Has it been a year or more since you last compared quotes for lower-priced Mazda 6 insurance in Fort Collins? No normal person gets a kick out of paying for car insurance, particularly when the cost is too high.
Unbelievably, most car insurance buyers in Colorado renewed their policy with the same company for well over three years, and about 40% of consumers have never shopped around. American drivers can cut their rates by almost 46.5% a year, but most tend to underestimate the big savings they would realize if they bought a different policy. There is such a variety of car insurance companies to purchase coverage from, and although it's nice to have a choice, having more insurance companies makes it harder to get the best deal for Mazda 6 insurance in Fort Collins.
It's a great practice to do price comparisons before your policy renews since insurance rates are constantly changing. Just because you found the best rate on Mazda 6 insurance in Fort Collins at your last renewal there may be better deals available now. You can find a lot of misleading information regarding 6 insurance online, but in a few minutes you can learn some tested techniques to reduce your car insurance bill.
Low-cost Mazda insurance rate quotes in Fort Collins
The following companies offer comparison quotes in Fort Collins, CO. If multiple providers are shown, we suggest you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$212||$416||$456||$28||$136||$1,248||$104|
|6 I SV 4-Dr Sedan||$234||$448||$396||$24||$118||$1,220||$102|
|6 I Touring 4-Dr Sedan||$276||$502||$362||$22||$108||$1,270||$106|
|6 I Touring Plus 4-Dr Sedan||$194||$314||$338||$20||$100||$966||$81|
|6 I Touring Plus 4-Dr Sedan||$264||$448||$396||$24||$118||$1,250||$104|
|6 I Grand Touring 4-Dr Sedan||$162||$332||$396||$24||$118||$1,032||$86|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$264||$528||$396||$24||$118||$1,330||$111|
|6 S Touring Plus 4-Dr Sedan||$350||$538||$460||$28||$138||$1,514||$126|
|6 S Grand Touring 4-Dr Sedan||$242||$426||$358||$22||$108||$1,156||$96|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$214||$448||$396||$24||$118||$1,200||$100|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact coverage rates substantially.
Higher deductibles save money
The illustration below demonstrates how deductible levels and can increase or decrease Mazda 6 insurance premiums for different ages of insureds. The prices are based on a married male driver, full coverage, and no other discounts are factored in.
Comparison of auto insurance rates by age and gender
The chart below illustrates the comparison of Mazda 6 yearly insurance costs for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in.
Cost difference between full coverage and liability
The example below illustrates the difference between Mazda 6 insurance premiums when comparing full coverage to state minimum liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single female driver, and no other discounts are factored in.
Deciding between full coverage and liability only
There isn't a steadfast formula to delete physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's pretend your Mazda 6 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If it's costing in excess of $500 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.
There are some cases where dropping full coverage is not recommended. If you haven't satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Cheap Fort Collins car insurance quotes with discounts
Companies do not list every discount they offer very well, so below is a list a few of the more well known as well as some of the hidden credits that may apply to you.
- Government Employees - Federal government employees may qualify for a discount when you quote Fort Collins car insurance with some car insurance companies.
- Fewer Miles Equal More Savings - Driving less could earn better car insurance rates on cars that stay parked.
- Save with a New Car - Buying a new car model may earn a small discount due to better safety requirements for new model year vehicles.
- Early Renewal Discounts - Some insurance companies give discounts for signing up before your current 6 insurance policy expires. You may see this discount when you get Fort Collins car insurance quotes online.
- Discount for Life Insurance - Some companies give a discounted car insurance rate on car insurance if you buy auto and life insurance together.
One thing to note about discounts is that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, that's just not realistic.
Larger car insurance companies and some of the premium reductions they offer can be found below.
- State Farm discounts include passive restraint, anti-theft, defensive driving training, driver's education, good driver, and Drive Safe & Save.
- Nationwide offers discounts for accident-free, family plan, easy pay, multi-policy, Farm Bureau membership, and anti-theft.
- GEICO may include discounts for multi-policy, membership and employees, seat belt use, air bags, defensive driver, emergency military deployment, and anti-lock brakes.
- AAA has discounts for pay-in-full, education and occupation, anti-theft, good driver, and multi-policy.
- 21st Century includes discounts for air bags, theft prevention, automatic seat belts, homeowners, good student, 55 and older, and student driver.
- The Hartford may offer discounts for air bag, defensive driver, bundle, driver training, and vehicle fuel type.
When getting a coverage quote, ask every company which credits you are entitled to. All car insurance discounts may not apply to policies everywhere. To locate car insurance companies that can offer you the previously mentioned discounts in Colorado, click here.
When to get professional advice
When quoting and choosing the right insurance coverage for your personal vehicles, there really isn't a one size fits all plan. Your needs are unique to you.
Here are some questions about coverages that may help you determine whether you might need an agent's assistance.
- Do I need to call my car insurance company before buying a new car?
- At what point should I drop full coverage?
- Is extra glass coverage worth it?
- Does car insurance cover theft of personal property?
- Is my babysitter covered when using my vehicle?
- Should I buy more coverage than the required Colorado minimum liability coverage?
- Am I covered when driving on a suspended license?
- Should I waive the damage coverage when renting a car?
- Which is better, split liability limits or combined limits?
If it's difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Car insurance agents near you
A small number of people still like to go talk to an agent and that is recommended in a lot of cases Insurance agents are trained risk managers and help you file claims. One of the benefits of comparing insurance prices online is the fact that drivers can get cheaper car insurance rates and still have an agent to talk to. And supporting local insurance agents is important especially in Fort Collins.
After filling out this form (opens in new window), your information is immediately sent to participating agents in Fort Collins that give free quotes and help you find cheaper coverage. You never need to even leave your home due to the fact that quote results will go immediately to your email address. If you need to compare rates from a specific insurance company, feel free to visit that company's website and give them your coverage information.
Is an exclusive or independent auto insurance agent right for you?
When searching for a local Fort Collins insurance agent, it's helpful to know the different types of agents and how they differ in how they quote coverages. Insurance agents can either be exclusive or independent agents depending on their company appointments. Either can insure your vehicles properly, but it's good to learn the differences because it can impact the selection process.
Independent Insurance Agencies
Agents in the independent channel are not locked into one company and that enables them to quote your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies which requires no work on your part.
When comparing insurance rates, you absolutely need to get quotes from at least one independent agent to maximize your price options.
The following is a list of independent insurance agencies in Fort Collins that can give you free insurance quotes.
Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map
Exclusive agencies work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.
Shown below are Fort Collins exclusive insurance agents willing to provide price quote information.
Choosing the best insurance agency should depend on more than just a cheap quote. The questions below may impact your decision as well.
- What is the agency's Better Business Bureau rating?
- Does the agent recommend any additional coverage?
- Are they involved in claim handling?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How many companies do they write for?
- Will the company cover a rental car if your car is getting fixed?
Specific coverage details
Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle's damage.
Since a lot of drivers carry very low liability coverage limits (25/50/15 in Colorado), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, pain medications, rehabilitation expenses, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Coverage for liability
This protects you from damage or injury you incur to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/15 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $15,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like structural damage, funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible. Colorado requires minimum liability limits of 25/50/15 but you should consider buying higher limits.
Collision coverage protection
Collision insurance pays for damage to your 6 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your 6 in order to get cheaper collision rates.
One last thing to lower rates
While you're price shopping online, do not buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that it was a big error on their part. The goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.
Affordable Mazda 6 insurance in Fort Collins is definitely available both online as well as from insurance agents, so get free Fort Collins car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not provide rates over the internet and usually these regional carriers only sell coverage through independent agents.
We just presented a lot of information how to find lower-cost Mazda 6 insurance in Fort Collins. It's most important to understand that the more times you quote, the higher your chance of finding inexpensive Fort Collins car insurance quotes. You may even find the lowest prices are with an unexpected company.
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Safe Drivers in Colorado? (FAQ)
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- Who Has Cheap Colorado Auto Insurance for Immigrants? (FAQ)
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- Winter Driving (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Teen Driver Statistics (Insurance Information Institute)