Shocking but true, most auto insurance buyers in Colorado have been with the same company for a minimum of four years, and just short of a majority have never compared auto insurance rates at all. With the average premium in the United States being $1,847, drivers can cut their rates by approximately $860 a year by just comparing quotes, but they just assume it’s a time-consuming process to compare rates and save money.
The best way to get cheaper auto insurance rates in Colorado Springs is to start comparing rates regularly from providers who sell auto insurance in Colorado.
First, gain an understanding of auto insurance and the measures you can control to prevent expensive coverage. Many rating factors that cause rate increases such as traffic violations, accidents, and poor credit can be remedied by paying attention to minor details. Keep reading for ideas to prevent expensive rate increases and find overlooked discounts.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers.
Third, compare the price quotes to your current policy to see if a cheaper price is available in Colorado Springs. If you find a better price and make a switch, make sure there is no coverage gap between policies.
One thing to remember is to try to use the same level of coverage on each quote request and and to get quotes from every insurance company. This helps ensure a fair price comparison and the best price selection.
If you are already insured or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. The goal of this article is to help educate you on how to effectively get price quotes and how you can save the most money. You just have to know the best way to compare prices from many different companies online.
Companies offering Ford F-350 insurance in Colorado Springs
The providers in the list below have been selected to offer comparison quotes in Colorado Springs, CO. In order to find cheap auto insurance in Colorado Springs, we suggest you visit several of them to get a more complete price comparison.
Ford F-350 insurance analysis
The premium table below covers detailed analysis of prices for Ford F-350 models. Having a better understanding of how insurance prices are formulated can help customers make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$388||$644||$690||$40||$206||$1,968||$164|
|F-350 XL Super Cab 4WD||$388||$644||$690||$40||$206||$1,968||$164|
|F-350 XL Super Cab 2WD||$434||$546||$460||$28||$138||$1,606||$134|
|F-350 Super Cab Cabela Package 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 Super Cab Cabela Package 2WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-350 XL Crew Cab 2WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-350 Crew Cab Harley Edition 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 Super Cab Harley Edition 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 Crew Cab King Ranch 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 XLT Crew Cab 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 XL Super Cab Turbo Diesel 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 XLT Super Cab 4WD||$434||$644||$690||$40||$206||$2,014||$168|
|F-350 XLT Super Cab 2WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-350 XL Crew Cab Cabela Package 2WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-350 XL Crew Cab King Ranch 2WD||$434||$644||$460||$28||$138||$1,704||$142|
|F-350 Crew Cab Lariat 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 Crew Cab Cabela Package 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 XL Crew Cab Turbo Diesel 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 Super Cab Lariat 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 XLT Super Cab Turbo Diesel 4WD||$434||$740||$690||$40||$206||$2,110||$176|
|F-350 Super Cab Lariat 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 XL Super Cab Turbo Diesel 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 Super Cab Harley Edition 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 XLT Crew Cab 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 XLT Crew Cab Lariat 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 XLT Crew Cab Harley Edition 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 XL Crew Cab Turbo Diesel 2WD||$478||$644||$460||$28||$138||$1,748||$146|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 Super Cab Harley Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 Super Cab Harley Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 Super Cab XLT Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$478||$740||$690||$40||$206||$2,154||$180|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$478||$740||$460||$28||$138||$1,844||$154|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can revise premiums substantially.
The information below illustrates how choosing a deductible and can raise or lower Ford F-350 insurance rates for different ages of insureds. The data assumes a single male driver, full coverage, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The diagram below illustrates the difference between Ford F-350 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The costs are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no specific rule for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Ford F-350 claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 annually for full coverage, then you may want to consider only buying liability coverage.
There are some conditions where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Reduce Insurance Rates with These Tips
Many factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your continuous coverage or how financially stable you are. The best way to find cheaper insurance is to take a look at the factors that aid in calculating your premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that can help you get cheaper rates.
Women tend to cost less – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that females are better drivers. Females and males have accidents in similar numbers, but the males cause more damage. Men also statistically have more aggressive citations such as reckless driving.
The diagram below compares Ford F-350 car insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.
- Get hitched and pay less – Having a significant other can actually save you money on your insurance policy. Having a significant other demonstrates that you tend to be more mature and it’s statistically proven that drivers who are married are more cautious.
- Liability protection risk factors – Liability coverage is the coverage that protects you in the event that you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
- Keep prices low by being claim-free – If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies in Colorado give better rates to people who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Insurance loss data for a Ford F-350 – Insurance companies study historical loss data to help calculate a profitable premium rate. Vehicles that the data shows to have higher claim frequency or loss amount will cost more to insure.
The table below shows the insurance loss data used by companies for Ford F-350 vehicles. For each policy coverage type, the claim amount for all vehicles, as an average, is represented as 100. Percentage values below 100 represent a good loss history, while values that are above 100 point to more losses or tendency to have larger claims.
Ford F-350 Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford F-350 4WD 78 54 Ford F-350 SuperCab 4WD 66 90 98 Ford F-350 SuperCrew 2WD 108 232 Ford F-350 SuperCrew 4WD 96 134 179 47 44 90BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
These discounts can lower your car insurance quotes
Some insurance providers don’t list every discount in an easy-to-find place, so below is a list some of the more common as well as some of the hidden discounts you could be receiving when you buy Colorado Springs auto insurance online.
