Do you want to learn how to find low-cost Honda Crosstour insurance in Fort Collins? I can't think of anyone who looks forward to buying auto insurance, particularly when the cost is too high.
Regrettably, most auto insurance buyers have bought auto insurance from the same company for over three years, and nearly the majority have never quoted auto insurance rates at all. Fort Collins consumers could save almost $600 every year by just comparing rate quotes, but they assume it's a waste of time to find cheaper auto insurance rates.
Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the cheapest price on Honda Crosstour insurance in Fort Collins.
Cheapest Honda insurance prices in Fort Collins
The car insurance companies shown below provide free rate quotes in Colorado. If multiple providers are shown, it's highly recommended you visit two to three different companies to get the best price comparison.
Insurance discounts are available to lower rates
Car insurance companies don't always publicize the entire discount list very clearly, so below is a list some of the more common in addition to some of the lesser obvious credits available to you.
- Distant Student - Children who attend college more than 100 miles from Fort Collins and leave their car at home could get you a discount.
- Full Payment Discount - If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
- Mature Driver Discount - Drivers that qualify as senior citizens can get lower premium rates.
- Fort Collins Homeowners Pay Less - Just owning your own home may trigger a policy discount on insurance because of the fact that having a home demonstrates responsibility.
- Seat Belt Usage - Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the medical payments premium.
- Claim-Free Discount - Insureds with no claims or accidents get the best insurance rates in comparison with policyholders that have many claims.
- Active Service Discounts - Having a deployed family member can result in better prices.
- Defensive Driving Course - Taking a defensive driver course could cut 5% off your bill if your company offers it.
Discounts reduce rates, but you should keep in mind that some credits don't apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free insurance policy, that's just not realistic.
To choose insurers that offer the discounts shown above in Colorado, click here.
Insurance agents can give valuable advice
Some consumers would prefer to get professional advice from a licensed agent and that can be a great decision The biggest benefit of getting free rate quotes online is the fact that drivers can get lower premium rates and still have a local agent. Buying from and supporting local agents is definitely important in Fort Collins.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to companies in Fort Collins who will give you bids to get your business. It makes it easy because there is no need to find an agent on your own as quotes are delivered directly to your email. It's the lowest rates and work with a local agent. If you want to get a comparison quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
Selecting a provider should include more criteria than just a cheap quote. The answers to these questions are important, too.
- How are they compensated?
- Can glass claims be handled at your home?
- Does the company allow you to choose your own collision repair facility?
- Will your rates increase after a single accident?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How many years of experience in personal auto insurance do they have?
- Are they in the agency full-time?
- Is there a Errors and Omissions policy in force?
Be skeptical of auto insurance ads
State Farm, GEICO and Progressive endlessly run ads on television and other media. All the ads advertise claims that drivers will save a bundle just by switching to their company. But how can every company offer drivers better rates? It's all in the wording.
Companies offer their best rates for the type of insured that earns them the most money. For instance, a profitable risk profile might be described as over the age of 35, owns a home, and drives a safe vehicle. Someone who matches those parameters will get very good Fort Collins car insurance rates and is almost guaranteed to pay quite a bit less when switching companies.
Insureds who don't meet these criteria must pay higher prices with the end result being the prospect going elsewhere. The trick is to say "drivers who switch" not "all people who quote" can get the lowest rates when switching. This is how companies can advertise the savings.
Because of these techniques, you really should do a price quote comparison at every renewal. Because you cannot predict which insurance companies will fit you best based on your risk profile.
Car insurance coverages for a Honda Crosstour
Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you'll find the usual coverages found on the average car insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Crosstour.
Due to the fact that many Colorado drivers only carry the minimum required liability limits (which is 25/50/15), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.
Collision coverage protection
This coverage pays to fix your vehicle from damage 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 things such as damaging your car on a curb, scraping a guard rail, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible on your Crosstour in order to get cheaper collision rates.
Auto liability insurance
Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/15 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability insurance covers things such as bail bonds, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. Colorado requires minimum liability limits of 25/50/15 but it's recommended drivers buy more liability than the minimum.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, hospital visits and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as rock chips in glass, hail damage, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Shop around and save
There are still a few companies who may not have internet price quotes and usually these smaller companies prefer to sell through independent insurance agents. More affordable insurance in Fort Collins can be bought both online and from local insurance agents, so compare prices from both so you have a total pricing picture.
When you buy Fort Collins auto insurance online, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest price.
You just read some good ideas how you can shop for Honda Crosstour insurance online. The key thing to remember is the more companies you get prices for, the better chance you'll have of finding cheaper Fort Collins auto insurance quotes. You may even discover the lowest priced insurance comes from an unexpected company. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive and GEICO.
Additional detailed information is available at these sites:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Colorado Auto Insurance Quotes for a Ford Edge? (FAQ)
- What Insurance is Cheapest for a Ford Explorer in Colorado? (FAQ)
- What is the Cheapest Auto Insurance in Aurora, Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Welfare Recipients? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)