Has it been a year or more since you last compared quotes for cheaper Ford Fusion insurance in Fort Collins? If you've never shopped for Fort Collins auto insurance quotes online, you can be bewildered because of the huge number of local and online companies that all say they have the best rates for Ford Fusion insurance in Fort Collins.

Insurance rates Ford Fusion in Fort CollinsAstonishing but true according to a recent study, almost 70% of insureds kept their coverage with the same insurance company for at least the last four years, and approximately 40% of consumers have never compared rates from other carriers. Many consumers in Colorado could save about $610 a year, but they mistakenly think it's difficult to find affordable insurance rates.

It's a good habit to quote other rates at least once a year because insurance prices are usually higher with each renewal. Just because you found the lowest rate on Ford Fusion insurance in Fort Collins six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because you're going to learn the easiest way to find better rates and still maintain coverage.

Seven factors that affect insurance costs

It's important that you understand the rating factors that come into play when calculating the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could help you find cheaper rates.

The best way to compare insurance rates from multiple companies is to know the fact most larger insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is provide a small amount of information such as how old drivers are, if it has an anti-theft system, whether the vehicles are used for commuting, and an estimate of your credit level. Those rating factors is instantly provided to many different companies and you will get price comparisons instantly.

To find lower lower-cost Ford Fusion insurance rates now, click here and complete the form.

The companies shown below are ready to provide free quotes in Fort Collins, CO. If several companies are displayed, it's highly recommended you get prices from several of them to get the lowest price.

Ford Fusion Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $172 $314 $338 $20 $100 $944 $79
Fusion SE 4-Dr Sedan $306 $538 $352 $20 $106 $1,322 $110
Fusion Hybrid 4-Dr Sedan $250 $500 $440 $26 $132 $1,348 $112
Fusion SEL 4-Dr Sedan $378 $792 $474 $28 $142 $1,814 $151
Fusion Sport 4-Dr Sedan $238 $458 $338 $20 $100 $1,154 $96
Fusion SEL AWD 4-Dr Sedan $192 $360 $362 $22 $108 $1,044 $87
Fusion Sport AWD 4-Dr Sedan $294 $608 $396 $24 $118 $1,440 $120
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific location information which can decrease or increase auto insurance rates considerably.

Auto insurance premiums based on gender

The illustration below shows the comparison of Ford Fusion insurance prices for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied.

Is there truth in advertising?

Popular auto insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim that you can save if you switch your coverage to them. How can each company sell you cheaper insurance coverage? You have to listen carefully.

Insurance companies quote their best rates for the driver that earns them the highest profit. For example, a desirable insured might be between the ages of 30 and 50, has few claims, and insures a new vehicle. Anybody that hits that "sweet spot" will get low rates and is almost guaranteed to cut their rates substantially.

Potential customers who fall short of these stringent criteria may be required to pay higher premiums with the end result being business not being written. The ads state "customers that switch" not "everyone who quotes" save that kind of money. That's why companies can state the savings. Because of these techniques, drivers must get a wide range of price quotes. Because you cannot predict with any certainty which company will have the best prices at this point in time.

Why you need vehicle insurance in Colorado

Even though Fort Collins Fusion insurance rates can get expensive, maintaining insurance serves a purpose in several ways.

The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is wasting up to $800 each year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Cheaper Ford Fusion insurance rates in Fort Collins

Companies do not advertise every policy discount very well, so the list below details some of the best known and the harder-to-find credits available to lower your premiums when you buy Fort Collins auto insurance online.Discount insurance

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you aren't that lucky.

Companies that possibly offer these money-saving discounts are:

It's a good idea to ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in Fort Collins. To see providers who offer free Ford Fusion insurance quotes in Colorado, click here.

Buying from insurance agents

Some consumers would rather get professional advice from a licensed agent and that is a personal choice. A good thing about comparing car insurance online is you may find the lowest rates and still have a local agent.

After completing this form (opens in new window), your coverage information gets sent to participating agents in Fort Collins that give free quotes to get your business. There is no need to drive around because quoted prices will be sent to you instantly. You'll get the best rates and an insurance agent to talk to. If you need to get a price quote from a specific company, you just need to search and find their rate quote page and give them your coverage information.

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

Types of car insurance agents

If you would like to find local Fort Collins agents, there are a couple of types of agencies to choose from. Car insurance agents can be described as either exclusive or independent.

Exclusive Car Insurance Agencies

Exclusive agents write business for a single company like American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company's products and that allows them to sell at a higher price point. Many people buy from the same agent for years mainly due to the brand legacy rather than low rates.

Shown below is a list of exclusive agencies in Fort Collins willing to provide price quotes.

More Fort Collins agents

Independent Agencies or Brokers

Independent agencies are not employed by any specific company and that gives them the ability to insure amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply switch companies in-house and the insured can keep the same agent. If you are comparing rate quotes, it's recommended you get quotes from a few independent agents to get the most accurate price comparison. A lot of them also have access to mutual insurance companies that can offer cheaper rates than bigger companies.

Below are independent agents in Fort Collins that are able to give rate quotes.

More Fort Collins agents

If you get good feedback for all questions you ask and a good coverage price, you've probably found an auto insurance agent that meets the criteria to provide car insurance coverage.

How much can you save?

Lower-priced Ford Fusion insurance in Fort Collins is possible from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and usually these smaller providers only sell coverage through local independent agents.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, lack of trust in their agent and poor customer service. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

When getting Fort Collins auto insurance quotes online, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best cost, not the least amount of coverage.

More resources