Locating lower-cost Fort Collins Lincoln MKT insurance quotes on the web can be rather difficult for beginners to comparison shopping on the web. With so many insurance agents and companies in the marketplace, how are we expected to efficiently compare each option to find cheaper auto insurance rates?
Unbelievable but true according to a study a large majority of auto insurance policyholders have been with the same company for a minimum of four years, and 38% of drivers have never compared rates with other companies. Fort Collins drivers could save as much as $605 a year just by shopping around, but most just don't grasp how much savings they would realize if they switched to a cheaper policy.
These tips will let you in on how car insurance companies work and some tips to save money. If you have insurance now, you will be able to find the best rates using the following tips. But Colorado consumers must learn how big insurance companies sell insurance online and apply this information to your search.
How to buy Fort Collins Lincoln MKT insurance online
Most of the larger companies like GEICO, State Farm and Progressive provide insurance quotes on their websites. Doing online price comparisons for Lincoln MKT insurance in Fort Collins is pretty painless as all you need to do is type in your coverage information as requested by the quote form. Upon sending the form, the system automatically retrieves information on your driving record and credit history and generates pricing information based on these and other factors.
Being able to quote online for Lincoln MKT insurance in Fort Collins makes it easy to compare insurance prices and it's very important to perform this step in order to get the lowest payment.
To save time and use this form to compare rates, compare rates from the companies below. If you have a policy now, it's recommended you replicate the coverage information as close as possible to your current policy. This ensures you will be getting an apples-to-apples comparison for exact coverage.
The car insurance companies shown below are our best choices to provide price quotes in Fort Collins, CO. If multiple companies are listed, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|MKT 3.7 2WD||$380||$644||$396||$24||$118||$1,562||$130|
|MKT 3.7 AWD||$226||$382||$404||$24||$122||$1,158||$97|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in Fort Collins location which can decrease or increase price quotes substantially.
Gender differences in auto insurance premiums
The illustration below shows the comparison of Lincoln MKT insurance prices for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
Affordable Fort Collins car insurance rates with discounts
Some providers don't always list all discounts very well, so the following is a list of both the well known as well as some of the hidden credits available to lower your premiums when you buy Fort Collins car insurance online. If you are not receiving all the discounts possible, you could be getting lower rates.
- Government Employee Discount - Active or former government employment may reduce rates when you quote Fort Collins car insurance depending on your car insurance provider.
- Resident Student - Any of your kids who attend college more than 100 miles from Fort Collins and won't have access to an insured vehicle may qualify for this discount.
- Discount for Life Insurance - If the company offers life insurance, you could get better car insurance rates if you take out a life insurance policy as well.
- Drivers Ed for Students - It's a good idea to have your young drivers participate in a local driver's education class in school.
- Good Student - Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
- Auto/Home Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total MKT insurance premium.
- Defensive Driver - Completing a course in safe driver is a good idea and can lower rates and easily pay for the cost of the class.
As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Even though it appears you could get a free car insurance policy, you won't be that lucky. Any amount of discount should help lower the cost of your policy.
A few companies that may have some of the discounts shown above include:
If you need the cheapest Lincoln MKT rate quotes, ask each company or agent how many discounts you can get. Some discounts listed above may not apply to policyholders in your state.
When should I get advice from an insurance agency?
A small number of people prefer to talk to an insurance agent and that is a smart decision The biggest benefit of comparing rate quotes online is the fact that you can find cheap auto insurance quotes and still have a local agent. And providing support for local insurance agencies is important particularly in Fort Collins.
Once you complete this form (opens in new window), your insurance coverage information is submitted to companies in Fort Collins that provide free Fort Collins car insurance quotes for your insurance coverage. It's much easier because you don't need to even leave your home since rate quotes are delivered to you directly. You can most likely find cheaper rates and an insurance agent to talk to. If you need to compare prices from a specific company, you just need to go to their quote page to submit a rate quote request.
If you need to find a good insurance agency, you should know the different types of agents and how they are distinctly different. Auto insurance agents can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
These type of agents do not work for one specific company and that allows them to write policies with any number of different companies and get the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent. When searching for an agent, you will definitely want to check rates from multiple independent agents in order to have the best price comparison. They often place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Listed below is a list of independent agencies in Fort Collins that may be able to give pricing information.
