As a local insurance agency, we know the challenges that Fort Collins, Colorado drivers face when it comes to finding reliable, cheap car insurance.  We are here to bridge that gap by providing you with personalized insurance quotes from top-rated insurance companies. With just a few clicks, you can compare and save on your car insurance in Fort Collins, Colorado.  Start right now by filling out our simple text box in the lower right and receive multiple quotes tailored to your specific needs. Let us help you find the best Fort Collins car insurance policy at the most affordable price.

• Our car insurance agents are locals who understand the unique insurance needs of Fort Collins, Colorado vehicle owners.
• We have been in business for years and have extensive knowledge of the insurance industry.
• We work with only the top-rated insurance companies including Progressive, Safeco, Foremost, and more to ensure that you get the best coverage at the lowest rates.
• We provide a personalized service and are always available to answer any questions or concerns you may have regarding your car insurance.
•  We offer a variety of discounts to help you save even more on your car insurance premiums.

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident
• $15,000 property damage coverage per accident

Minimum coverage may not be enough to fully protect you in case of an accident. 

Our agents will work with you to determine the appropriate levels of coverage based on your individual driving habits and needs.

The cost of car insurance in Fort Collins, Colorado, is approximately $1,723 per year. However, keep in mind that insurance rates can vary significantly based on several factors, including:

This is quite self-explanatory - the more expensive your car is, the higher your insurance rates will likely be. This is because it would cost more to repair or replace a high-value vehicle in case of an accident.

Insurers pay close attention to your driving claims history as it is a clear indication of your risk profile. Normally, they review your claims history for the past 3-5 years. If you have a history of frequent claims, insurers may consider you a high-risk driver, leading to higher insurance premiums. On the contrary, a clean driving record with few or no claims can often lead to lower insurance rates, as it indicates responsible driving behavior.

Drivers who are under 25 years old typically have higher insurance rates due to their lack of driving experience. On the other hand, drivers over the age of 55 may qualify for discounts as they are considered low-risk drivers.

Your credit score can also play a significant role in determining your car insurance rates. Insurance companies often use credit ratings to assess risk and determine premiums, as studies have shown a correlation between lower credit scores and increased likelihood of filing claims.

We have made a name for ourselves by not only linking drivers with the best insurance premiums but also offering a wide range of discounts to help you save even more on your car insurance. Some of our popular discounts include:

• Multi-Policy Discount: Bundle your car insurance with other policies, such as home or renters’ insurance, and receive a discount on your premiums.
• Good Student Discount: If you are a student with good grades, you may qualify for a discount on your car insurance rates.
• Safe Driver Discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Anti-Theft Device Discount: Installing anti-theft devices in your car can lower the risk of theft and potentially earn you a discount on your premiums.
• Defensive Driving Course Discount: Completing a defensive driving course can not only improve your driving skills but also earn you a discount on your car insurance rates.

These are just some of the discounts we offer. Be sure to ask about other potential discounts that you may qualify for, such as low mileage or hybrid vehicle discounts. Saving money on car insurance has never been easier with Fort Collins Car Insurance.

Ready to find the best car insurance rates in Fort Collins? It's simple – just fill out our online form and receive multiple quotes from top-rated insurance companies. You can easily compare coverage options and premiums to find the best policy for your specific needs and budget. 

Our process is fast, easy, and completely free.