High-priced insurance in Fort Collins can empty your checking account and maybe even restrict other spending. Doing a rate analysis is free, only takes a few minutes, and is a good way to make ends meet.

Discount Nissan Versa insuranceAstonishing but true according to a recent study, nearly 70% of consumers have stayed with the same insurance company for a minimum of four years, and virtually 40% of consumers have never compared insurance rates at all. With the average insurance premium being $1,813, Fort Collins drivers can cut their rates by up to 35% a year just by getting comparison quotes, but they don't want to take the time to find cheaper rates by getting comparison quotes.

Many insurers vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive best rates possible on Nissan Versa insurance in Fort Collins.

You should make it a habit to compare prices at least once a year since rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates on Nissan Versa insurance in Fort Collins last year you may be paying too much now. There is a lot of wrong information about Versa insurance online, but I'm going to show you some of the best ways to save money.

Cheapest car insurance in Fort Collins, CO

The car insurance companies shown below offer quotes in Fort Collins, CO. If the list has multiple companies, it's highly recommended you visit several of them to get the cheapest price.

Nissan Versa Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $176 $382 $338 $20 $100 $1,016 $85
Versa 1.8 S Hatchback $204 $528 $368 $22 $110 $1,232 $103
Versa 1.8 S SEDAN $132 $312 $362 $22 $108 $936 $78
Versa 1.8 SL Hatchback $212 $528 $338 $20 $100 $1,198 $100
Versa 1.8 SL SEDAN $264 $608 $358 $22 $108 $1,360 $113
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in garaging location in Fort Collins which can lower or raise prices significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is at what level do you set your deductibles. The data tables below sum up the differences in price when you choose different insurance deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Nissan Versa insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $202 $376 $352 $20 $106 $1,081 $90
Versa 1.8 S Hatchback $236 $538 $352 $20 $106 $1,277 $106
Versa 1.8 S SEDAN $236 $538 $352 $20 $106 $1,277 $106
Versa 1.8 SL Hatchback $272 $620 $352 $20 $106 $1,395 $116
Versa 1.8 SL SEDAN $272 $620 $352 $20 $106 $1,395 $116
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Nissan Versa insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $164 $304 $352 $20 $106 $946 $79
Versa 1.8 S Hatchback $192 $434 $352 $20 $106 $1,104 $92
Versa 1.8 S SEDAN $192 $434 $352 $20 $106 $1,104 $92
Versa 1.8 SL Hatchback $220 $500 $352 $20 $106 $1,198 $100
Versa 1.8 SL SEDAN $220 $500 $352 $20 $106 $1,198 $100
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 safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can alter price quotes substantially.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $14 more each month or $168 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claims, you would most likely save money if you elect the higher deductible.

Lower-cost Nissan Versa insurance in Fort Collins

The cost of insuring your cars can be expensive, but you can get discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but occasionally some discounts must be manually applied before being credited.

Just know that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

If you would like to see a list of providers that offer multiple discounts in Fort Collins, click here.

Auto insurance agents can find coverage gaps

Many drivers prefer to visit with an insurance agent. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still buy from a local agent.

Fort Collins insurance agentsTo find an agent, once you fill out this simple form, your coverage information is transmitted to local insurance agents who will give you quotes for your insurance coverage. You never need to contact an agency because prices are sent instantly to you. You can get cheaper auto insurance rates without having to waste a lot of time. If for some reason you want to get a price quote for a specific company, just search and find their rate quote page and submit a quote form there.

Finding the right provider needs to be determined by more than just the premium amount. Any agent in Fort Collins should be willing to answer these questions.

When searching for an insurance agent, it helps to know the two different types of agents to choose from. Fort Collins agents can be described as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company such as State Farm or Allstate. They usually cannot compare other company's rates so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them sell on service rather than price.

Listed below are Fort Collins exclusive insurance agents that are able to give price quote information.

Ste B6, 2427 S College Ave - Fort Collins, CO 80525 - (970) 226-1800 - View Map

1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map

5205 S College Ave - Fort Collins, CO 80525 - (970) 493-2196 - View Map

View more Fort Collins agents

Independent Auto Insurance Agencies

Independent agents can sell policies from many different companies so they have the ability to put coverage with an assortment of companies and get the cheapest rates. If your premiums go up, they can switch companies in-house which requires no work on your part. When comparing rate quotes, you definitely need to get insurance quotes from several independent insurance agents to get the best comparison.

Shown below are independent insurance agents in Fort Collins willing to provide comparison quotes.

7352 Greenridge Road, Suite A-8 - Windsor, CO 80550 - (970) 460-0303 - View Map

421 Stover St - Fort Collins, CO 80524 - (970) 224-5500 - View Map

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

View more Fort Collins agents

After talking to the agent and getting good answers for all questions you ask and a low price estimate, you've probably found an insurance agent that is reputable and can properly service your auto insurance policy.

Advertising and insurance

State Farm, Allstate and GEICO continually stream television and radio advertisements. All the ads advertise the message about savings if you switch your policy. How is it plausible that every one can give you a better price on Nissan Versa insurance in Fort Collins? It's all in how they say it.

All the different companies have underwriting criteria for the type of customer they prefer to insure. For example, a desirable insured might be described as between the ages of 30 and 50, has no driving citations, and does not commute to work. A customer getting a price quote who fits those characteristics is entitled to the best price and will most likely save if they switch.

Potential insureds who may not quite match these criteria will get more expensive rates which translates to the customer not buying. If you pay close attention to the ads, they say "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can make those claims. This really illustrates why it is so important to do a rate comparison at every renewal. You cannot predict with any certainty which company will have the best car insurance rates for your profile.

Cheaper insurance rates are possible

When buying insurance coverage, you should never buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

You just read many ways to compare Nissan Versa insurance rates in Fort Collins. It's most important to understand that the more you quote Fort Collins auto insurance, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies. They may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

Additional information can be found at the links below