Insurance rates Chevy Colorado in Fort CollinsAre you looking for a better way to compare low-cost insurance rates in Fort Collins, CO? Fort Collins shoppers have options when shopping for low-cost Chevy Colorado insurance. They can either waste time calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are more efficient ways to find insurance online and we'll show you the proper way to get price quotes for your Chevy and get the best price possible from both online companies and Fort Collins agents.

It's a good habit to do rate comparisons on a regular basis because rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Chevy Colorado insurance in Fort Collins a year ago you can probably find a lower rate today. Block out anything you think you know about insurance because you're about to learn one of the quickest ways to get good coverage on Chevy Colorado insurance in Fort Collins at a lower rate.

The following companies offer quotes in Colorado. If multiple providers are shown, we recommend you get rate quotes from several of them to get the best price comparison.

Chevrolet Colorado Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $158 $320 $338 $20 $100 $936 $78
Colorado LT Extended Cab 2WD $214 $454 $474 $28 $142 $1,312 $109
Colorado LT 4WD $220 $304 $392 $24 $118 $1,058 $88
Colorado LT Crew Cab 2WD $216 $420 $362 $22 $108 $1,128 $94
Colorado LT Extended Cab 4WD $226 $462 $338 $20 $102 $1,148 $96
Colorado LT Crew Cab 4WD $172 $314 $286 $16 $86 $874 $73
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in Fort Collins location which can impact premiums considerably.

Rate comparison of men versus women in Fort Collins

The chart below illustrates the difference between Chevrolet Colorado insurance premiums for male and female drivers. The costs are based on no violations or claims, full coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Why you need quality insurance for your Colorado

Even though Fort Collins Colorado insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.

The benefits of buying insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is wasting up to $850 per year so it's very important to do a rate comparison at every renewal to make sure the price is not too high.

Why You Might Pay Increased Rates in Fort Collins

Consumers need to have an understanding of some of the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that will entitle you to lower premium levels. Lots of factors are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but others are more transparent such as your marital status or how safe your car is.

The list below includes most of the major factors utilized by car insurance companies to help set your rates.

Discounts can help lower rates on Chevy Colorado insurance in Fort Collins

Car insurance companies don't always advertise every available discount very clearly, so we break down a few of the more common and the more hidden ways to save on car insurance.Cheaper car insurance with discounts

Policy discounts save money, but most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears you would end up receiving a 100% discount, it just doesn't work that way.

A few companies who might offer most of the discounts above are:

If you want cheaper Fort Collins car insurance quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be offered in Fort Collins. To view car insurance companies with the best discounts in Colorado, follow this link.

When to get advice from a local insurance agent

Many people just want to sit down and talk to an agent and that can be a great decision Licensed agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing car insurance online is the fact that you can find the best rates and also buy local. Supporting local insurance agencies is important especially in Fort Collins.

Insurance agency in Fort CollinsTo find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents who want to provide quotes for your insurance coverage. You won't even need to contact an agency since rate quotes are delivered to you directly. If for some reason you want to get a comparison quote for a specific company, feel free to search and find their rate quote page and fill out their quote form.

Exclusive or Independent: There is a difference

When searching for local Fort Collins agents, you must know there are a couple types of insurance agents and how they operate. Agents are considered either exclusive agents or independent agents. Both can sell affordable car insurance policies, but it's important to know the difference in how they write coverage because it may have an impact on your selection of an agent.

Independent Agents

Agents in the independent channel often have many company appointments and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don't have to switch agencies.

If you need cheaper car insurance rates, we highly recommend that you get insurance quotes from a couple of independent agencies to ensure the widest selection of prices. A lot of them also have access to small regional insurance companies that can offer cheaper rates than bigger companies.

Below are Fort Collins independent agencies who may be able to give you free price quotes.

More insurance agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are well schooled on the products they sell and that enables them to sell even at higher rates. Some insured continue to buy insurance from these agents mainly due to high brand loyalty and strong financial ratings.

Below are Fort Collins exclusive insurance agencies that are able to give rate quotes.

More insurance agents

Finding the right car insurance agent should depend on more than just a cheap price quote. Agents should be asked these questions:

Don't give up on cheap rates

When searching for inexpensive Fort Collins car insurance quotes, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

Consumers change insurance companies for a number of reasons such as high prices, being labeled a high risk driver, questionable increases in premium and even not issuing a premium refund. Whatever your reason, choosing a new insurance company can be easier than you think.

More affordable car insurance in Fort Collins is attainable from both online companies as well as from independent agents in Fort Collins, and you need to comparison shop both in order to have the best chance of saving money. Some companies don't offer the ability to get quotes online and most of the time these small insurance companies sell through local independent agencies.

Even more information is located by following these links: