Insurance rates Toyota Prius in Fort CollinsWould you like to save money by finding low-cost insurance rates in Fort Collins, CO? Fort Collins consumers have options when looking for low-cost Toyota Prius insurance. You can either spend your time driving around to compare prices or leverage the internet to compare rates. There are both good and bad ways to buy insurance so you're going to learn the absolute fastest way to compare rates on a Toyota and get the lowest possible price either online or from Fort Collins insurance agents.

If you have a current auto insurance policy or need new coverage, you can use this information to get lower rates without sacrificing coverage. This article's goal is to help you learn the best methods to compare rates and some tips to save money. You only need an understanding of the most time-saving way to compare insurance rates from many different companies.

The quickest method we recommend to compare insurance rates from multiple companies takes advantage of the fact most larger insurance companies will pay a fee to provide you with a free rate quote. To get started, all you need to do is provide information such as how your vehicles are used, if it has an anti-theft system, how much school you completed, and how much you drive. Your information is instantly sent to all major companies and you will receive price estimates immediately.

To compare multiple company cheap Toyota Prius insurance rates now, click here and find out if lower rates are available in Fort Collins.

The companies in the list below provide free quotes in Fort Collins, CO. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.

Toyota Prius Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $190 $288 $298 $18 $90 $884 $74
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in your specific Fort Collins location which can revise premium rates greatly.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is which deductible level should you buy. The data tables below can help you visualize the difference in cost when you buy lower versus higher comp and collision deductibles. The first rate table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Toyota Prius insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $342 $546 $298 $18 $90 $1,319 $110
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Toyota Prius insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $250 $368 $298 $18 $90 $1,024 $85
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in Fort Collins location which can increase or decrease premiums substantially.

Based on these figures, using a $100 deductible costs roughly $25 more each month or $300 a year than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 16 months between claim filings, you would probably be better off if you choose the higher deductible.

Bad driving habits will cost you more

The example below shows how violations and accident claims increase Toyota Prius insurance premiums for each different age category. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Three reasons to insure your vehicle

Even though Fort Collins Prius insurance rates can get expensive, car insurance may not be optional for several reasons.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver overpays more than $869 every year so it's recommended you shop around at every policy renewal to ensure rates are inline.

You may qualify for discounts for Toyota Prius insurance in Fort Collins

Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that could drop your premiums quite a bit. Most are applied at the time of purchase, but less common discounts must be manually applied in order for you to get them. If you check and find you aren't receiving every discount available, you could be saving more on your insurance.Insurance discounts

As is typical with insurance, most credits do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. Despite the appearance that it's possible to get free car insurance, you won't be that lucky. But any discount will reduce the amount you pay for coverage.

Companies that may have these money-saving discounts include:

When getting a coverage quote, ask every insurance company what discounts are available to you. All car insurance discounts may not apply in every state. If you would like to see a list of insurers offering insurance discounts in Colorado, click this link.

Should I talk to an insurance agency?

Some people prefer to buy from a licensed agent and that is OK! Most agents can help you choose the best coverages and will help you if you have claims. An additional benefit of getting free rate quotes online is that drivers can save money and get the best rates and still have a local agent.

Find insurance agent in Fort CollinsTo help locate an agent, after submitting this quick form, your information is immediately sent to local insurance agents in Fort Collins who will give you bids to get your business. It's much easier because you don't need to drive around as quotes are delivered straight to your inbox. If you have a need to quote rates from a specific car insurance provider, you just need to visit that company's website and complete a quote there.

Deciding on a provider needs to be determined by more than just the quoted price. These are some questions you should get answers to.

Compare rates from both independent and exclusive car insurance agents

If you would like to find a reliable insurance agency, there are a couple of different agency structures from which to choose. Car insurance agents in Fort Collins can be classified as either exclusive or independent (non-exclusive). Either can sell affordable car insurance policies, but we need to point out how they differ because it can factor into which type of agent you select.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only write with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are highly trained on their company's products and that allows them to sell at a higher price point. Consumers frequently purchase coverage from exclusives mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Shown below are exclusive insurance agencies in Fort Collins willing to provide price quote information.

More insurance agents

Independent Agents (or Brokers)

These agents often have many company appointments and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. If prices rise, they can switch companies in-house and the insured can keep the same agent.

When comparing car insurance rates, it's recommended you contact at a minimum one independent agency in order to have the best price comparison. Many independent agencies also insure through companies you've never heard of which may provide better rates.

The following are independent agents in Fort Collins who can help you get price quotes.

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How much insurance do I need?

When quoting and choosing your policy, there isn't really a one-size-fits-all type of policy. Everyone's needs are different.Higher deductibles save money

Here are some questions about coverages that could help you determine whether you may require specific advice.

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Toyota Prius.

Since a lot of drivers have only the minimum liability required by law (25/50/15), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverages - Collision coverage will pay to fix damage to your Prius resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to bump up the deductible on your Prius to save money on collision insurance.

Liability auto insurance - Liability insurance protects you from injuries or damage you cause to other's property or people. This coverage protects you against other people's claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/15 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $15,000.

Liability coverage protects against things like funeral expenses, structural damage, legal defense fees, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Colorado state law requires minimum liability limits of 25/50/15 but you should consider buying better liability coverage.

Comprehensive coverages - This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Keep this in mind when shopping around

As you restructure your insurance plan, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

Consumers leave their current company for a variety of reasons including questionable increases in premium, poor customer service, high rates after DUI convictions and extreme rates for teen drivers. Whatever your reason, finding a new auto insurance company is easier than you think.

In this article, we presented some good ideas how you can find affordable Toyota Prius insurance in Fort Collins. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with the smaller companies.

To learn more, feel free to visit the resources below: