Insurance quote for Jeep Compass in Fort CollinsHow long has it been since the last time you looked for more competitive insurance rates in Fort Collins, CO? Fort Collins shoppers have a choice when shopping for affordable Jeep Compass insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to find insurance online and we'll show you the quickest way to get price quotes for a Jeep and find the lowest price.

If you're already insured or just want to save money, use these money-saving tips to get lower rates without reducing protection. The goal of this article is to let you in on the best way to quote coverages and some money-saving tips. Drivers only have to learn the most time-saving way to compare insurance rates using one simple form.

Fort Collins car insurance discounts

Companies don't always list all discounts in a way that's easy to find, so the list below gives a summary of some of the more common and the harder-to-find credits available to lower your premiums when you buy Fort Collins car insurance online.

Don't be surprised that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, car insurance companies aren't that generous.

A list of companies and some of the discounts are detailed below.

It's a good idea to ask each insurance company the best way to save money. Some of the discounts discussed earlier might not apply in Fort Collins. If you would like to see a list of providers that offer multiple discounts in Fort Collins, click here.

The car insurance companies shown below are ready to provide price quotes in Fort Collins, CO. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.

Jeep Compass Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $148 $252 $330 $20 $98 $848 $71
Compass Sport 4WD $336 $672 $474 $28 $142 $1,652 $138
Compass Limited 2WD $302 $562 $474 $28 $142 $1,508 $126
Compass Limited 4WD $170 $306 $330 $20 $98 $924 $77
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in your specific Fort Collins location which can influence insurance rates noticeably.

Cautious drivers save money

The diagram below shows how traffic citations and fender-benders raise Jeep Compass car insurance rates for each different age group. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Jeep Compass Insurance Price Factors

Many different elements are part of the equation when premium rates are determined. Most are fairly basic like an MVR report, but other factors are not quite as obvious like where you live and annual miles driven.

Do I just need basic coverages?

Always remember that when buying the right insurance coverage, there isn't really a cookie cutter policy. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions may help highlight if your insurance needs could use an agent's help.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

When to get advice from an insurance agent

Some consumers would prefer to talk to a local agent and that is recommended in a lot of cases Agents are very good at helping people manage risk and help you file claims. The biggest benefit of getting free rate quotes online is that you can find the lowest rates and still choose a local agent.

Insurance agents in Fort CollinsTo help locate an agent, after submitting this form (opens in new window), your information is sent to participating agents in Fort Collins that can give you free Fort Collins car insurance quotes for your business. It's much easier because you don't need to find an agent on your own because prices are sent immediately to your email address. If you wish to get a comparison quote from a specific company, you just need to navigate to their website to submit a rate quote request.

Finding a good insurer is decision based upon more than just the price. Any agent in Fort Collins should have no problem answering these questions:

When finding a local agent, there are two different agency structures to choose from. Agents in Fort Collins can be categorized as either independent or exclusive depending on the company they work for. Both insure your vehicles properly, but it is important to understand how they are different since it may influence which agent you choose.

Exclusive Agencies

Exclusive insurance agents have only one company to place business with like Farmers Insurance and State Farm. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agencies are highly trained on sales techniques and that can be a competitive advantage. Consumers often purchase coverage from exclusives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below are exclusive insurance agents in Fort Collins willing to provide price quotes.

More insurance agents

Independent Car Insurance Agencies

These agents are not required to write business for one company and that enables them to quote your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally which makes it simple for you.

When comparing car insurance prices, you will want to include a couple of independent agencies to get the best comparison. They often place coverage with additional companies that you may not be familiar with that many times have cheaper rates.

Below is a short list of independent agencies in Fort Collins that are able to give rate quotes.

More insurance agents

Auto insurance protects more than just your car

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

The benefits of having insurance definitely exceed the cost, especially when you need to use it. As of last year, the average driver in Colorado is currently overpaying as much as $700 annually so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Keep this in mind when shopping around

When getting Fort Collins car insurance quotes online, never buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

We just covered a lot of ways to get a better price on Jeep Compass insurance in Fort Collins. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting inexpensive Fort Collins car insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

Even more information is available at these sites: