Have you had enough of sacrificing to insure your Ford every month? You are in the same boat as many other Colorado consumers.
It's amazing but 70% of consumers have bought car insurance from the same company for at least four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Colorado insurance shoppers can cut their rates by $605 a year, but most undervalue the large savings they would see if they just switched companies.
With so many different company options, it can be challenging to find a more affordable insurer.
Determine discounts to get cheap Colorado Springs car insurance quotes
Buying car insurance is not cheap, but there could be significant discounts that may help make it more affordable. Most are applied at the time of purchase, but a few need to be asked about before being credited.
- Paperwork-free - A few insurance companies may give you up to $50 just for signing your application over the internet.
- Good Student Discount - Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- Onboard Data Collection - People who choose to allow driving data collection to look at where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates if they show good driving skills.
- Include Life Insurance and Save - If the company offers life insurance, you could get a break if you buy a life policy as well.
- Policy Bundle Discount - If you insure your home and vehicles and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
- Use Seat Belts - Requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
- Distant College Student Discount - Children who are enrolled in a college that is more than 100 miles from Colorado Springs and do not have a car could qualify for this discount.
Just know that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Even though the math looks like you could get a free car insurance policy, you're out of luck.
If you would like to see a list of providers offering car insurance discounts in Colorado, click here.
When looking for affordable Colorado Springs car insurance quotes, there are a couple ways of comparing rate quotes from many insurance companies in Colorado. The recommended way to do a complete rate comparison consists of obtaining rate quotes online.
Getting free rate quotes online is quite simple, and it makes it a waste of time to drive around to each insurance agency near you. Quoting Ford F-150 insurance online reduces the need to sit down with an agent unless you prefer the professional advice of a licensed agent. You can, however, compare the best prices online and still use a local agent. When comparison shopping, comparing more quotes increases the chance that you will find a better price.
The companies in the list below provide comparison quotes in Colorado. If the list has multiple companies, we recommend you get price quotes from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$262||$362||$474||$28||$142||$1,268||$106|
|F-150 STX Regular Cab 2WD||$220||$304||$460||$28||$138||$1,150||$96|
|F-150 XL Super Cab 2WD||$292||$552||$474||$28||$142||$1,488||$124|
|F-150 XLT Regular Cab 2WD||$226||$440||$396||$24||$118||$1,204||$100|
|F-150 STX Super Cab 2WD||$182||$312||$330||$20||$98||$942||$79|
|F-150 XL Crew Cab 2WD||$214||$298||$358||$22||$108||$1,000||$83|
|F-150 XLT Super Cab 2WD||$232||$372||$330||$20||$98||$1,052||$88|
|F-150 STX Regular Cab 4WD||$208||$312||$330||$20||$98||$968||$81|
|F-150 XL Regular Cab 4WD||$252||$304||$460||$28||$138||$1,182||$99|
|F-150 FX2 Super Cab 2WD||$144||$232||$396||$24||$118||$914||$76|
|F-150 XLT Crew Cab 2WD||$260||$440||$368||$22||$110||$1,200||$100|
|F-150 XL Super Cab 4WD||$260||$424||$456||$28||$136||$1,304||$109|
|F-150 XLT Regular Cab 4WD||$152||$218||$362||$22||$108||$862||$72|
|F-150 XL Crew Cab 4WD||$214||$298||$368||$22||$110||$1,012||$84|
|F-150 STX Super Cab 4WD||$294||$440||$368||$22||$110||$1,234||$103|
|F-150 XLT Super Cab 4WD||$146||$196||$330||$20||$98||$790||$66|
|F-150 FX2 2WD||$294||$516||$456||$28||$136||$1,430||$119|
|F-150 Lariat Super Cab 2WD||$388||$546||$460||$28||$138||$1,560||$130|
|F-150 Lariat Crew Cab 2WD||$284||$368||$460||$28||$138||$1,278||$107|
|F-150 FX4 Super Cab 4WD||$250||$368||$352||$20||$106||$1,096||$91|
|F-150 XLT Crew Cab 4WD||$190||$288||$352||$20||$106||$956||$80|
|F-150 FX4 4WD||$214||$362||$368||$22||$110||$1,076||$90|
|F-150 Lariat Crew Cab 4WD||$350||$458||$460||$28||$138||$1,434||$120|
|F-150 SVT Raptor Super Cab 4WD||$298||$448||$358||$22||$108||$1,234||$103|
|F-150 Lariat Super Cab 4WD||$236||$380||$330||$20||$98||$1,064||$89|
|F-150 Lariat Crew Cab Platinum 2WD||$214||$426||$396||$24||$118||$1,178||$98|
|F-150 Lariat Crew Cab Harley 2WD||$294||$630||$368||$22||$110||$1,424||$119|
|F-150 Lariat King Ranch 2WD||$266||$546||$338||$20||$100||$1,270||$106|
|F-150 Lariat King Ranch 4WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-150 Lariat Crew Cab Harley 4WD||$372||$740||$426||$26||$128||$1,692||$141|
|F-150 Lariat Crew Cab Platinum 4WD||$308||$534||$474||$28||$142||$1,486||$124|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Colorado Springs location which can modify premiums considerably.
