Do you want an efficient way to compare more competitive Ford Expedition insurance in Fort Collins? If you've never shopped for Fort Collins car insurance quotes online, you may be baffled thanks to the huge assortment of online companies that all promise the best rates for Ford Expedition insurance in Fort Collins.

Insurance quote for Ford Expedition in Fort CollinsUnbelievable but true according to a study the vast majority of insurance customers renewed their policy with the same company for at least four years, and nearly half have never taken the time to shop around. Colorado drivers could cut their rates by up to 35% a year just by comparing rates, but they don't know the actual amount they would save if they changed companies.

You should take the time to take a look at other company's rates at least once a year due to the fact that insurance prices fluctuate regularly. Even if you got the best rates on Ford Expedition insurance in Fort Collins two years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because I'm going to teach you the proper way to find better rates and still maintain coverage.

Discount Fort Collins insurance quotes

Auto insurance companies don't always list the complete list of policy discounts very clearly, so we break down a few of the more common and also the more inconspicuous discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, insurance companies wouldn't stay in business.

To find insurers that offer many of these discounts in Fort Collins, click here.

Most companies such as State Farm, Allstate and GEICO provide insurance quotes on their websites. This process is pretty painless because it's just a matter of typing in the coverages you want on the page. When the form is submitted, the company's rating system sends out for credit information and your driving record and quotes a price determined by many factors.

Quoting online for Ford Expedition insurance in Fort Collins makes it simple to compare prices and it's also necessary to perform this step in order to find the cheapest price possible.

To quickly compare rates now, compare rates from the companies below. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. This way, you are getting rate comparison quotes based on the exact same insurance coverage.

The companies in the list below offer quotes in Colorado. If several companies are displayed, it's a good idea that you click on several of them in order to get a fair rate comparison.

Ford Expedition Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $214 $298 $304 $18 $92 $926 $77
Expedition XLT 2WD $388 $546 $392 $24 $118 $1,468 $122
Expedition SSV 4WD $294 $562 $338 $20 $102 $1,316 $110
Expedition XLT 4WD $388 $546 $392 $24 $118 $1,468 $122
Expedition Eddie Bauer 2WD $294 $630 $314 $18 $94 $1,350 $113
Expedition Limited 2WD $264 $528 $338 $20 $102 $1,252 $104
Expedition Eddie Bauer 4WD $146 $282 $280 $16 $84 $808 $67
Expedition King Ranch 4WD $310 $496 $308 $18 $92 $1,224 $102
Expedition King Ranch 2WD $326 $662 $338 $20 $102 $1,448 $121
Expedition Limited 4WD $266 $492 $388 $22 $116 $1,284 $107
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can impact rates significantly.

Physical damage deductibles: Should you raise them?

The chart below highlights how deductible selection and can increase or decrease Ford Expedition premium costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

You Can Change Your Insurance Premiums

The best way to find cheaper insurance is to take a look at some of the things that are used to determine your policy premiums. If you understand what determines base rates, this helps enable you to make changes that can earn you better insurance rates. Many different elements are considered when pricing auto insurance. Some factors are common sense like an MVR report, but others are not as apparent like where you live or how safe your car is.

Local neighborhood insurance agents

A small number of people just prefer to visit with an insurance agent and that is OK! One of the benefits of getting online price quotes is that drivers can save money and get lower premium rates and still have a local agent.

Find insurance agent in Fort CollinsBy using this form (opens in new window), the coverage information is submitted to local insurance agents who will give competitive quotes for your car insurance coverage. There is no reason to find an agent because prices are sent to your email. You'll get the best rates AND an agent nearby. In the event you want to compare rates from a particular provider, just jump over to their website and fill out their quote form.

Picking an provider should depend on more than just a cheap price. The following questions are important to ask.

When finding a local insurance agency, there are a couple of types of insurance agents and how they can write your policy. Car insurance policy providers can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents of this type generally can only insure with one company such as American Family, State Farm, and Allstate. They are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their company's products and that enables them to sell even at higher rates. Many people buy from exclusive agents primarily because of the prominence of the brand rather than low rates.

Listed below is a list of exclusive agencies in Fort Collins that can give you rate quotes.

More insurance agents

Independent Insurance Agents

Independent agencies are not employed by one company and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can just switch to a different company and you don't have to find a new agent. When comparing car insurance prices, we recommend you check rates from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with small regional insurance companies which can save you money.

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

More insurance agents

Auto insurance does more than just protect your car

Despite the high cost, buying auto insurance may be required and benefits you in several ways.

The benefits of insuring your Expedition greatly outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so it's recommended you shop around at every renewal to help ensure money is not being wasted.

More quotes mean more car insurance savings

Throughout this article, we presented some good ideas how to save on Ford Expedition insurance in Fort Collins. It's most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the best premium rates are with the smaller companies.

Insureds leave their current company for a number of reasons such as not issuing a premium refund, lack of trust in their agent, questionable increases in premium or high prices. It doesn't matter what your reason, switching companies can be less work than you think.

As you quote Fort Collins car insurance, never buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

More information can be read at the links below