Do you need a fast way to compare cheaper Scion xD insurance in Fort Collins? Finding better insurance prices for your Scion xD in Colorado can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to buy auto insurance and we'll show you the proper way to get price quotes for a new or used Scion and find the lowest possible price either online or from Fort Collins insurance agents.
It's hard to believe, but the vast majority of drivers kept their coverage with the same auto insurance company for four years or more, and nearly half have never even compared quotes to find cheaper rates. Drivers in Colorado could save almost 35% every year by just shopping around, but they won't spend time to go online and compare rates.
It's important to check auto insurance prices before your policy renews due to the fact that insurance prices trend upward over time. Just because you had the lowest price on Scion xD insurance in Fort Collins on your last policy a different company probably has better rates today. Forget all the misinformation about auto insurance because you're about to learn how to use the internet to save money, get proper coverage and the best rates.
The companies shown below are ready to provide free quotes in Colorado. If several companies are displayed, we suggest you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XD 4-Dr Hatchback||$256||$536||$358||$22||$108||$1,280||$107|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can influence premium rates noticeably.
Physical damage deductibles
The example below illustrates how choosing a deductible and can raise or lower Scion xD insurance premiums for different age groups of insureds. The premiums assume a married male driver, comp and collision included, and no other discounts are factored in.
Scion xD insurance rates by gender in Fort Collins
The diagram below shows the comparison of Scion xD insurance prices for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Cheaper Fort Collins car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but once in a while a discount must be manually applied before they will apply.
- Discounts for Safe Drivers - Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Discount for Multiple Policies - If you can combine your homeowners and auto policy and insure them both with the same insurance company you may save up to 20% and get you affordable Scion xD insurance rates in Fort Collins.
- E-sign Discounts - A few larger online companies provide a small discount get Fort Collins car insurance over the internet.
- Discounts for Seat Belt Usage - Requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
- Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase some life insurance too.
- Discounts for Government Workers - Having worked for a branch of the government could provide a small rate reduction but check with your company.
A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, you're out of luck. But any discount will lower your overall bill.
To choose car insurance companies that offer discounts in Fort Collins, click here to view.
Independent and exclusive insurance agencies
A small number of people just want to buy from a local agent and that is recommended in a lot of cases Professional insurance agents can point out coverage gaps and will help you if you have claims. One of the great benefits of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your coverage information is sent to agents in your area that can provide free Fort Collins car insurance quotes and help you find cheaper coverage. You never need to visit any agencies as quotes are delivered immediately to you. If you need to quote rates from a specific insurance company, you can always navigate to their website and submit a quote form there.
Picking an provider is decision based upon more than just a cheap price. These are some questions your agent should answer.
- Do they regularly work with personal auto policies in Fort Collins?
- Does the agent recommend any additional coverage?
- How long have they worked with personal auto insurance coverage?
- Does the quote include credit and driving reports?
- Are there any discounts for paying up front?
- By raising physical damage deductibles, how much would you save?
- Do they have cheaper tiers of coverage?
The following is a short list of insurance companies in Fort Collins that can give you price quotes for Scion xD insurance in Fort Collins.
- State Farm: Marinda Simpson
2601 S Lemay Ave #36 - Fort Collins, CO 80525 - (970) 223-7800 - View Map
- John Baugh - State Farm Insurance Agent
2170 W Drake Rd Ste B8 - Fort Collins, CO 80526 - (970) 484-4000 - View Map
- ABC Insurance Agency
121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map
- American Family Insurance - Conrad Manyik Agency Inc.
5620 Fossil Creek Pkwy Ste 1100 - Fort Collins, CO 80525 - (970) 225-0304 - View Map
If you get positive feedback to any questions you have as well as offering an affordable quote, it's a good possibility that you have found an insurance company that will service your policy. Just keep in mind you are able to terminate coverage at any time so don't assume that you're stuck with a policy for any length of time.
Seven factors that determine insurance prices
Smart consumers have a good feel for some of the factors that come into play when calculating your premiums. When you understand what determines premiums, this allows you to make good choices that can earn you lower rates.
The factors shown below are some of the items car insurance companies consider when setting your rates.
Younger vs. older drivers - Teen drivers in Colorado are known to be less responsible when driving and because of this, their car insurance rates are much higher. Parents adding a inexperienced driver to your car insurance policy can be quite pricey. Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and get fewer tickets.
Does your vocation raise your rates? - Did you know your job can affect your rates? Jobs like lawyers, executives and financial analysts generally have higher rates than the rest of us attributed to intense work requirements and lots of time spent at work. Conversely, careers such as scientists, students and the unemployed have the lowest average rates.
Being married equates to better prices - Getting married may cut your premiums compared to being single. It means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
Accidents mean higher prices - Having a clean driving record can have a huge impact on auto insurance premiums. Good drivers tend to pay less for car insurance compared to bad drivers. Getting just one moving violation can boost insurance rates by as much as twenty percent. Drivers who get flagrant citations like DUI or reckless driving may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
More traffic means higher claims - Choosing to live in a small town has definite advantages when trying to find low car insurance rates. Lower population translates into fewer accidents in addition to lower liability claims People in densely populated areas tend to have much more traffic and a longer drive to work. Higher commute times can result in more accidents.
Liability insurance claims can be big - Your car insurance policy's liability coverage will afford coverage in the event that you are found to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
Cars with good safety ratings means cheaper car insurance rates - Safe vehicles tend to be cheaper to insure. Safe vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
Insurance is an important decision
Despite the high cost of buying insurance for a Scion xD in Fort Collins, buying insurance is most likely required but also gives you several important benefits.
First, most states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage if you don't want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you bought your Scion xD with a loan, most lenders will make it mandatory that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Scion at an extremely high rate and force you to pay for the expensive policy.
Third, insurance protects both your Scion xD and your assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your insurance policy will pay to repair the damage.
The benefits of buying insurance definitely exceed the price paid, particularly if you ever have a claim. But the average driver in Colorado overpays more than $800 each year so compare quotes from several companies every year to make sure the price is not too high.
Cheap auto insurance premiums are possible
When shopping online for auto insurance, make sure you don't reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.
Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests and policy non-renewal. It doesn't matter what your reason, switching auto insurance companies is less work than it seems.
We just showed you many ideas to save on Scion xD insurance in Fort Collins. It's most important to understand that the more providers you compare, the better likelihood of getting low cost Fort Collins car insurance quotes. Consumers may even find the lowest priced auto insurance comes from the least-expected company.
- Tools for Teen Driving Safety (State Farm)
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- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
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