- Drive Less and Save – Keeping the miles down on your Ford can qualify you for cheaper rates.
- Theft Deterrent Discount – Cars with anti-theft systems are less likely to be stolen and will qualify for a discount on a Colorado Springs auto insurance quote.
- Student Driver Training – Cut your cost by having your teen driver successfully take a driver’s education course if offered at their school.
- Own a Home – Owning a house in Colorado Springs may trigger a policy discount on car insurance because it shows financial diligence.
- Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction but check with your company.
- Good Driver Discount – Safe drivers can pay as much as 50% less than drivers with accidents.
- Life Insurance – Select insurance carriers reward you with a discount if you purchase auto and life insurance together.
- Paperless Signup – A few larger companies may give you up to $50 for buying your policy on the internet.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
- Telematics Data – Insureds who allow driving data collection to analyze vehicle usage remotely such as State Farm’s In-Drive may see discounts if they are good drivers.
Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.
The diagram below illustrates the difference between Ford F-350 auto insurance rates with and without discounts applied to the rates. The rates are based on a female driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, marriage, and safe-driver discounts applied.
If you would like to view companies who offer cheap Ford F-350 insurance quotes in Colorado Springs in Colorado, click here.
Buying from auto insurance agents
Certain consumers prefer to talk to a local agent and doing so can bring peace of mind Insurance agents are trained risk managers and help in the event of a claim. One of the great benefits of comparing auto insurance online is you may find cheap rate quotes and still have an agent to talk to.
After filling out this quick form, your coverage information gets sent to agents in your area that can give you free Colorado Springs auto insurance quotes for your business. You won’t need to find an agent since price quotes are sent to you directly. If you wish to compare rates for a specific company, you just need to navigate to their website and submit a quote form there.
Selecting a insurer should depend on more than just a cheap price. Here are some questions you should ask.
- Do they have designations such as AIC, CPCU, or CIC?
- Do the companies they represent have a solid financial rating?
- Can glass repairs be made at your home?
- Which members of your family are coverage by the policy?
- Did they already check your driving record and credit reports?
- Will the agent or a CSR service your policy?
- Are claim adjusters local or do you have to take your car somewhere else?
The difference between Colorado Springs car insurance agents
When researching a reputable insurance agent or broker, it’s important to understand the different types of agents and how they can write your policy. Auto insurance agents in Colorado Springs are considered either exclusive or independent agents depending on their company appointments. Both types can write auto insurance policies, but it’s worth mentioning the differences since it could factor into buying decisions.
These agents can only place business with one company such as American Family, State Farm, and AAA. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Consumers often choose to use a exclusive agent primarily because of the brand legacy instead of buying on price only.
Listed below is a short list of exclusive insurance agencies in Colorado Springs that can give you price quote information.
- Peter Martinez – State Farm Insurance Agent
106 N Circle Drive – Colorado Springs, CO 80909 – (719) 633-0300 – View Map
- Bob Scofield – State Farm Insurance Agent
1923 W Colorado Ave – Colorado Springs, CO 80904 – (719) 578-1111 – View Map
- Dave Beadles – State Farm Insurance Agent
308 W Fillmore St #106 – Colorado Springs, CO 80907 – (719) 632-5433 – View Map
Independent Agents (or Brokers)
Agents in the independent channel do not have single company limitations so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If premiums increase, the business is moved internally and you can keep the same agent.
When comparing auto insurance rates, you need to get several quotes from multiple independent agents to ensure the widest selection of prices. Many can place coverage with less well-known companies which may provide better rates.
Listed below are independent agencies in Colorado Springs who can help you get rate quotes.
- Southern Colorado Insurance Center
4390 Academy Blvd N – Colorado Springs, CO 80918 – (719) 329-4441 – View Map
- Benson Insurance Group, LLC
5155 N Academy, #110 – Colorado Springs, CO 80918 – (719) 622-3079 – View Map
- Nationwide Insurance: Jeffrey Lloyd Sudermann Agency
6455 N Union Blvd #104 – Colorado Springs, CO 80918 – (303) 974-7676 – View Map
If you get good responses to all your questions and an affordable coverage quote, it’s possible that you found an insurance agency that is a good match to insure your vehicles.
Your insurance coverage should be tailored to you
When quoting and choosing a policy for your vehicles, there really isn’t a perfect coverage plan. Each situation is unique.
For instance, these questions may help highlight whether you would benefit from an agent’s advice.
- Does coverage extend to Mexico or Canada?
- Can good grades get a discount?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I have newly-acquired coverage?
- What is covered by UM/UIM coverage?
- Is business equipment covered while in my vehicle?
- Why am I required to buy high-risk coverage?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Cheaper rates are available
As you quote Colorado Springs auto insurance, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.
Discount Ford F-350 insurance in Colorado Springs can be found from both online companies as well as from independent agents in Colorado Springs, and you need to comparison shop both to have the best selection. Some auto insurance companies do not provide online quoting and most of the time these small, regional companies sell through local independent agencies.
You just learned a lot of techniques to find affordable Ford F-350 insurance in Colorado Springs. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest Ford F-350 rate quotes. Drivers may even discover the best price on auto insurance is with a small mutual company.
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