Would you like to save money by finding low-cost Ford F-150 insurance in Fort Collins? Searching for better insurance prices for a new or used Ford F-150 in Colorado can normally be a lot of work, but you can learn these tips and make it easy.
There are more efficient ways to buy auto insurance so we're going to tell you the best way to get price quotes for a Ford and locate the lowest price from both online companies and Fort Collins agents.
If you have coverage now or are shopping for new coverage, take advantage of these tips to cut your premiums without sacrificing coverage. Comparing quotes for the lowest cost policy in Fort Collins is easy to do. Comparison shoppers only have to learn the most effective way to shop their coverage around online from multiple companies.
Do you qualify for discounts?
Some insurance providers do not advertise all discounts in an easy-to-find place, so the list below details both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Fort Collins car insurance online. If you aren't receiving every discount you deserve, you could be paying more than you need to.
- Own a Home - Being a homeowner can save a few bucks because it requires personal responsibility.
- Military Discounts - Having a family member in the military may lower your insurance rates slightly.
- Telematics Data - Insureds that choose to allow data collection to analyze driving habits by using a telematic data system such as Progressive's Snapshot and State Farm's In-Drive may see discounts if they show good driving skills.
- New Vehicle Savings - Putting insurance coverage on a new F-150 can save you some money due to better safety requirements for new vehicles.
- Distant Student - Older children who are attending college and don't have a car can receive lower rates.
- Organization Discounts - Joining certain professional organizations could trigger savings on insurance.
- Air Bags and Passive Restraints - Factory air bags may earn rate discounts of 20 to 30 percent.
Policy discounts save money, but some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.
A list of insurance companies and their offered discounts can be found below.
- Farm Bureau may offer discounts for renewal discount, 55 and retired, good student, safe driver, and multi-vehicle.
- MetLife has savings for good driver, multi-policy, accident-free, defensive driver, good student, and claim-free.
- Progressive has discounts for multi-policy, good student, homeowner, multi-vehicle, online quote discount, and online signing.
- AAA offers discounts including education and occupation, multi-policy, AAA membership discount, anti-theft, good student, and good driver.
- American Family offers premium reductions for accident-free, early bird, TimeAway discount, good student, mySafetyValet, air bags, and multi-vehicle.
- GEICO offers discounts for air bags, good student, driver training, multi-policy, defensive driver, daytime running lights, and seat belt use.
- State Farm discounts include multiple policy, good student, anti-theft, good driver, defensive driving training, multiple autos, and Drive Safe & Save.
It's a good idea to ask each company how you can save money. Discounts may not apply to policies in Fort Collins. To see companies that offer the discounts shown above in Fort Collins, click this link.
The method we recommend to compare rates for Ford F-150 insurance in Fort Collins takes advantage of the fact auto insurance companies provide online access to quote your coverage. The only thing you need to do is provide a little information like the ages of drivers, what your job is, if you have a valid license, and if the car is leased. The data is sent automatically to many different companies and you will get price comparisons with very little delay.
To compare cheap Ford F-150 insurance rates now, click here and complete the form.
The following companies have been selected to offer free quotes in Colorado. If multiple companies are listed, it's highly recommended you get rate quotes from several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$236||$294||$352||$20||$106||$1,008||$84|
|F-150 STX Regular Cab 2WD||$214||$372||$474||$28||$142||$1,230||$103|
|F-150 XL Super Cab 2WD||$204||$368||$368||$22||$110||$1,072||$89|
|F-150 XLT Regular Cab 2WD||$114||$200||$338||$20||$100||$772||$64|
|F-150 STX Super Cab 2WD||$202||$372||$330||$20||$98||$1,022||$85|
|F-150 XL Crew Cab 2WD||$266||$432||$426||$26||$128||$1,278||$107|
|F-150 XLT Super Cab 2WD||$236||$382||$338||$20||$100||$1,076||$90|
|F-150 STX Regular Cab 4WD||$234||$368||$396||$24||$118||$1,140||$95|
|F-150 XL Regular Cab 4WD||$252||$304||$460||$28||$138||$1,182||$99|
|F-150 FX2 Super Cab 2WD||$232||$372||$330||$20||$98||$1,052||$88|
|F-150 XLT Crew Cab 2WD||$144||$232||$368||$22||$110||$876||$73|
|F-150 XL Super Cab 4WD||$260||$462||$396||$24||$118||$1,260||$105|
|F-150 XLT Regular Cab 4WD||$192||$236||$460||$28||$138||$1,054||$88|
|F-150 XL Crew Cab 4WD||$340||$462||$474||$28||$142||$1,446||$121|
|F-150 STX Super Cab 4WD||$216||$236||$460||$28||$138||$1,078||$90|
|F-150 XLT Super Cab 4WD||$328||$506||$456||$28||$136||$1,454||$121|
|F-150 FX2 2WD||$264||$448||$396||$24||$118||$1,250||$104|
|F-150 Lariat Super Cab 2WD||$226||$340||$362||$22||$108||$1,058||$88|
|F-150 Lariat Crew Cab 2WD||$240||$416||$456||$28||$136||$1,276||$106|
|F-150 FX4 Super Cab 4WD||$300||$526||$426||$26||$128||$1,406||$117|
|F-150 XLT Crew Cab 4WD||$278||$420||$362||$22||$108||$1,190||$99|
|F-150 FX4 4WD||$330||$536||$358||$22||$108||$1,354||$113|
|F-150 Lariat Crew Cab 4WD||$210||$354||$474||$28||$142||$1,208||$101|
|F-150 SVT Raptor Super Cab 4WD||$162||$282||$396||$24||$118||$982||$82|
|F-150 Lariat Super Cab 4WD||$238||$388||$338||$20||$100||$1,084||$90|
|F-150 Lariat Crew Cab Platinum 2WD||$172||$312||$362||$22||$108||$976||$81|
|F-150 Lariat Crew Cab Harley 2WD||$192||$360||$330||$20||$98||$1,000||$83|
|F-150 Lariat King Ranch 2WD||$182||$384||$456||$28||$136||$1,186||$99|
|F-150 Lariat King Ranch 4WD||$270||$426||$358||$22||$108||$1,184||$99|
|F-150 Lariat Crew Cab Harley 4WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-150 Lariat Crew Cab Platinum 4WD||$182||$350||$396||$24||$118||$1,070||$89|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can alter coverage prices significantly.
