Fort collins Auto insurance

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The Truth about fort collins car insurance rates

Fort Collins has some of the lowest auto insurance rates in colorado

As shown below in a recent study, Fort Collins ranks as one of the lowest in the state for auto insurance rates. There are many factors that are included in this and individual rates will vary. Get a free quote today to find out how low your Fort Collins Car Insurance rates can be!

Car Insurance Discounts

We encourage you to quote your auto and FoCo Homeowners Insurance policies at the same time.
This will allow our agents to apply Multi-Line Discounts to both your car insurance and home insurance quotes.
And…save an additional 10% to 20% off your insurance costs.

Cheapest Car Insurance in Northern Colorado


When you are in need of auto insurance many questions come to mind.
The main question people would like answered is, how can you get the best rate with the right amount of coverage. NoCo Auto Insurance Quotes is the best place for you to find answers to this and many more questions. Car Insurance Quotes will allow you to receive quick and free quotes from the best auto insurance providers in your area. We can give you the ability to look at many different companies and compare their coverage plans. We do all of this to benefit your needs and offer some peace of mind.

The Right Car Insurance Plan for You


It’s not just about the auto insurance rates. Fort Collins Car insurance quotes promises to help you find auto coverage that works best for you. No matter if you have a flawless or questionable driving record. We will provide you a list of affordable insurance providers that will give you the following coverage options and help you make the right decisions for your personal insurance needs.

Car Insurance Declaration Sections


  • Liability Coverage
  • Collision\Comprehensive
  • Uninsured\Underinsured Motorist
  • Full Glass Replacement
  • Towing\Roadside Assistance
  • Deductibles
  • Multi-Line Discounts

Get Quotes from Top Auto Insurance Companies in FoCo.

Get Quotes from Top Car Insurance Companies that insurance in Fort Collins. We offer one of the fastest ways to get car insurance quotes. Compare multiple insurance companies and quotes easily in one place. You have a unique need for automobile insurance. Your is a mandatory insurance state. Although, this should never be a driving factor in your decision to purchase or keep continuous car insurance. One of the reasons you should consider not going without auto insurance is your income. If found liable for an accident, you could put your current and future income in jeopardy. Auto owners need to protect themselves, their families, their vehicles, their assets and their income. With the help of Insurance Quotes’ system, you will find the insurance you need to protect you and your family. Your laws, state that car insurance is required to operate a vehicle on public roadways or highways. There are no loopholes to having car insurance. Drivers spend a good portion of their day traveling around town, to work, to the store in their cars. Even the most cautious defensive driver is susceptible to having an accident or collision.

Fort COllins Auto Insurance 101 

Having auto insurance in Fort Collins protects the policyholder against losses involving automobiles. Different amounts of coverage can be purchased depending on the requirements of the person purchasing the insurance. Auto insurance rates are determined by a variety of factors which often differ from insurance company to insurance company. There are basically seven different types of coverage available. Some of these are required by law, while others are optional. They are: 

  • Bodily injury liability: This is for injuries the policyholder causes to someone else. The part of an auto insurance policy that pays for injuries you may cause another driver or pedestrian. It includes medical expenses and loss of wages.
  • Medical payments: This is for treatment of injuries to the driver and passengers of the policyholder’s car. This part of an auto insurance policy pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection (PIP).
  • Property damage liability: This is for damage the policyholder causes to someone else’s property. The part of an auto insurance policy that pays for damages you may cause to another’s car or property.
  • Collision: This is for damage to the policyholder’s car from a collision. The part of an auto insurance policy that pays to get your car repaired after a collision with another vehicle or an object, such as a fire hydrant or utility pole. It is collision insurance that will get your insurance company to seek out another driver’s insurance company to pay for repairs if they were at fault. A deductible amount will apply.
  • Comprehensive: This is for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, riots, and theft). This part of an auto insurance policy covers damages to your car caused by something other than a crash: a vandal breaks in, a tree falls on it or floodwaters engulf it. A deductible amount will apply.
  • Uninsured motorists coverage: This is for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance. This part of an auto insurance policy covers injuries to you caused by a driver without enough insurance to pay for your medical expenses. Some states include damages to your car in this coverage.
  • Underinsured motorists coverage: This is for costs resulting from an accident involving a driver who does not have enough insurance. This part of an auto insurance policy covers injuries to you caused by a driver without insurance. Most states require drivers to carry uninsured motorist coverage. Some states include damages to your car in this coverage.

Other useful auto insurance terms:

  • Auto insurance score: Like a credit score, this score is based on information found in a consumer’s credit file. Insurance companies consider auto insurance scores when pricing policies. Having black marks on your credit report could really bump up your auto insurance costs.
  • Binder: A temporary insurance contract that provides proof of coverage until a permanent policy can be issued.
  • Declarations page: The front page of an auto insurance policy listing the name of your insurance company, your policy number, your coverage, the cost of the coverage and your deductibles. This page also lists the vehicles insured on the policy as well as vehicle identification numbers (VIN).
  • Liability insurance: This part of an auto insurance policy covers the injuries and damage you cause to other drivers and their vehicles when you are at fault in an accident. If you are taken to court, liability coverage will apply to your legal costs. Most states require drivers to carry liability coverage. The amount of coverage varies by state.
  • Limits: The maximum amount of benefits your insurer will pay for a loss as designated in your insurance policy.
  • Premium: The amount charged for an insurance policy. A premium is based on the type and amount of coverage you choose. Other factors affecting your insurance premium include your age, marital status, your driving and credit records, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company.
  • Rental reimbursement: This part of a policy pays for the cost of a similar-sized rental car when your car is in a repair shop for covered damage.
  • Surcharge: A charge added to your auto policy premium after a traffic violation or an accident in which you were at fault.

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