When trying to find an insurance agent in Fort Collins, CO, it’s recommended you do the preliminary legwork on the web rather than looking in the yellowpages. Consumers need a friendly agent, and also competitive car insurance rates.
Drivers have so many auto insurance agents to purchase coverage from, and even though it’s nice to have multiple companies, it makes it harder to find the lowest rates.
Car Insurance from Fort Collins insurance agents
Educated insurance agents can answer important questions and help you file claims. One of the best bonuses of price shopping on the web is you may find the best rates and still choose a local agent.
For easy comparison, once you complete this quick form, the coverage information is instantly submitted to local insurance agents who will return price quotes to get your business. You never need to even leave your home since price quotes are sent directly to your email. How’s that for easy! You can find better rates and an insurance agent to talk to.
Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- Is working in the agency their full-time job?
- Does the agency support the community they serve?
- Do they carry Errors and Omissions coverage?
- If you have an accident, will your rates go up?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is the agent and/or agency licensed to do business in Colorado?
- What insurance companies do they recommend if they are an independent agent?
Different types of Fort Collins auto insurance agents
When researching a reputable insurance agent or broker, you must know there are a couple different types of agents from which to choose. Insurance agencies in Fort Collins are categorized either captive or independent (non-captive).
Captive Insurance Agents
This type of agents can only place business with one company and some examples include AAA, Allstate and State Farm. These agents are not able to shop your coverage around so they have no alternatives for high prices. Captive agencies are trained well on their products and sales techniques which can be an advantage.
Below are captive agencies in Fort Collins who may provide you with price quote information.
American Family Insurance – 149 W Harvard St – Fort Collins, CO 80525 – (970) 377-0676
Farmers Insurance Group – 2020 S College Ave # A3 – Fort Collins, CO 80525 – (970) 493-9320
Liberty Mutual Insurance – 2100 W Drake Rd – Fort Collins, CO 80526 – (970) 493-6546
Colorado Farm Bureau Insurance – 335 E Mountain Ave – Fort Collins, CO 80524 – (970) 482-3952
State Farm Insurance – 2601 S Lemay Ave # 17 – Fort Collins, CO 80525 – (970) 223-7800
Allstate Insurance – 1008 Driftwood Dr # B – Fort Collins, CO 80525 – (970) 204-1100
Shelter Insurance – 220 W Prospect Rd # C – Fort Collins, CO 80526 – (970) 484-7505
Independent Insurance Agents
Independent agencies are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.
When shopping rates, you should always contact multiple independent agents to get the best comparison.
Shown below are independent insurance agencies in Fort Collins willing to provide price quotes.
Sentry Insurance Co – 344 E Foothills Pkwy # 7e – Fort Collins, CO 80525 – (970) 226-0428
Larry Peterson Agency Inc – 149 W Harvard St # 102 – Fort Collins, CO 80525 – (970) 229-9393
Taylor Family Agency – 4412 E Mulberry St – Fort Collins, CO 80524 – (970) 493-2847
Daniel B Richmond Agency Inc – 923 E Prospect Rd – Fort Collins, CO 80525 – (970) 484-2881
Roger Shea Insurance Svc – 320 W Olive St – Fort Collins, CO 80521 – (970) 224-2500
For a complete listing of insurance agents in Fort Collins, visit this site.
Upon receiving good answers to any questions you have and an affordable coverage quote, it’s possible that you found an auto insurance agent that can service your policy.
But what about buying insurance online?
Insurance agents are perfect for certain consumers, but you also have the option of buying Colorado car insurance direct from companies online. Certain auto insurance companies who employ agents also let you quote and buy online, and that is helpful if you are the do-it-yourself type.
If you’re uneasy about having to choose coverages yourself when buying car insurance direct, that shouldn’t be an issue. Companies provide phone numbers and online resources for getting the best coverage.
Do customers save by switching to an online company? It’s difficult to say for sure because there are many factors that determine your policy premium. It’s a common assumption that a customer who purchases direcly from an online company saves money by not requiring a commission. But in most cases, there are high advertising and marketing costs and this tends to eat up any savings.
More Colorado car insurance information
More tips and info about car insurance is available at the Colorado DORA Division of Insurance website. Visitors are able to view agent and company licensing information, read industry bulletins, and discover disciplinary actions.
A tidy conclusion
When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate.
Cost effective car insurance is definitely available from both online companies and also from your neighborhood Fort Collins agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.