- ABC Insurance Agency
121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map
- Nationwide Insurance: Mountain Plains Agency LLC
4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map
- Welsh Insurance Agency, Inc.
4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map
Exclusive Auto Insurance Agents
Agents in the exclusive channel work for only one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot shop your coverage around so they really need to provide good service. They receive a lot of sales training on the products they sell and that enables them to sell even at higher rates. Consumers frequently purchase coverage from exclusives mostly because of the prominent brand name rather than having low rates.
Shown below is a list of exclusive agents in Fort Collins who can help you get price quotes.
- State Farm: Eric Moskalski
1090 E Elizabeth St - Fort Collins, CO 80524 - (970) 493-1888 - View Map
- Allstate Insurance: Lance Bebout
19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map
- Farm Bureau Insurance
335 E Mountain Ave - Fort Collins, CO 80524 - (970) 482-3952 - View Map
Selecting an insurance agent should include more criteria than just a cheap price. These are some questions your agent should answer.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Can you get a list of referrals?
- How long has their agency been open in Fort Collins?
- Can you contact them at any time?
- In the event of vehicle damage, can you pick the collision repair facility?
- How would your car be valued if totalled?
How much auto insurance do I need?
Keep in mind that when it comes to choosing a policy for your vehicles, there really isn't a best way to insure your cars. You are unique.
Here are some questions about coverages that can aid in determining if you might need professional guidance.
- How much liability insurance is required?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered if I break a side mirror?
- Does my insurance cover my expensive audio equipment?
- Can I use my car for my catering business?
- Is my Lincoln MKT covered for smoke damage?
- Will filing a claim cost me more?
- Is extra glass coverage worth it?
If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Is there truth in advertising?
Companies like GEICO, State Farm and Progressive seem to constantly run television, radio, and online ads. They all tend to make the same promise that drivers will save a bundle if you change your coverage to them. It sounds good, but how can they all charge you less for car insurance? This is the way they can do it.
Auto insurance companies have strict underwriting profiles for the type of driver that will add to their bottom line. A good example of a desirable insured may need to be a mature driver, has never had a claim, and has a high credit rating. Someone that hits that "sweet spot" will get the preferred prices in Fort Collins and will also cut their Lincoln MKT insurance rates if they switch.
Drivers who don't meet the ideal profile may receive higher rates with the end result being the customer buying from someone else. If you listen to the ad wording, they say "drivers who switch" not "everyone who quotes" can save as much as they claim. That's why insurance companies can make the claims of big savings.
This really emphasizes why you absolutely need to compare rate quotes every year. It's not possible to predict which insurance companies will have the lowest Lincoln MKT insurance in Fort Collins.
Learn about auto insurance coverages for a Lincoln MKT
Having a good grasp of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
This coverage covers 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 getting keyed, a tree branch falling on your vehicle, rock chips in glass, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
This coverage will pay to fix damage to your MKT resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a parking meter, driving through your garage door, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to increase the deductible on your MKT to save money on collision insurance.
Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, 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 $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like attorney fees, repair costs for stationary objects, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. Colorado requires minimum liability limits of 25/50/15 but drivers should carry higher limits.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as pain medications, dental work, rehabilitation expenses, funeral costs and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.
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. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.
One last note
As you quote Fort Collins car insurance, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed full coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
We've covered quite a bit of information on how to find affordable Lincoln MKT insurance in Fort Collins. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. You may even find the lowest rates come from an unexpected company.
Consumers who switch companies do it for a variety of reasons including poor customer service, delays in responding to claim requests, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.
Helpful learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Active Military in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has Affordable Colorado Car Insurance Rates for a Company Car? (FAQ)
- How Much is Auto Insurance for a Chevrolet Equinox in Colorado? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford Escape in Colorado? (FAQ)
- What Auto Insurance is Cheapest in Security-Widefield, Colorado? (FAQ)
- Who Has the Cheapest Colorado Car Insurance for Teenage Females? (FAQ)
- What is Full Coverage? (Allstate)
- Understanding Car Crashes Video (iihs.org)