Impact of citations and accidents on insurance rates
The information below shows how speeding tickets and at-fault claims can raise Ford F-150 insurance prices for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Analysis of deductible levels
The example below shows how choosing a deductible and can impact Ford F-150 insurance rates for each age group. The costs are based on a single male driver, full coverage, and no policy discounts are applied.
Car insurance agents near you
A lot of people prefer to buy from a licensed agent and we recommend doing that A nice benefit of comparing auto insurance online is you may find cheap rate quotes but also keep your business local. And buying from neighborhood agents is definitely important in Colorado Springs.
To find an agent, once you fill out this short form, your information is instantly submitted to local insurance agents in Colorado Springs that can give you free Colorado Springs car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact an agency since price quotes are sent to you. You can get cheaper auto insurance rates without a big time investment. If for some reason you want to quote rates from a specific auto insurance provider, just navigate to their website and fill out the quote form the provide.
Two types of auto insurance agents
When looking for a reputable insurance agent or broker, it helps to know the two different types of agencies and how they can quote your rates. Agents in Colorado Springs are either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
Agents of this type do not sell for just one brand and that gives them the ability to insure amongst many companies and find the cheapest auto insurance rates. If your agent finds better pricing, your agent can just switch to a different company and you can keep the same agent.
When comparing rate quotes, you will want to get some free quotes from at least one independent agent so that you have a good selection of quotes to compare.
Shown below is a list of independent insurance agencies in Colorado Springs that can possibly get you price quote information.
Exclusive Insurance Agents
Agents of this type can only place business with one company and some examples include Allstate and State Farm. Exclusive agents cannot provide other company's prices so always compare other rates. Exclusive insurance agents are very knowledgeable on their company's products which aids in selling service over price.
Listed below is a list of exclusive insurance agencies in Colorado Springs willing to provide comparison quotes.
Ross Silva Agency - American Family Insurance
2746 E Bijou St - Colorado Springs, CO 80909 - (719) 597-2800 - View Map
Choosing the best insurance agency shouldn't rely on just the quoted price. These questions are important to ask:
- Does the agency support the community they serve?
- How much training do they have in personal risk management?
- Does the company allow you to choose your own collision repair facility?
- Does the company have a local claim office in Colorado Springs?
- Do they get paid more for recommending certain coverages?
- Do they reduce claim amounts on high mileage vehicles?
- Can glass repairs be made at your home?
- Is there a Errors and Omissions policy in force?
Insurance coverage considerations
Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.
Coverage for collisions
This coverage will pay to fix damage to your F-150 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It's also possible to increase the deductible on your F-150 in order to get cheaper collision rates.
Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn't cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/15 which means $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and $15,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims such as emergency aid, repair costs for stationary objects, pain and suffering, repair bills for other people's vehicles and bail bonds. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. Colorado requires drivers to carry at least 25/50/15 but you should think about purchasing more liability than the minimum.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Because many people only carry the minimum required liability limits (which is 25/50/15), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for nursing services, funeral costs, chiropractic care and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as falling objects, vandalism, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Persistent drivers can save
You just learned a lot of ways to save on Ford F-150 insurance in Colorado Springs. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Colorado Springs car insurance quotes. You may even be surprised to find that the best rates are with a lesser-known regional company. Smaller companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
Cheaper car insurance in Colorado Springs is available from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and many times these small, regional companies prefer to sell through independent insurance agents.
More detailed car insurance information is located by following these links:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Nissan Altima in Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Infrequent Drivers? (FAQ)
- How Much is Auto Insurance for a Toyota Corolla in Colorado? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)