Insurance quote for Honda Accord in Fort CollinsDo you need a better way to compare lower-priced Honda Accord insurance in Fort Collins? Having to pay for overpriced auto insurance in Fort Collins can dwindle your personal savings and force you to make tough financial choices. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

It's hard to believe, but most drivers renewed their policy with the same company for at least the last four years, and nearly half have never shopped around. Many drivers in Fort Collins could save about $605 every year, but they just don't want to compare rates online. Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive cheapest price on Honda Accord insurance in Fort Collins.

Smart consumers take time to do price comparisons every six months due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the best rates on Honda Accord insurance in Fort Collins on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to learn the things you must know in order to properly buy coverages while reducing your premium.

Discounts for affordable car insurance quotes

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but some need to be asked about in order for you to get them.Discount car insurance

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way. But all discounts will cut your premiums.

To locate insurers with discount rates in Fort Collins, click here.

Getting a cheaper price on Honda Accord insurance is actually quite simple. Just take time comparing rate quotes online from several insurance companies.

Comparison shopping rates online is easy and it replaces the need to go to insurance agencies in your area. Doing it all online makes this process obsolete unless you have a complicated situation and need the professional assistance only provided by licensed Fort Collins agents. However, consumers can obtain prices from the web but have a local agent actually write the policy.

The companies shown below have been selected to offer price comparisons in Colorado. If multiple providers are shown, we suggest you visit as many as you can to get a more complete price comparison.

Honda Accord Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $256 $440 $304 $18 $92 $1,110 $93
Accord LX 4-Dr Sedan $220 $304 $392 $24 $118 $1,058 $88
Accord EX 4-Dr Sedan $232 $432 $362 $22 $108 $1,156 $96
Accord LX-P 4-Dr Sedan $230 $368 $304 $18 $92 $1,012 $84
Accord LX-P 4-Dr Sedan $126 $232 $338 $20 $102 $818 $68
Accord EX-L 4-Dr Sedan $212 $388 $286 $16 $86 $988 $82
Accord EX 2-Dr Coupe $302 $644 $396 $24 $118 $1,484 $124
Accord LX-S 2-Dr Coupe $260 $630 $448 $26 $134 $1,498 $125
Accord EX-L 2-Dr Coupe $184 $332 $404 $24 $122 $1,066 $89
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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 multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in specific Fort Collins garaging location which can raise or lower prices significantly.

Males versus Females

The chart below compares Honda Accord annual premium costs for male and female drivers. The costs are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Analysis of deductible levels

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The comparison tables below sum up how much more you'll pay between high and low physical damage deductibles. The first set of rates uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord EX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX-P 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX-P 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord EX-L 4-Dr Sedan $272 $458 $298 $18 $90 $1,161 $97
Accord EX 2-Dr Coupe $272 $538 $396 $24 $118 $1,373 $114
Accord LX-S 2-Dr Coupe $272 $538 $396 $24 $118 $1,373 $114
Accord EX-L 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
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Honda Accord insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $146 $236 $298 $18 $90 $788 $66
Accord LX 4-Dr Sedan $146 $236 $298 $18 $90 $788 $66
Accord EX 4-Dr Sedan $146 $236 $298 $18 $90 $788 $66
Accord LX-P 4-Dr Sedan $146 $236 $298 $18 $90 $788 $66
Accord LX-P 4-Dr Sedan $146 $236 $298 $18 $90 $788 $66
Accord EX-L 4-Dr Sedan $168 $288 $298 $18 $90 $862 $72
Accord EX 2-Dr Coupe $168 $340 $396 $24 $118 $1,046 $87
Accord LX-S 2-Dr Coupe $168 $340 $396 $24 $118 $1,046 $87
Accord EX-L 2-Dr Coupe $190 $340 $396 $24 $118 $1,068 $89
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 multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can decrease or increase premiums substantially.

We can derive from the above data that using a $250 deductible costs an average of $23 more each month or $276 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 33 months between claim filings, you would probably be better off by selecting a higher deductible.

Honda Accord liability-only versus full coverage

The chart below illustrates the difference between Honda Accord insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or driving violations, $100 deductibles, married female driver, and no discounts are taken into consideration.

When to stop buying full coverage

There is no exact rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Honda Accord book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If you are paying in excess of $200 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Do I need an insurance agent?

Some consumers just prefer to sit down with an agent and that can be a smart move Agents can help you build your policy and will help you if you have claims. One of the great benefits of getting online price quotes is that you can find cheap rate quotes and also buy local.

To find an agent, once you fill out this simple form, the coverage information is transmitted to participating agents in Fort Collins who will give competitive quotes and help you find cheaper coverage. You never need to find an agent since rate quotes are delivered to you directly. If for some reason you want to compare rates from a specific insurance company, just go to their quote page and submit a quote form there.

Finding the right insurance company should depend on more than just a low price. A good agent in Fort Collins will have answers to these questions.

Exclusive agents vs. Independent agents

If you want to use a local Fort Collins insurance agent, it's important to understand the types of agencies that you can select. Fort Collins agents can be classified as either independent agents or exclusive agents. Either one can provide insurance policies, but it is important to understand the difference in the companies they write for since it could factor into your selection of an agent.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only write with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on what they offer which helps offset the inability to provide other markets.

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


2000 S College Ave #210 - Fort Collins, CO 80525 - (970) 229-9393 - View Map


1200 S College Ave #302 - Fort Collins, CO 80524 - (970) 449-4271 - View Map


2601 S Lemay Ave #36 - Fort Collins, CO 80525 - (970) 223-7800 - View Map

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Independent Insurance Agencies

Agents that choose to be independent are not limited to a single company so they can write business with lots of companies and get the cheapest rates. If they quote lower rates, they can switch companies in-house without you having to go to a different agency.

When shopping rates, you will want to check rates from at least one independent agent for the best price selection.

Below are independent agents in Fort Collins that can give you comparison quotes.

Fort Collins Insurance Agency, LLC
1730 S College Ave #202 - Fort Collins, CO 80525 - (970) 222-9477 - View Map


4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map


1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map

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Cheap car insurance rates are possible

More affordable car insurance in Fort Collins is definitely available both online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get quotes online and usually these regional carriers work with independent insurance agencies.

As you quote Fort Collins car insurance, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to regret they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

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