Fort Collins car and truck Insurance Agency

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Finding the best auto insurance in Fort Collins shouldn't be a guessing game. At Insurance Specialties Ltd., we provide a service most "big brand" agents can’t: choice. We compare leading carriers like Progressive and Geico (partnered since 2025) to find the specific coverage that fits your budget and your vehicle.

Whether you're a student at CSU, a family in Fossil Creek, or a commuter heading from Wellington to Denver, we shop the market to ensure you aren't overpaying for protection.

As a local independent agency, we understand the unique driving conditions in Northern Colorado. We don’t just sell policies; we build protection for:

• Hail Damage Restoration: In Colorado, hail is a "when," not an "if." We ensure your Comprehensive coverage is set up correctly to handle our unpredictable storms.
• Mountain Driving Protection: From animal collisions on the way to Estes Park to winter weather on I-25, we provide the roadside assistance and glass coverage you need.
• SR22 Filings: We are specialists in Colorado SR22 insurance, helping you file necessary paperwork with the DMV and get back on the road legally.

Most people ask, "Is Geico or Progressive cheaper in Colorado?" The truth is, it depends on your driving record, your age, and your zip code.

• Geico is often the leader for military discounts and clean driving records.
• Progressive often wins for high-risk drivers, those with a DUI, or those needing Gap Insurance for a new car.

We do the math for you. By running your quote through both systems simultaneously, we find the "sweet spot" where coverage meets affordability.

We help you stack discounts to drive your premium down further:

• Multi-Policy: Bundle your Fort Collins car insurance with your home or motorcycle policy.
• Telematics Savings: Save up to 30% with programs like Progressive Snapshot or Geico DriveEasy.
• Safe Student: Discounts for CSU and local high school students with good grades.
• Homeowner Discount: Even if your home isn't insured with us, being a homeowner can lower your auto rate.

Our office is located in Fort Collins, but we are licensed to serve the entire state. We regularly provide quotes for drivers in: Loveland | Greeley | Windsor | Timnath | Wellington | Longmont | Boulder | Berthoud

Stop wondering if you're getting the best deal. Let a local Fort Collins insurance agent shop the top carriers for you.