Shopping for the most affordable Fort Collins Toyota Sequoia insurance quotes online may seem to be challenging for vehicle owners new to comparison shopping over the internet. With such a large choice of insurance companies available, how can anyone have time to compare the different rates to find cheaper car insurance rates?

Discount Toyota Sequoia insuranceSad but true, nearly 70% of customers have purchased from the same company for four years or more, and 38% of drivers have never compared rates with other companies. The average driver in Fort Collins could save an average of almost $605 each year, but they just assume it's a time-consuming process to shop their coverage around.

When quoting car insurance, remember that obtaining a wide range of quotes helps improve the odds of finding the best offered rates.

The providers in the list below have been selected to offer price quotes in Fort Collins, CO. If several companies are displayed, it's highly recommended you visit several of them to get the most competitive price.

Toyota Sequoia Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $162 $282 $368 $22 $110 $944 $79
Sequoia SR/5 4WD $148 $288 $338 $20 $100 $894 $75
Sequoia Limited 2WD $294 $528 $368 $22 $110 $1,322 $110
Sequoia Limited 4WD $422 $792 $474 $28 $142 $1,858 $155
Sequoia Platinum 2WD $434 $740 $460 $28 $138 $1,800 $150
Sequoia Platinum 4WD $308 $616 $474 $28 $142 $1,568 $131
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can impact premium rates substantially.

Policy deductible comparison

A question often asked by Fort Collins drivers is how high should the physical damage coverage deductibles be. The figures shown below can help illustrate the rate differences when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Toyota Sequoia insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $306 $458 $352 $20 $106 $1,267 $106
Sequoia SR/5 4WD $306 $538 $352 $20 $106 $1,347 $112
Sequoia Limited 2WD $342 $538 $352 $20 $106 $1,383 $115
Sequoia Limited 4WD $342 $538 $352 $20 $106 $1,383 $115
Sequoia Platinum 2WD $342 $620 $352 $20 $106 $1,465 $122
Sequoia Platinum 4WD $342 $620 $352 $20 $106 $1,465 $122
Get Your Own Custom Quote Go
Toyota Sequoia insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $250 $368 $352 $20 $106 $1,096 $91
Sequoia SR/5 4WD $250 $434 $352 $20 $106 $1,162 $97
Sequoia Limited 2WD $278 $434 $352 $20 $106 $1,190 $99
Sequoia Limited 4WD $278 $434 $352 $20 $106 $1,190 $99
Sequoia Platinum 2WD $278 $500 $352 $20 $106 $1,256 $105
Sequoia Platinum 4WD $278 $500 $352 $20 $106 $1,256 $105
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific location which can alter insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $16 more each month or $192 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 16 months between claim filings, you would save money if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): - $99
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that raising deductibles to save money means you will have to pay more of your own money if you have a claim. You need to make sure you have some funds available in the event you have to pay the higher deductible.

Yearly auto insurance costs for men versus women

The example below illustrates the difference between Toyota Sequoia annual premium costs for male and female drivers. The information is based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Higher deductibles save money

The illustration below illustrates how your deductible choice and can increase or decrease Toyota Sequoia insurance rates for different categories of driver ages. The premiums assume a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Fort Collins car insurance discounts

Car insurance is expensive, but there could be available discounts to cut the cost considerably. Most are applied when you quote, but some discounts are required to be inquired about before you get the savings.Cheaper car insurance with discounts

A quick disclaimer, some credits don't apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

To find companies who offer car insurance discounts in Colorado, click this link.

Neighborhood agents and insurance

Some people still like to buy from a local agent and doing so can bring peace of mind One of the best bonuses of price shopping on the web is that you can obtain cheaper prices and still choose a local agent. Buying insurance from local insurance agents is especially important in Fort Collins.

Once you complete this simple form, the quote information is transmitted to local insurance agents in Fort Collins who will gladly provide quotes for your business. There is no need to drive around since price quotes are sent to the email address you provide. You can find better rates and a licensed agent to talk to. If you want to compare prices from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.

Different types of Fort Collins car insurance agents

If you're trying to find a reputable agency, it's important to understand the types of agencies and how they can quote your rates. Insurance policy providers are classified as either exclusive agents or independent agents.

Independent Insurance Agents

Agents of this type can quote rates with many companies and that allows them to write policies with a variety of different insurance companies and find you cheaper rates. If premiums increase, they simply move the coverage in-house and you don't have to find a new agent. If you are comparing insurance prices, it's a good idea to include rate quotes from several independent agencies to have the most options to choose from. Most can insure with mutual insurance companies that may provide cheaper insurance rates.

Shown below are Fort Collins independent agencies that may be able to provide pricing information.

More Fort Collins agents

Exclusive Insurance Agents

Exclusive insurance agents can usually just insure with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies receive extensive training on sales techniques and that allows them to sell at a higher price point. Consumers sometimes use the same exclusive agent primarily because of the prominence of the brand and strong financial ratings.

Listed below are exclusive agents in Fort Collins who can help you get comparison quotes.

More Fort Collins agents

Picking an insurance agent shouldn't rely on just a cheap price quote. These are some questions you should get answers to.

Smart Buyers Know How to Get Car Insurance More Affordably

When buying car insurance it's important to understand a few of the rating criteria that aid in calculating car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to better car insurance rates.

Listed below are some of the factors utilized by car insurance companies to help set prices.

Insurance is not optional in Colorado

Despite the high cost, buying insurance may be mandatory for several reasons.

The benefits of carrying adequate insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is wasting up to $830 a year so compare quotes from several companies at every renewal to help ensure money is not being wasted.

Shop around and save

As you go through the steps to switch your coverage, make sure you don't reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best cost while still protecting your assets.

Cheaper Toyota Sequoia insurance in Fort Collins can be purchased on the web and with local Fort Collins insurance agents, so you need to quote Fort Collins auto insurance with both to have the best selection. Some insurance providers don't offer price quotes online and usually these smaller providers provide coverage only through independent agents.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims or delays in responding to claim requests. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

Helpful resources