Difference between full coverage and liability only rates
The chart below illustrates the difference between Ford F-150 insurance costs with and without full coverage. The costs are based on no accidents or driving violations, $100 deductibles, single female driver, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no definitive rule for phasing out full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let's assume your Ford F-150 book value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying your policy deductible. If you are paying over $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Raise deductibles and save
The information below illustrates how choosing a deductible and can impact Ford F-150 insurance prices for different age groups. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied.
Ford F-150 insurance costs by gender and age
The diagram below compares Ford F-150 auto insurance costs for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Do I need an insurance agency?
A lot of people still prefer to sit down with an agent and often times that is recommended Insurance agents are very good at helping people manage risk and give you someone to call. The best thing about getting free rate quotes online is that you can find cheap auto insurance rates but also keep your business local. Buying insurance from local agents is definitely important in Fort Collins.
To find an agent, once you fill out this quick form, your coverage information is submitted to agents in your area that can provide free Fort Collins car insurance quotes for your insurance coverage. You won't even need to leave your house because quoted prices will be sent instantly to you. If you have a need to compare rates from a particular provider, just jump over to their website and fill out their quote form.
Pick the best car insurance agent in Fort Collins for you
If you prefer to buy auto insurance from a reliable agent, you must know there are a couple different types of agents and how they are slightly different. Agencies in Fort Collins are considered either independent or exclusive depending on the company they work for. Both sell and service auto insurance coverage, but it's a good idea to understand the difference in the companies they write for because it can impact which agent you choose.
Independent Auto Insurance Agents (or Brokers)
Independent agents are not employed by one company so they can insure your vehicles with any number of different companies and find you the best rates. If premiums increase, your agent can just switch to a different company without you having to go to a different agency.
When shopping rates, it's a good idea to contact a couple of independent agencies to have the best price comparison. They often place coverage with small regional insurance companies which may have better rates.
The following is a short list of independent agencies in Fort Collins who may be able to give you free rate quotes.
- Frontier Insurance Group
144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map
- A Adam Sater Agency
1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map
- Fort Collins Insurance Agency, LLC
1730 S College Ave #202 - Fort Collins, CO 80525 - (970) 222-9477 - View Map
Exclusive Insurance Agents
Agents of this type can only place business with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are usually well trained on their company's products which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents partially due to the brand name instead of buying on price only.
Below are Fort Collins exclusive insurance agencies who can help you get price quotes.
- Daryl Alexander - State Farm Insurance Agent
5205 S College Ave - Fort Collins, CO 80525 - (970) 493-2196 - View Map
- Allstate Insurance: Lance Bebout
19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map
- State Farm: Chip Beake
106 E Olive St - Fort Collins, CO 80524 - (970) 482-1936 - View Map
Picking the best auto insurance agent requires more thought than just a low price. These questions are important to ask:
- Does the agency have a current Errors and Omissions policy?
- Will you work with the agent or an assistant?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they feel the quoted coverages are adequate?
- Will their companies depreciate repairs to your car based on the mileage?
Upon receiving answers to your satisfaction to these questions and low cost Ford F-150 insurance quotes, you may have found an insurance agency that meets the requirements to adequately provide auto insurance. Keep in mind you have the power to cancel your policy whenever you choose to so never feel that you are permanently stuck with a specific agent for a certain time period.
Smart consumers save more
A few companies may not have internet price quotes and these regional carriers work with local independent agents. Lower-priced insurance in Fort Collins can be purchased online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.
When searching for low cost Fort Collins car insurance quotes, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to find out they didn't have enough coverage. Your focus should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.
People leave their current company for a number of reasons such as policy non-renewal, high rates after DUI convictions, being labeled a high risk driver or not issuing a premium refund. Whatever your reason, choosing a new company is not as difficult as it may seem.
For more information, feel free to browse these articles:
- Tools for Teen Driving Safety (State Farm)
- Who Has Cheap Car Insurance Quotes for Unemployed Drivers in Colorado? (FAQ)
- What is the Cheapest Car Insurance in Westminster, Colorado? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 4x4 Vehicles in Colorado? (FAQ)
- Who Has the Cheapest Colorado Car Insurance for Teenage Females? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Rollover Crash FAQ (iihs.org)