because of high brand loyalty and solid financial strength.

The following is a list of exclusive insurance agents in Fort Collins who may provide you with comparison quotes.

View more Fort Collins agents

Independent Auto Insurance Agencies

Independent agents can quote rates with many companies and that allows them to write policies with a variety of different insurance companies and get you the best rates possible. If they find a cheaper price, they can switch companies in-house and you can keep the same agent. When shopping rates, we recommend you check rates from several independent agencies for maximum quote selection. They often place coverage with smaller mutual companies that many times have cheaper rates.

The following is a short list of independent insurance agencies in Fort Collins that can give you rate quotes.

View more Fort Collins agents

Once you have received good responses to any questions you have and an acceptable price quote, you have narrowed it down to an insurance agent that is a good match to insure your vehicles.

You can find cheap coverage

In this article, we covered quite a bit of information on how to reduce Honda Fit insurance car insurance rates online in Fort Collins. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with the least-expected company.

When shopping online for insurance, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

More affordable insurance in Fort Collins can be sourced on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and many times these regional carriers provide coverage only through local independent agents.

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