Want to learn how to find lower-priced Land Rover LR4 insurance in Fort Collins? Are you confused by the dozens of insurance sources available to you? There are such a large number of options that it can quickly become more work than you anticipated to locate the lowest premium rates for Land Rover LR4 insurance in Fort Collins. Fort Collins is a good city to live in, but expensive insurance makes it impossible to stay on budget.
It's hard to fathom, but over 70% of consumers kept buying from the same company for four years or more, and approximately 40% of consumers have never shopped around. With the average insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year, but they don't know the big savings they would realize if they switched.
Consumers should take time to check insurance prices quite often because prices fluctuate regularly. Even if you think you had the lowest rates on Land Rover LR4 insurance in Fort Collins on your last policy other companies may now be cheaper. There is a lot of wrong information about LR4 insurance on the internet, but in a few minutes you can learn some of the best techniques to lower your insurance premiums.
Cheaper rates with these five discounts
Auto insurance companies don't necessarily list all possible discounts in a way that's easy to find, so the list below details a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Fort Collins auto insurance online.
- Anti-lock Brake Discount - Cars with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
- Bundled Policy Discount - If you can bundle your auto and homeowners insurance with one company you will save up to 20% off your total LR4 insurance premium.
- Distant Student Discount - Youth drivers who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
- Good Student Discount - This discount can earn a discount of 20% or more. You can use this discount normally up to age 25.
- E-sign Discounts - A few larger online companies provide a small discount for completing your application online.
Remember that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, insurance companies wouldn't stay in business.
Companies and their possible discounts are outlined below.
- AAA includes discounts for pay-in-full, multi-policy, education and occupation, multi-car, anti-theft, good driver, and AAA membership discount.
- Progressive may have discounts that include continuous coverage, online quote discount, multi-policy, online signing, good student, multi-vehicle, and homeowner.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, passive restraint, driver's education, and multiple autos.
- Esurance offers discounts including DriveSense, multi-car, homeowner, good student, good driver, and online shopper.
- Nationwide may offer discounts for accident-free, business or organization, family plan, good student, multi-policy, and Farm Bureau membership.
Check with every company the best way to save money. Some discounts listed above might not be available to policyholders in your state. For a list of providers who offer cheap Land Rover LR4 insurance quotes in Fort Collins, click this link.
The most recommended method to compare policy rates for Land Rover LR4 insurance in Fort Collins takes advantage of the fact almost all companies participate in online systems to compare their rates. All consumers are required to do is spend a couple of minutes providing details such as if your license is active, distance driven, the make and model of your vehicles, and your job. That rating data is instantly sent to multiple auto insurance providers and they respond with quotes immediately.
To check rates for your car now, click here and find out if you can get cheaper insurance in Fort Collins.
The providers in the list below provide quotes in Colorado. If multiple companies are shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|LR4 HSE Plus||$428||$702||$460||$28||$138||$1,756||$146|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can revise rates considerably.
Comparison of auto insurance rates by age and gender in Fort Collins
The diagram below shows the comparison of Land Rover LR4 insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.
It's not one size fits all
Always remember that when buying your policy for your vehicles, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else's.
For example, these questions may help you determine whether you may require specific advice.
- Is a blown tire covered by insurance?
- Are all vehicle passengers covered by medical payments coverage?
- Does every company file a SR-22 automatically?
- What should my uninsured motorist coverage limits be in Colorado?
- Do I benefit by insuring my home with the same company?
- What states are considered no-fault?
- Does my insurance cover my expensive audio equipment?
- Why do I need rental car insurance?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Comparing prices from local Fort Collins car insurance agents
Many people would rather visit with an insurance agent and that is OK! The biggest benefit of getting online price quotes is the fact that drivers can get the best rates and still buy from a local agent. And providing support for local insurance agencies is still important in Fort Collins.
To find an agent, once you fill out this form (opens in new window), the coverage information is emailed to local insurance agents in Fort Collins that can provide free Fort Collins auto insurance quotes to get your business. It makes it easy because there is no need to drive around since price quotes are sent to you directly. Get lower rates without having to waste a lot of time. If for some reason you want to quote rates for a specific company, just find their quoting web page and submit a quote form there.
If you want a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Fort Collins agents are classified as either exclusive or independent (non-exclusive).
Independent insurance agents are not required to write business for one company so they can quote policies with many different companies and find the cheapest rate. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When searching for an agent, it's recommended you include rate quotes from a couple of independent agencies so that you can do a thorough price comparison. Most also write with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below is a short list of independent agencies in Fort Collins that can possibly get you rate quotes.
- Frontier Insurance Group
144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map
- Insurance Specialties Ltd
148 W Oak St - Fort Collins, CO 80524 - (970) 490-1530 - View Map
- Front Range Insurance Group
1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to place coverage with different providers so always compare other rates. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents. Consumers sometimes buy from exclusive agents mostly because of high brand loyalty rather than low rates.
Listed below is a list of exclusive insurance agencies in Fort Collins that can give you price quotes.
- Rip Knight - State Farm Insurance Agent
1015 S Taft Hill Rd - Fort Collins, CO 80521 - (970) 232-9212 - View Map
- Farm Bureau Insurance
335 E Mountain Ave - Fort Collins, CO 80524 - (970) 482-3952 - View Map
- Brad Bischoff - State Farm Insurance Agent
1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map
Selecting an insurance agency should depend on more than just a cheap price. Get answers to these questions too.
- Can they provide you with a list of referrals?
- How much will you save each year by using a higher deductible?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long have they worked with personal auto insurance coverage?
- How long has their agency been open in Fort Collins?
- Is every driver in your family covered?
- Is the agent CPCU or CIC certified?
- Do they get paid more for recommending certain coverages?
Three main reasons to buy auto insurance
Despite the fact that auto insurance is not cheap in Fort Collins, auto insurance serves several important purposes.
First, just about all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability coverage in order to drive the car. 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 took out a loan on your Land Rover LR4, most lenders will require you to have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Land Rover at an extremely high rate and require you to reimburse them for it.
Third, insurance safeguards not only your Land Rover LR4 but also your financial assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your Land Rover gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Colorado is overpaying over $830 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.
Learn about insurance coverages for a Land Rover LR4
Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for bills for things like doctor visits, pain medications, X-ray expenses and surgery. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability car insurance
This provides protection from damages or injuries you inflict on other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have 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. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things such as court costs, loss of income, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford. Colorado state law requires minimum liability limits of 25/50/15 but drivers should carry higher limits.
Collision coverage covers damage to your LR4 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible on your LR4 to save money on collision insurance.
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like fire damage, hitting a bird, theft, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as your vehicle's damage.
Since a lot of drivers have only the minimum liability required by law (Colorado limits are 25/50/15), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Compare rates regularly to save
Budget-friendly insurance in Fort Collins can be bought both online in addition to local insurance agencies, so get free Fort Collins auto insurance quotes from both of them to have the best rate selection. Some insurance companies don't offer online quoting and most of the time these smaller companies work with independent agents.
Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, policy cancellation, high rates after DUI convictions and even delays in paying claims. It doesn't matter what your reason, switching insurance companies is pretty easy and you might even save some money in the process.
In this article, we presented many ideas to shop for Land Rover LR4 insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding low cost Fort Collins auto insurance quotes. You may even discover the lowest car insurance rates are with the smaller companies.
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance for 16 Year Olds in Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Welfare Recipients? (FAQ)
- How Much are Colorado Auto Insurance Rates for Police Officers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Camry in Colorado? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Top Signs Your Brakes are Giving Out (State Farm)
- Neck Injury FAQ (iihs.org)